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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 Friday, July 12, 2019 - 10:59pm
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 deposit Rate More Info
Kookmin Bank
6M
  • A
6 Months $100 000 3.20% Go to site
NZCU Baywide
6 months
  • BB-
6 Months $1 000 $1 000 000 3.20%

Minimum deposit is $1,000 for adults and $500 for children under 18 years old

Go to site
NZCU South
6 months
  • BB-
6 Months

Interest info

Interest is paid on maturity for terms less than 12 months.

$5 000 $500 000 3.20% Go to site
SBS Bank
6 months
  • BBB
6 Months

Interest info

Maturity

$1 000 3.20% Go to site
ANZ Bank
240 days
  • AA-
6 Months

Interest info

Compounded quarterly, six monthly, annually or at maturity. Paid into any New Zealand bank account monthly, quarterly, six monthly, annually or at maturity.

$10 000 $5 000 000 3.15% Go to site
Kiwibank
6 months
  • A+
6 Months

Interest info

Interest Paid at Maturity

$5 000 $9 999 3.15% Go to site
Kiwibank
200 days
  • A+
6 Months

Interest info

Interest Paid at Maturity

$10 000 $49 999 3.15% Go to site
Kiwibank
200 days
  • A+
6 Months

Interest info

Interest Paid at Maturity

$50 000 3.15% Go to site
Kookmin Bank
6M
  • A
6 Months $50 000 $99 999 3.10% Go to site
Nelson Building Society
6 months
  • BB+
6 Months $5 000 3.10% Go to site
The Co-operative Bank
6 Months Special
  • BBB-
6 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.

$5 000 3.10% Go to site
ANZ Bank
180 days
  • AA-
6 Months

Interest info

Compounded quarterly, six monthly, annually or at maturity. Paid into any New Zealand bank account monthly, quarterly, six monthly, annually or at maturity.

$10 000 $5 000 000 3.05% Go to site
ANZ Bank
210 days
  • AA-
6 Months

Interest info

Compounded quarterly, six monthly, annually or at maturity. Paid into any New Zealand bank account monthly, quarterly, six monthly, annually or at maturity.

$10 000 $5 000 000 3.05% 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
Bank of New Zealand
180 - 189 days
  • AA-
6 Months

Interest info

Interest can only be paid at maturity

$2 000 $5 000 000 3.05% Go to site

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