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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, January 20, 2020 - 6:51pm
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 depositsort descending Max deposit Rate More Info
NZCU South
18 months
  • BB
18 months

Interest info

Interest may be paid quarterly or compounded for terms 12 months and over.

$1 000 $1 500 000 2.70% Go to site
Kiwibank
6 months
  • A
6 Months

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
Rabobank New Zealand
4 years Interim interest Monthly
  • A
4 years

Interest info

Monthly

$1 000 2.47% Go to site
NZCU Baywide
12 months
  • BB
1 year

Interest info

Investors are advised of their options prior to maturity

$1 000 $1 000 000 2.70%

Minimum deposit is $1,000 for adults and $500 for children under 18 years old

Go to site
SBS Bank
24 months
  • BBB
2 years

Interest info

Maturity

$1 000 2.60% Go to site
Rabobank New Zealand
5 years Standard interest
  • A
5 years

Interest info

Annually and at Maturity

$1 000 2.70% 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
Rabobank New Zealand
4 years Standard interest
  • A
4 years

Interest info

Annually and at Maturity

$1 000 2.50% Go to site
SBS Bank
36 months
  • BBB
3 years

Interest info

Maturity

$1 000 2.60% Go to site
NZCU South
48 months
  • BB
4 years

Interest info

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

$1 000 $1 500 000 2.85% Go to site
Kiwibank
2 years
  • A
2 years

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
Rabobank New Zealand
4 years Interim interest Quarterly
  • A
4 years

Interest info

Quarterly

$1 000 2.48% Go to site
Heartland Bank
1 mth
  • BBB
1 Month

Interest info

on maturity

$1 000 1.25% Go to site
Rabobank New Zealand
15 months Interim interest Quarterly
  • A
1 year

Interest info

Quarterly

$1 000 2.48% Go to site
NZCU South
3 months
  • BB
3 Months

Interest info

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

$1 000 $1 500 000 2.15% Go to site

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