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deposit rates

Find the best interest rate for your term investment

With this interest rates table, you can use the arrows to sort by various options such as interest rate, provider, amount and rating.
Rates changes from the past seven days will be highlighted in green or red.

View Cash PIE and Term PIE rates here


NEW: Click on a provider's name or logo to see all their rates.

 

All Term Deposits Call Accounts Online Call Accounts Savings Debentures Bonds By Provider
Return to top Term Deposits    
Provider
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Product
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Westpac Term Investment $5,000 $5,000,000 - 0.50 1.00 2.65 3.00 3.25 3.50 3.40
Wairarapa Bldg Socy Term Investment $500 $1,999 - - - 2.00 - 2.00 2.00 2.00
Wairarapa Bldg Socy Term Investment $2,000 $4,999 - - - 2.75 - 2.75 2.75 2.75
Wairarapa Bldg Socy Term Investment $5,000 - - - - 2.75 - 3.30 3.35 3.50
UDC Investments Deposit Rate $5,000 $99,999 - 2.00 2.00 2.70 3.20 3.35 3.50 3.60
UDC Investments Deposit Rate $100,000 - - 2.05 2.05 2.75 3.20 3.40 3.50 3.60
TSB Bank Term Deposit $5,000 $9,999 - 1.00 1.25 2.65 2.80 3.05 3.10 3.15
TSB Bank Term Deposit $10,000 $250,000 - 1.25 1.50 2.65 2.90 3.15 3.20 3.25
SBS Bank Term Investment Specials $1,000 $250,000 - - - - - 3.25 3.40 3.40
RaboDirect RaboDirect Term Deposits $1,000 - - 2.00 - 2.80 - 3.30 3.30 3.35
Public Trust Term Deposit $5,000 $9,999 - - - 1.00 - 1.00 1.00 1.00
Public Trust Term Deposit $10,000 $49,999 - - - 1.00 - 1.00 1.00 1.00
Public Trust Term Deposit $50,000 $249,999 - - - 1.00 - 1.00 1.00 1.00
Public Trust Term Deposit $250,000 - - - - 1.00 - 1.00 1.00 1.00
NZCU South Term investment $500 $4,999 - 1.00 - 1.80 - 2.40 2.55 2.65
NZCU South Term investment $5,000 $500,000 - 2.00 - 2.80 - 3.40 3.55 3.65
NZCU Baywide Term investment $1,000 $1,000,000 - 1.50 1.50 2.80 3.10 3.35 3.40 3.50
NZCU Auckland Investment Account $500 $9,999 - - - 2.50 - 2.75 2.75 3.00
NZCU Auckland Investment Account $10,000 $500,000 - - - 2.75 - 3.50 3.60 3.60
Nelson Building Society Term Deposit $5,000 $250,000 - 2.00 - 2.75 - 3.30 3.60 3.50
Provider
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Product
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Napier Building Society Term Deposit $5,000 - - - - - - - - -
Liberty Financial Limited Term Deposit $5,000 $19,999 - - - 3.25 - 3.70 4.00 4.05
Liberty Financial Limited Term Deposit $20,000 $99,999 - - - 3.60 - 3.95 4.25 4.30
Liberty Financial Limited Term Deposit $100,000 - - - - 3.85 - 4.25 4.50 4.55
Kookmin - NZ Term Deposit $10,000 $49,999 - 1.00▼ 1.30 2.55▼ 2.85 3.10▲ 3.20▲ 3.30▲
Kookmin - NZ Term Deposit $50,000 $99,999 - 1.20▼ 1.40 2.75▼ 2.95 3.20▲ 3.30▲ 3.40▲
Kookmin - NZ Term Deposit $100,000 - - 1.40▼ 1.60 2.85▼ 3.05 3.30▲ 3.40▲ 3.50▲
Kookmin - NZ Term Deposit $5,000 $9,999 - 0.80▼ 1.10 2.30▼ 2.60 2.90▲ 3.05▲ 3.20▲
Kiwibank Term Deposits $1,000 $4,999 - - - 2.00 2.00 2.00 2.00 2.00
Kiwibank Term Deposits $5,000 $9,999 - 0.65 1.15 2.55 2.90 3.35 3.30 3.50
Kiwibank Term Deposits $10,000 $49,999 - 0.75 1.25 2.65 3.00 3.45 3.40 3.60
Kiwibank Term Deposits $50,000 $5,000,000 - 0.75 1.50 2.75 3.05 3.25 3.35 3.60
HSBC Premier Term Deposits - $9,999 - 0.90 0.90 1.90 1.90 1.90 1.90 1.90
HSBC Premier Term Deposit $10,000 $99,999 - 0.90 0.90 2.50 2.80 2.90 2.90 2.90
HSBC Premier Term Deposit $100,000 - - 1.00 1.00 2.60 2.90 3.00 3.00 3.00
Heretaunga Building Society Term Investment $1 - - - - 2.75 - 3.30 - 3.50
Heartland Bank Heartland Term Deposit $20,000 $5,000,000 - 2.00 2.00 3.00 3.20 3.35 3.50 3.50
Heartland Bank Heartland Term Deposit $1,000 $19,999 - 1.90 1.90 2.90 3.10 3.25 3.40 3.40
General Finance Deposit Rate $5,000 $100,000 - - - - - 2.50 - 4.00
First Credit Union Term Investment $500 $9,999 - - - - - - - -
