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