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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 Tuesday, August 6, 2019 - 9:22pm
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
Rabobank New Zealand
18 months Interim interest Quarterly
  • AA-
18 months

Interest info

Quarterly

$1 000 2.87% Go to site
Kiwibank
150 days
  • A+
5 Months

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
Rabobank New Zealand
6 months Standard interest
  • AA-
6 Months

Interest info

Maturity

$1 000 2.95% Go to site
Rabobank New Zealand
2 years Standard interest
  • AA-
2 years

Interest info

Annually and at Maturity

$1 000 3.00% Go to site
Bank of Baroda
270 to less than 12 months
  • BBB-
9 Months

Interest info

Interest compounded quarterly on term deposits

$1 000 $4 999 3.10% Go to site
Rabobank New Zealand
2 years Interim interest Quarterly
  • AA-
2 years

Interest info

Quarterly

$1 000 2.97% Go to site
Bank of Baroda
150 days to 179 days
  • BBB-
5 Months

Interest info

Interest compounded quarterly on term deposits

$1 000 $4 999 2.20% Go to site
Rabobank New Zealand
5 years Interim interest Monthly
  • AA-
5 years

Interest info

Monthly

$1 000 3.06% Go to site
NZCU Baywide
5 months
  • BB-
5 Months $1 000 $1 000 000 2.90%

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

Go to site
Heartland Bank
9 mths
  • BBB-
9 Months

Interest info

3 monthly

$1 000 3.15% Go to site
Heartland Bank
12mths
  • BBB-
1 year

Interest info

Interest paid 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 3.20% Go to site
Kiwibank
200 days
  • A+
6 Months

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
NZCU Baywide
1 month
  • BB-
1 Month $1 000 $1 000 000 1.25%

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

Go to site
Heartland Bank
3 mths
  • BBB-
3 Months

Interest info

on maturity

$1 000 2.80% Go to site
Bank of Baroda
3 yr to less than 4 year
  • BBB-
3 years

Interest info

Interest compounded quarterly on term deposits

$1 000 $4 999 3.25% Go to site

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