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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, June 13, 2019 - 8:32pm
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 Termsort descending Min deposit Max deposit Rate More Info
Asset Finance
5 Years
5 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 6.25% Go to site
Westpac
5 years
  • AA-
5 years

Interest info

Monthly or Compounding

$5 000 $5 000 000 3.25% Go to site
TSB Bank
5 Years
  • BBB+
5 years

Interest info

six monthly

$10 000 3.25% Go to site
Heartland Bank
5 years
  • BBB-
5 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.

$0 3.55% Go to site
Kiwibank
5 years
  • A+
5 years

Interest info

Interest Paid at Maturity

$10 000 $49 999 3.25% Go to site
ANZ Bank
5 years
  • AA-
5 years

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 3.25% Go to site
Kiwibank
5 years
  • A+
5 years

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
Bank of Baroda
5 Years
  • BBB-
5 years

Interest info

Interest compounded quarterly on term deposits

$5 000 $100 000 3.50% 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.

$10 000 $99 000 2.90% Go to site
Rabobank New Zealand
5 years Interim interest Monthly
  • AA-
5 years

Interest info

Monthly

$1 000 3.54% Go to site
ASB Bank
5 Years
  • AA-
5 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
Rabobank New Zealand
5 years Interim interest Six-monthly
  • AA-
5 years

Interest info

Six-monthly

$1 000 3.57% Go to site
Kookmin Bank
5 Y
  • A
5 years $5 000 $9 999 3.15% Go to site
General Finance
5 years
5 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
Kookmin Bank
5 Y
  • A
5 years $10 000 $49 999 3.20% Go to site

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