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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, November 7, 2019 - 10:15pm
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
Wairarapa Building Society
180 Days
  • BB+
6 Months $5 000 2.65% Go to site
Heartland Bank
4 mths
  • BBB
4 Months

Interest info

on maturity

$1 000 2.40% Go to site
Rabobank New Zealand
5 years Interim interest Six-monthly
  • A
5 years

Interest info

Six-monthly

$1 000 2.68% Go to site
TSB Bank
6 Months
  • A-
6 Months

Interest info

Maturity

$10 000 2.60% Go to site
SBS Bank
36 months
  • BBB
3 years

Interest info

Maturity

$1 000 3.00% Go to site
Rabobank New Zealand
18 months Interim interest Quarterly
  • A
18 months

Interest info

Quarterly

$1 000 2.48% Go to site
Asset Finance
4 Years
4 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 5.75% Go to site
Kookmin Bank
2 Y
  • A+
2 years $100 000 2.90% Go to site
Nelson Building Society
12 months
  • BB+
1 year $5 000 2.65% Go to site
Kookmin Bank
3 Y
  • A+
3 years $100 000 2.90% Go to site
HSBC
12 months
  • AA-
1 year

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 2.25% Go to site
Kiwibank
1 year
  • A
1 year

Interest info

Interest Paid at Maturity

$50 000 2.70% Go to site
ASB Bank
3 Years
  • AA-
3 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 2.50% Go to site
TSB Bank
90 Days
  • A-
3 Months

Interest info

Maturity

$10 000 2.00% Go to site
ASB Bank
30 Days
  • AA-
1 Month

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 0.75% Go to site

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