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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
General Finance
15 months
15 Months

Interest info

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

$2 000 5.05% 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 3.00% Go to site
Kiwibank
6 months
  • A+
6 Months

Interest info

Interest Paid at Maturity

$50 000 3.05% Go to site
Nelson Building Society
24 months
  • BB+
2 years $5 000 3.00% 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 6.10% Go to site
The Co-operative Bank
9 Months
  • BBB-
9 Months

Interest info

Interest is calculated daily and, unless stated otherwise, paid quarterly (at the end of March, June, September and December) and at maturity or monthly on deposits above $5,000.

$50 000 2.95% Go to site
HSBC
5 years
  • AA-
5 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 3.00% Go to site
Heartland Bank
9 mths
  • BBB-
9 Months

Interest info

3 monthly

$1 000 3.15% Go to site
Kiwibank
100 days
  • A+
3 Months

Interest info

Interest Paid at Maturity

$50 000 2.55% Go to site
Heartland Bank
5 years
  • BBB-
5 years

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 3.50% 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
3 years
  • A+
3 years

Interest info

Interest Paid at Maturity

$50 000 3.05% Go to site
Kiwibank
2 years
  • A+
2 years

Interest info

Interest Paid at Maturity

$50 000 3.00% Go to site
Rabobank New Zealand
6 months Standard interest
  • AA-
6 Months

Interest info

Maturity

$1 000 2.95% Go to site

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