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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
Rabobank New Zealand
3 years Interim interest Six-monthly
  • A
3 years

Interest info

Six-monthly

$1 000 2.48% Go to site
Kookmin Bank
3M
  • A+
3 Months $100 000 2.30% Go to site
Rabobank New Zealand
15 months Standard interest
  • A
1 year

Interest info

Maturity

$1 000 2.50% Go to site
Heartland Bank
4 years
  • BBB
4 years

Interest info

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 2.80% Go to site
Rabobank New Zealand
5 years Interim interest Quarterly
  • A
5 years

Interest info

Quarterly

$1 000 2.67% Go to site
Asset Finance
3 Years
3 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 5.55% Go to site
The Co-operative Bank
1 Month
  • BBB
1 Month

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 1.15% Go to site
The Co-operative Bank
48 Months
  • BBB
4 years

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 2.50% Go to site
SBS Bank
6 months
  • BBB
6 Months

Interest info

Maturity

$1 000 2.80% Go to site
TSB Bank
5 Years
  • A-
5 years

Interest info

six monthly

$10 000 2.60% Go to site
TSB Bank
4 Years
  • A-
4 years

Interest info

six monthly

$10 000 2.60% Go to site
Rabobank New Zealand
3 years Interim interest Quarterly
  • A
3 years

Interest info

Quarterly

$1 000 2.48% Go to site
Nelson Building Society
24 months
  • BB+
2 years $5 000 2.60% Go to site
Kiwibank
150 days
  • A
5 Months

Interest info

Interest Paid at Maturity

$50 000 2.40% Go to site
Rabobank New Zealand
1 year Interim interest Six-monthly
  • A
1 year

Interest info

Six-monthly

$1 000 2.53% Go to site

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