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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First Credit Union Term Investment $10,000 $49,999 - - - - - - - -
First Credit Union Term Investment $50,000 - - - - - - - - -
FE Investments Term Deposit $5,000 - - - - - - - - 4.40
Co-operative Bank Term Deposit $2,000 $9,999 - 1.90 - 2.90 2.90 3.00 3.20 3.15
Co-operative Bank Term Deposit $10,000 $49,999 - 2.00 - 3.00 3.00 3.10 3.30 3.25
Co-operative Bank Term Deposit $50,000 - - 2.10 - 2.95 - 3.15 3.35 3.30
Co-operative Bank Special Term Deposit $5,000 - - - - - - 3.20 - 3.35
China Construction Bank Term Deposit $100,000 $5,000,000 - 2.20 2.50 2.85 3.10 3.15 3.20 3.30
BNZ Term Investment $2,000 $4,999 - 0.50 0.75 0.75 0.75 0.75 0.75 0.75
BNZ Term Investment $5,000 $5,000,000 - 0.50 1.25 2.65 2.95 3.25 3.25 3.40
ASB Bank Term Investment $5,000 $9,999 - 0.75 1.00 1.75 2.00 2.00 2.00 2.00
ASB Bank Term Investment $10,000 $49,999 - 1.00 1.00 2.70 3.00 3.25 3.40 3.45
ANZ Term Deposits $10,000 - - 0.50 1.50 2.65 3.00 3.25 3.40 3.40
Return to top Call Accounts    
Provider
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Product
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Westpac Online Saver $500,000 - 0.35 - - - - - - -
Westpac Online Saver - $100,000 0.35 - - - - - - -
Westpac Cash Management Account $20,000 $49,999 0.15 - - - - - - -
Westpac Cash Management Account $50,000 $99,999 0.15 - - - - - - -
Westpac Cash Management Account $100,000 - 0.15 - - - - - - -
Westpac Simple Saver $1 - 0.10 - - - - - - -
Westpac Online Saver $100,000 $499,999 0.35 - - - - - - -
Westpac Online Bonus Saver - bonus rate $1 - 2.00 - - - - - - -
Westpac Online Bonus Saver - base rate $1 - 0.10 - - - - - - -
Westpac Online Bonus Saver - Potential Rate $1 - 2.10 - - - - - - -
UDC Investments Telephone Call Account $20,000 $99,999 2.20 - - - - - - -
UDC Investments Telephone Call Account $100,000 - 2.35 - - - - - - -
UDC Investments Telephone Call Account $5,000 $19,999 1.85 - - - - - - -
TSB Bank Premier Cheque $5,000 $19,999 0.95 - - - - - - -
TSB Bank Premier Cheque $20,000 $34,999 1.15 - - - - - - -
TSB Bank Premier Cheque $35,000 $49,999 1.55 - - - - - - -
TSB Bank Premier Cheque $50,000 $99,999 2.05 - - - - - - -
TSB Bank Premier Cheque $100,000 - 2.25 - - - - - - -
TSB Bank Horizon Plan $1 - 1.55 - - - - - - -
TSB Bank WebSaver $1,000 - 1.55 - - - - - - -
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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SBS Bank Prospector - $49,999 0.25 - - - - - - -
SBS Bank i-save - - 1.00 - - - - - - -
SBS Bank Prospector $100,000 - 1.50 - - - - - - -
SBS Bank Prospector $50,000 $99,999 0.80 - - - - - - -
RaboDirect RaboSaver High Interest Savings Account - - 0.75 - - - - - - -
RaboDirect RaboDirect PremiumSaver - min rate $1 $100,000 0.55 - - - - - - -
RaboDirect RaboDirect PremiumSaver - max rate $1 $100,000 2.10 - - - - - - -
RaboDirect RaboDirect Premium Saver - max rate $100,000 $5,000,000 0.75 - - - - - - -
RaboDirect RaboDirect Premium Saver - min rate $100,000 $5,000,000 0.55 - - - - - - -
Public Trust On call account $250,000 - 0.50 - - - - - - -
Public Trust On call account $50,000 $249,999 0.50 - - - - - - -
Public Trust On call account $500 $9,999 0.50 - - - - - - -
Public Trust On call account $10,000 $49,999 0.50 - - - - - - -
NZCU Baywide Success Saver - $5,000 - - - - - - - -
NZCU Baywide Success Saver - $4,999 0.95▼ - - - - - - -
NZCU Baywide Success Saver $5,000 $19,999 1.10▼ - - - - - - -
NZCU Baywide Success Saver $20,000 $99,999 1.30▼ - - - - - - -
NZCU Baywide Success Saver $100,000 $1,000,000 1.50▼ - - - - - - -
NZCU Baywide Online Saver (S12) - $19,999 1.75▼ - - - - - - -
NZCU Auckland Success Saver $5,000 - 3.25 - - - - - - -
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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NZCU Auckland Success Saver $500 $4,999 2.25 - - - - - - -
Nelson Building Society Lifestyle On-Call Account $1 - 2.00 - - - - - - -
