Home >> Term Deposits

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
Bank of India
181 Days to 270 Days
  • BBB-
6 Months $5 000 $50 000 2.75% Go to site
NZCU Auckland
6 months
6 Months

Interest info

You can arrange to get paid interest at regular intervals (conditions apply) or on maturity to any account of your choice

$500 $9 999 2.75% Go to site
HSBC
6 months
  • AA-
6 Months

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.

$10 000 $99 000 2.70% Go to site
Kookmin Bank
6M
  • A
6 Months $5 000 $9 999 2.65% Go to site
Wairarapa Building Society
180 Days
  • BB+
6 Months $2 000 $4 999 2.30% Go to site
Bank of Baroda
180 days to 269 days
  • BBB-
6 Months

Interest info

Interest compounded quarterly on term deposits

$1 000 $4 999 2.20% Go to site
NZCU South
6 months
  • BB-
6 Months

Interest info

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

$500 $4 999 2.20% 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.

$5 000 $10 000 2.00% Go to site
Kiwibank
6 months
  • A+
6 Months

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
Kiwibank
200 days
  • A+
6 Months

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
HSBC
6 months
  • AA-
6 Months

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.

$0 $9 999 1.70% Go to site
Wairarapa Building Society
180 Days
  • BB+
6 Months $500 $1 999 1.50% Go to site
General Finance
9 months
9 Months

Interest info

Interest paid or compounded quarterly. For deposits in excess of $10,000, interest can be paid monthly.

$2 000 4.45% Go to site
Heartland Bank
9 mths
  • BBB-
9 Months

Interest info

3 monthly

$0 3.35% Go to site
NZCU Auckland
9 months
9 Months

Interest info

You can arrange to get paid interest at regular intervals (conditions apply) or on maturity to any account of your choice

$10 000 $500 000 3.35% Go to site

Pages

Traded Endowment Policies are a unique alternative to traditional bank term deposits, offering a range of capital read-more

You’ve worked hard, you’ve gotten your loans in order, and your finances are starting to look up. So what’s next? read-more

Picking the right mortgage product can save you thousands of dollars and reduce the time to pay. However, if you go read-more