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deposit rates

How to invest your money on term deposit

Deposit Rates is designed to help investors and advisers make better-informed decisions about where to invest their money.

There are literally hundreds of organisations offering some form of term deposit option for you. These range from the banks with online savings accounts and term deposits, through to finance companies, credit unions, fund managers and individual companies with listed debt securities.

There are two main ways of finding out what interest rate you can get for investing your money on term deposit.

One is to use our free deposit rates calculator to view rates on fixed term investments over various terms and amounts. Your search can be of a general nature, or restricted to a particular organisation type and limited to only those which hold ratings.

Secondly, you can go to the main interest rates table which will display all the lenders. You can sort by various options such as interest rate, provider, amount and rating.

View our Ratings Explained section to find out more information on how investment companies are rated or for details on specific investment products read our articles in the Investing Articles section.

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Today's Best Bank Rates
Heartland Bank 2.75
Based on a $50,000 deposit    More Rates »
Today's Top 5 Deposit Rates
InstitutionRateProduct
NZCU Auckland 3.25 Success Saver
Heartland Bank 2.75 Heartland Direct Call
Westpac 2.60 Online Bonus Saver - Potential Rate
Westpac 2.55 Online Bonus Saver - bonus rate
Heartland Bank 2.50 Heartland Business Call
Based on a $50,000 deposit    More Rates »
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Cash PIE Rates
Institution Rate 30% 33%
ANZ 0.10 0.10 0.11
ASB Bank 0.40 0.41 0.42
ASB Bank 0.55 0.59 0.56
ASB Bank 0.60 0.61 0.64
ASB Bank 0.65 0.66 0.69
ASB Bank 0.70 0.72 0.75
BNZ 0.10 0.10 0.10
Heartland Bank 2.25 2.59 2.70
Kiwibank 0.75 0.77 0.88
Kiwibank 1.75 1.81 1.89
Nelson Building Society 3.75 3.90 4.08
RaboDirect 0.75 0.77 0.80
SBS Bank 1.80 1.86 1.94
TSB Bank 1.60 1.64 1.71
Westpac 0.35 0.36 0.38
Westpac 0.10 0.10 0.11
Westpac 2.10 2.16 2.26

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Disclaimer - Every possible effort has been made to keep the information in the tables and on this site as accurate as possible, however, neither the publisher, Tarawera Publishing, nor anyone engaged to compile the rates and this site accept any liability for inaccuracies or any loss suffered as a result. It is strongly advised that readers check loan details with providers. The full terms and conditions of this site can be found here.

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