Napier Building Society On Call $1 - - - - - - - - -
Kiwibank Bill Blaster - $99 - - - - - - - -
Kiwibank Bill Blaster $100 - 0.10 - - - - - - -
Kiwibank Front Runner - $3,999 - - - - - - - -
Kiwibank Front Runner $4,000 $14,999 0.10 - - - - - - -
Kiwibank Front Runner $15,000 $49,999 0.10 - - - - - - -
Kiwibank Front Runner $50,000 $99,999 0.25 - - - - - - -
Kiwibank Front Runner $100,000 - 1.50 - - - - - - -
Kiwibank Back-up Saver - - 0.15 - - - - - - -
Kiwibank Fast Forward Saver - $999 1.10 - - - - - - -
Kiwibank Fast Forward Saver $1,000 $2,999 1.10 - - - - - - -
Kiwibank Fast Forward Saver $3,000 $3,999 1.10 - - - - - - -
Kiwibank Fast Forward Saver $4,000 - 1.15 - - - - - - -
Kiwibank First Saver - - 1.25 - - - - - - -
Kiwibank PIE Online Call bonus rate - no withdrawals $2,000 - 1.50 - - - - - - -
Kiwibank PIE Online Call base rate $2,000 - 0.50 - - - - - - -
HSBC Premier E -Saver Account $1 - 0.20 - - - - - - -
Heretaunga Building Society On Call - $49,999 2.00 - - - - - - -
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Heretaunga Building Society On Call $50,000 $99,999 2.00 - - - - - - -
Heretaunga Building Society On Call $100,000 - 2.50 - - - - - - -
Heartland Bank Heartland Direct Call $1 - 2.50 - - - - - - -
Heartland Bank Heartland Business Call $1 - 2.50 - - - - - - -
Heartland Bank Heartland Saver Account $1 - 1.75 - - - - - - -
Heartland Bank Heartland Savings Optimiser $1 - 1.85 - - - - - - -
Gold Band Finance On Call $500 $4,999 - - - - - - - -
Gold Band Finance On Call $5,000 - - - - - - - - -
First Credit Union Online Savings $1 - 3.00 - - - - - - -
Co-operative Bank Smile On $4,000 $14,999 0.10 - - - - - - -
Co-operative Bank Smile On $15,000 $49,999 0.10 - - - - - - -
Co-operative Bank Smile On $50,000 $99,999 0.50 - - - - - - -
Co-operative Bank Smile On $100,000 - 1.00 - - - - - - -
Co-operative Bank Online Account $1 - 1.00 - - - - - - -
Co-operative Bank Step Saver - standard rate $1 - 0.25 - - - - - - -
Co-operative Bank Step Saver - bonus rate $1 - 1.90 - - - - - - -
Co-operative Bank Step Saver - potential rate $1 - 2.15 - - - - - - -
BNZ Personal Call Account $5,000 $19,999 - - - - - - - -
BNZ Personal Call Account $20,000 $99,999 - - - - - - - -
BNZ Personal Call Account $100,000 $249,999 - - - - - - - -
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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BNZ Personal Call Account $250,000 $499,999 - - - - - - - -
BNZ Personal Call Account $500,000 - 0.10 - - - - - - -
BNZ TotalMoney - $99,999 - - - - - - - -
BNZ TotalMoney $100,000 - 0.10 - - - - - - -
BNZ Rapid Save - base rate $1 - 0.05 - - - - - - -
BNZ Rapid Save - potential rate $1 - 2.10 - - - - - - -
BNZ Rapid Save - bonus rate $1 - 2.05 - - - - - - -
BNZ Personal OnCall - - 0.10 - - - - - - -
ASB Bank Unlimited $100,000 - 0.25 - - - - - - -
ASB Bank Unlimited - $99,999 - - - - - - - -
ASB Bank FastSaver $1 - 0.10 - - - - - - -
ANZ Select $50,000 $99,999 0.10 - - - - - - -
ANZ Select - $4,999 - - - - - - - -
ANZ Select $5,000 $49,999 0.10 - - - - - - -
ANZ Select $100,000 - 0.10 - - - - - - -
ANZ Serious Saver Account - bonus rate $1 - 2.00 - - - - - - -
ANZ Online Call - - 0.10 - - - - - - -
ANZ Serious Saver Account - base rate - - 0.10 - - - - - - -
Return to top Online Call Accounts    
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Westpac Online Saver $500,000 - 0.35 - - - - - - -
Westpac Online Saver - $100,000 0.35 - - - - - - -
Westpac Online Saver $100,000 $499,999 0.35 - - - - - - -
Westpac Online Bonus Saver - bonus rate $1 - 2.00 - - - - - - -
Westpac Online Bonus Saver - base rate $1 - 0.10 - - - - - - -
Westpac Online Bonus Saver - Potential Rate $1 - 2.10 - - - - - - -
TSB Bank WebSaver $1,000 - 1.55 - - - - - - -
SBS Bank i-save - - 1.00 - - - - - - -
NZCU Baywide Online Saver (S12) - $19,999 1.75▼ - - - - - - -
Kiwibank PIE Online Call bonus rate - no withdrawals $2,000 - 1.50 - - - - - - -
