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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 Tuesday, August 6, 2019 - 9:22pm
Filter options Accepted range in days
1 Month 0 - 45
2 Months 32 - 76
3 Months 62 - 106
4 Months 93 - 137
5 Months 123 - 168
6 Months 154 - 230
9 Months 185 - 318
1 year 276 - 456
18 months 366 - 638
2 years 550 - 886
3 years 732 - 1278
4 years 1097 - 1644
5 years 1462 +
Filter options Accepted range in days
1 Month 0 - 45
2 Months 32 - 76
3 Months 62 - 106
4 Months 93 - 137
5 Months 123 - 168
6 Months 154 - 230
9 Months 185 - 318
1 year 276 - 456
18 months 366 - 638
2 years 550 - 886
3 years 732 - 1278
4 years 1097 - 1644
5 years 1462 +
Institute Product name Credit rating Term Min deposit Max depositsort ascending Rate More Info
Kookmin Bank
5 Y
  • A
5 years $100 000 3.40% Go to site
Heartland Bank
18 mths
  • BBB-
18 months

Interest info

Interest paid 3 monthly. For terms of 12 months or longer with a minimum deposit of $50,000, interest can be direct credited to a bank account monthly.

$1 000 3.20% Go to site
Heartland Bank
9 mths
  • BBB-
9 Months

Interest info

3 monthly

$1 000 3.15% Go to site
Heartland Bank
12mths
  • BBB-
1 year

Interest info

Interest paid 3 monthly. For terms of 12 months or longer with a minimum deposit of $50,000, interest can be direct credited to a bank account monthly.

$1 000 3.20% Go to site
Heretaunga Building Society
6 Months
6 Months

Interest info

Interest paid six monthly or on maturity

$1 3.45% Go to site
Kiwibank
60 days
  • A+
2 Months

Interest info

Interest Paid at Maturity

$50 000 1.25% Go to site
Rabobank New Zealand
18 months Interim interest Monthly
  • AA-
18 months

Interest info

Monthly

$1 000 2.86% Go to site
HSBC
2 years
  • AA-
2 years

Interest info

For term deposits over two months in duration, you can select to have your interest paid to your nominated account on a monthly, quarterly, six-monthly basis or at maturity. Alternatively, you can elect to have your interest paid to your nominated account at the end of your deposit term.

$100 000 2.80% Go to site
ASB Bank
4 Years
  • AA-
4 years

Interest info

Depending on the term, returns can be paid quarterly, six-monthly, annually or at the end of the term. Returns can be paid monthly for investments of $10,000 or more with a term of six months or longer.

$10 000 3.00% Go to site
Rabobank New Zealand
1 year Interim interest Monthly
  • AA-
1 year

Interest info

Monthly

$1 000 2.91% Go to site
General Finance
5 years
5 years

Interest info

Interest paid or compounded quarterly. For deposits in excess of $25,000, interest can be paid monthly.

$2 000 5.55% Go to site
ASB Bank
6 Months
  • AA-
6 Months

Interest info

Depending on the term, returns can be paid quarterly, six-monthly, annually or at the end of the term. Returns can be paid monthly for investments of $10,000 or more with a term of six months or longer.

$10 000 3.05% Go to site
General Finance
2 years
2 years

Interest info

Interest paid or compounded quarterly. For deposits in excess of $25,000, interest can be paid monthly.

$2 000 5.40% Go to site
Rabobank New Zealand
18 months Interim interest Six-monthly
  • AA-
18 months

Interest info

Six-monthly

$1 000 2.88% Go to site
Asset Finance
12 Months
1 year

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 3.20% Go to site

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