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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
ASB Bank
9 Months
  • AA-
9 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 3.00% Go to site
Rabobank New Zealand
1 year Interim interest Six-monthly
  • AA-
1 year

Interest info

Six-monthly

$1 000 2.93% Go to site
Rabobank New Zealand
3 years Interim interest Quarterly
  • AA-
3 years

Interest info

Quarterly

$1 000 2.97% Go to site
Heretaunga Building Society
3 Months
3 Months

Interest info

Interest paid six monthly or on maturity

$1 2.70% Go to site
Kookmin Bank
9M
  • A
9 Months $100 000 3.25% Go to site
Rabobank New Zealand
4 years Interim interest Six-monthly
  • AA-
4 years

Interest info

Six-monthly

$1 000 2.98% Go to site
Asset Finance
9 Months
9 Months

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 2.10% Go to site
Heartland Bank
1 mth
  • BBB-
1 Month

Interest info

on maturity

$1 000 1.50% Go to site
Kiwibank
4 years
  • A+
4 years

Interest info

Interest Paid at Maturity

$50 000 3.10% Go to site
TSB Bank
60 Days
  • BBB+
2 Months

Interest info

Maturity

$10 000 1.35% 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 2.80% Go to site
ASB Bank
90 Days
  • AA-
3 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 2.40% Go to site
Rabobank New Zealand
5 years Interim interest Six-monthly
  • AA-
5 years

Interest info

Six-monthly

$1 000 3.08% Go to site
Rabobank New Zealand
2 years Standard interest
  • AA-
2 years

Interest info

Annually and at Maturity

$1 000 3.00% Go to site
Asset Finance
18 Months
18 months

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 3.90% Go to site

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