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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 depositsort ascending Rate More Info
Rabobank New Zealand
3 years Interim interest Monthly
  • AA-
3 years

Interest info

Monthly

$1 000 3.20% Go to site
HSBC
5 months
  • AA-
5 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.

$100 000 2.70% Go to site
Nelson Building Society
24 months
  • BB+
2 years $5 000 3.10% Go to site
General Finance
4 years
4 years

Interest info

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

$2 000 5.55% 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
Kiwibank
3 years
  • A+
3 years

Interest info

Interest Paid at Maturity

$50 000 3.15% Go to site
HSBC
3 years
  • AA-
3 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 2.80% Go to site
Rabobank New Zealand
5 years Interim interest Quarterly
  • AA-
5 years

Interest info

Quarterly

$1 000 3.41% Go to site
Rabobank New Zealand
9 months Standard interest
  • AA-
9 Months

Interest info

Maturity

$1 000 3.10% Go to site
The Co-operative Bank
12 Months
  • BBB-
1 year

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 3.00% Go to site
General Finance
6 months
6 Months

Interest info

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

$2 000 3.35% Go to site
Kiwibank
90 days
  • A+
3 Months

Interest info

Interest Paid at Maturity

$50 000 2.50% Go to site
Wairarapa Building Society
180 Days
  • BB+
6 Months $5 000 2.85% Go to site
Rabobank New Zealand
3 years Interim interest Quarterly
  • AA-
3 years

Interest info

Quarterly

$1 000 3.21% Go to site
Kookmin Bank
7D ~ less 1M
  • A
1 Month $100 000 0.50% Go to site

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