Kiwibank PIE Online Call base rate $2,000 - 0.50 - - - - - - -
Heartland Bank Heartland Direct Call $1 - 2.50 - - - - - - -
Heartland Bank Heartland Business Call $1 - 2.50 - - - - - - -
First Credit Union Online Savings $1 - 3.00 - - - - - - -
Co-operative Bank Online Account $1 - 1.00 - - - - - - -
BNZ Personal OnCall - - 0.10 - - - - - - -
ASB Bank FastSaver $1 - 0.10 - - - - - - -
ANZ Online Call - - 0.10 - - - - - - -
Return to top Savings    
Provider
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Westpac Simple Saver $1 - 0.10 - - - - - - -
TSB Bank Horizon Plan $1 - 1.55 - - - - - - -
RaboDirect RaboDirect PremiumSaver - min rate $1 $100,000 0.55 - - - - - - -
RaboDirect RaboDirect PremiumSaver - max rate $1 $100,000 2.10 - - - - - - -
RaboDirect RaboDirect Premium Saver - max rate $100,000 $5,000,000 0.75 - - - - - - -
RaboDirect RaboDirect Premium Saver - min rate $100,000 $5,000,000 0.55 - - - - - - -
HSBC Premier E -Saver Account $1 - 0.20 - - - - - - -
Heartland Bank Heartland Saver Account $1 - 1.75 - - - - - - -
Heartland Bank Heartland Savings Optimiser $1 - 1.85 - - - - - - -
Co-operative Bank Step Saver - standard rate $1 - 0.25 - - - - - - -
Co-operative Bank Step Saver - bonus rate $1 - 1.90 - - - - - - -
Co-operative Bank Step Saver - potential rate $1 - 2.15 - - - - - - -
BNZ TotalMoney - $99,999 - - - - - - - -
BNZ TotalMoney $100,000 - 0.10 - - - - - - -
BNZ Rapid Save - base rate $1 - 0.05 - - - - - - -
BNZ Rapid Save - potential rate $1 - 2.10 - - - - - - -
BNZ Rapid Save - bonus rate $1 - 2.05 - - - - - - -
ANZ Serious Saver Account - bonus rate $1 - 2.00 - - - - - - -
ANZ Serious Saver Account - base rate - - 0.10 - - - - - - -
Return to top Debentures    
Provider
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Product
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Minimum Deposit
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Maximum Deposit
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Call
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30 days
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60 days
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90 days
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5 months
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6 months
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9 months
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12 months
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UDC Investments UDC Secured Term Investment $100,000 - - 2.05 2.05 2.75 3.30 3.50 3.75 3.80
UDC Investments UDC Secured Term Investment $5,000 $99,999 - 2.00 2.00 2.70 3.30 3.45 3.75 3.80
Gold Band Finance Secured First Ranking Debenture Stock $5,000 - - - - - - 2.00 2.00 3.80
Gold Band Finance Secured First Ranking Debenture Stock - $4,999 - - - - - - - -
General Finance Secured First Ranking Debenture $5,000 $100,000 - - - - - 2.50 - 4.00
Finance Direct Ltd Secured First Ranking Debenture $1,000 - - - - - - - - -
FE Investments Secured First Ranking Debenture $1,000 $4,999 - - - - - - - -
FE Investments Secured First Ranking Debenture $5,000 $49,999 - - - - - 4.00 - 6.00
Asset Finance Secured First Ranking Debenture $500 - - - - - - - - -
Return to top Bonds    
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Maximum Deposit
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Call
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30 days
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90 days
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5 months
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6 months
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9 months
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12 months
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Co-operative Bank Bonds $2,000 - - - - - - - - -

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