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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, August 30, 2019 - 9:23pm
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
Heartland Bank
18 mths
  • BBB-
18 months

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 2.90% Go to site
Rabobank New Zealand
18 months Standard interest
  • AA-
18 months

Interest info

Maturity

$1 000 2.80% Go to site
ANZ Bank
18 months
  • AA-
18 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 2.80% Go to site
Bank of New Zealand
18 months
  • AA-
18 months

Interest info

Interest payment options available (quarterly, six monthly, annually and at maturity)

$2 000 $5 000 000 2.80% Go to site
Rabobank New Zealand
18 months Interim interest Six-monthly
  • AA-
18 months

Interest info

Six-monthly

$1 000 2.78% Go to site
Rabobank New Zealand
18 months Interim interest Quarterly
  • AA-
18 months

Interest info

Quarterly

$1 000 2.77% Go to site
Rabobank New Zealand
18 months Interim interest Monthly
  • AA-
18 months

Interest info

Monthly

$1 000 2.76% Go to site
The Co-operative Bank
18 Months
  • BBB-
18 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.

$10 000 $49 999 2.75% Go to site
The Co-operative Bank
18 Months
  • BBB-
18 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.

$50 000 2.75% Go to site
Westpac
18 months
  • AA-
18 months

Interest info

At Maturity

$5 000 $5 000 000 2.75% Go to site
Westpac
18 months
  • AA-
18 months

Interest info

Monthly or Compounding

$5 000 $5 000 000 2.75% Go to site
ASB Bank
18 Months
  • AA-
18 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 2.70% Go to site
TSB Bank
18 Months
  • BBB+
18 months

Interest info

six monthly

$10 000 2.70% Go to site
The Co-operative Bank
18 Months
  • BBB-
18 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.

$2 000 $9 999 2.65% Go to site
TSB Bank
18 Months
  • BBB+
18 months

Interest info

six monthly

$5 000 $9 999 2.65% Go to site

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