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