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Term Deposits

Which option is best for your spare cash? We compare term deposits from over 40 different providers below.

Last Updated Thursday, September 27, 2018 - 11:16pm
Filter optionsAccepted range in days
1 Month0 - 45
2 Months32 - 76
3 Months62 - 106
4 Months93 - 137
5 Months123 - 168
6 Months154 - 230
9 Months185 - 318
1 year276 - 456
18 months366 - 638
2 years550 - 886
3 years732 - 1278
4 years1097 - 1644
5 years1462 +
Filter optionsAccepted range in days
1 Month0 - 45
2 Months32 - 76
3 Months62 - 106
4 Months93 - 137
5 Months123 - 168
6 Months154 - 230
9 Months185 - 318
1 year276 - 456
18 months366 - 638
2 years550 - 886
3 years732 - 1278
4 years1097 - 1644
5 years1462 +
Institute Product name Credit rating Term Min deposit Max deposit Rate More Info
Policy Exchange
Traded Endowment Policies: Capital Secure
  • A-
    5 years

    Interest info

    Returns paid at maturity. Durations 5 – 15 years. CREDIT RATING: The ratings for TEPs reflect ‘Insurer Financial Strength Rating’ of the issuing life company.

    $250 000 $1 000 000 6.88%

    TEPs offer projected tax free returns. Returns quoted here are pre-tax equivalents assuming 33c taxpayer

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    Asset Finance
    5 Years
      5 years

      Interest info

      Interest (less withholding tax) can be paid into your bank account either monthly or quarterly, or you can grow your investment by having interest reinvest/compound at the end of each quarter.

      $500 6.00% Go to site
      Policy Exchange
      Traded Endowment Policies
      • A-
        5 years

        Interest info

        Returns paid at maturity. Durations 5 – 15 years. CREDIT RATING: The ratings for TEPs reflect ‘Insurer Financial Strength Rating’ of the issuing life company.

        $10 000 $249 999 5.75%

        TEPs offer projected tax free returns. Returns quoted here are pre-tax equivalents assuming 33c taxpayer

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        Bank of Baroda
        5 Year
        • BBB-
          5 years

          Interest info

          We will pay you interest on your Term Deposit on the date it matures and annually, six monthly, three monthly or monthly as agreed when you make the deposit.

          $5 000 $49 999 4.30% Go to site
          Bank of Baroda
          5 Year
          • BBB-
            5 years

            Interest info

            We will pay you interest on your Term Deposit on the date it matures and annually, six monthly, three monthly or monthly as agreed when you make the deposit.

            $50 000 $100 000 4.30% Go to site
            RaboDirect
            5 years Standard interest
            • AA-
              5 years

              Interest info

              Annually and at Maturity

              $1 000 4.20% Go to site
              RaboDirect
              5 years Interim interest Six-monthly
              • AA-
                5 years

                Interest info

                Six-monthly

                $1 000 4.16% Go to site
                RaboDirect
                5 years Interim interest Quarterly
                • AA-
                  5 years

                  Interest info

                  Quarterly

                  $1 000 4.14% Go to site
                  RaboDirect
                  5 years Interim interest Monthly
                  • AA-
                    5 years

                    Interest info

                    Monthly

                    $1 000 4.12% Go to site
                    ASB Bank
                    5 Years
                    • AA-
                      5 years

                      Interest info

                      For terms of less than six months and specials, interest is paid at maturity. For longer terms you can choose to have interest paid monthly or at maturity or compounded quarterly, six monthly or annually. Monthly interest cannot be compounded.

                      $10 000 4.10% Go to site
                      UDC Finance
                      5 years Interest Paid at Maturity
                      • AA-
                        5 years

                        Interest info

                        Interest Paid at Maturity

                        $100 000 4.10% Go to site
                        UDC Finance
                        5 years Interest Paid Annually
                        • AA-
                          5 years

                          Interest info

                          Interest Paid Annually

                          $100 000 4.10% Go to site
                          UDC Finance
                          5 years Interest Paid Quarterly
                          • AA-
                            5 years

                            Interest info

                            Interest Paid Quarterly

                            $100 000 4.10% Go to site
                            UDC Finance
                            5 years Interest Paid at Maturity
                            • AA-
                              5 years

                              Interest info

                              Interest Paid at Maturity

                              $5 000 $99 999 4.05% Go to site
                              UDC Finance
                              5 years Interest Paid Annually
                              • AA-
                                5 years

                                Interest info

                                Interest Paid Annually

                                $5 000 $99 999 4.05% Go to site

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