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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 Monday, December 10, 2018 - 10:49pm
Filter optionsAccepted range in days
1 Month0 - 45
2 Months32 - 76
3 Months62 - 106
4 Months93 - 137
5 Months123 - 168
6 Months154 - 230
9 Months185 - 318
1 year276 - 456
18 months366 - 638
2 years550 - 886
3 years732 - 1278
4 years1097 - 1644
5 years1462 +
Filter optionsAccepted range in days
1 Month0 - 45
2 Months32 - 76
3 Months62 - 106
4 Months93 - 137
5 Months123 - 168
6 Months154 - 230
9 Months185 - 318
1 year276 - 456
18 months366 - 638
2 years550 - 886
3 years732 - 1278
4 years1097 - 1644
5 years1462 +
Institute Product name Credit rating Term Min deposit Max deposit Rate More Info
Kiwibank
2 years
  • A+
    2 years

    Interest info

    Interest Paid at Maturity

    $10 000 $49 999 3.55% Go to site
    Kiwibank
    2 years
    • A+
      2 years

      Interest info

      Interest Paid at Maturity

      $50 000 3.55% Go to site
      RaboDirect
      2 years Standard interest
      • AA-
        2 years

        Interest info

        Annually and at Maturity

        $1 000 3.55% Go to site
        RaboDirect
        2 years Interim interest Six-monthly
        • AA-
          2 years

          Interest info

          Six-monthly

          $1 000 3.52% Go to site
          ANZ Bank
          2 years
          • AA-
            2 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 3.50% Go to site
            Kookmin Bank
            2 Y
            • A
              2 years $10 000 $49 999 3.50% Go to site
              RaboDirect
              2 years Interim interest Quarterly
              • AA-
                2 years

                Interest info

                Quarterly

                $1 000 3.50% Go to site
                The Co-operative Bank
                24 Months
                • BBB
                  2 years

                  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 3.50% Go to site
                  The Co-operative Bank
                  24 Months
                  • BBB
                    2 years

                    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 3.50% Go to site
                    TSB Bank
                    2 Years
                    • BBB+
                      2 years

                      Interest info

                      six monthly

                      $10 000 3.50% Go to site
                      Westpac
                      2 years
                      • AA-
                        2 years

                        Interest info

                        Monthly or Compounding

                        $5 000 $5 000 000 3.50% Go to site
                        RaboDirect
                        2 years Interim interest Monthly
                        • AA-
                          2 years

                          Interest info

                          Monthly

                          $1 000 3.49% Go to site
                          Bank of New Zealand
                          2 years**
                          • AA-
                            2 years

                            Interest info

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

                            $5 000 $5 000 000 3.45% Go to site
                            Bank of New Zealand
                            2 years
                            • AA-
                              2 years

                              Interest info

                              Interest is paid monthly.

                              $20 000 $5 000 000 3.45% Go to site
                              Kiwibank
                              2 years
                              • A+
                                2 years

                                Interest info

                                Interest Paid at Maturity

                                $5 000 $9 999 3.45% Go to site

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