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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 namesort descending Credit rating Term Min deposit Max deposit Rate More Info
ANZ Bank
150 days
  • AA-
5 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
Kiwibank
150 days
  • A+
5 Months

Interest info

Interest Paid at Maturity

$10 000 $49 999 2.80% Go to site
Bank of Baroda
150 days to 179 days
  • BBB-
5 Months

Interest info

Interest compounded quarterly on term deposits

$5 000 $100 000 2.80% 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
Bank of New Zealand
160 - 179 days
  • AA-
6 Months

Interest info

Interest can only be paid at maturity

$2 000 $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 3.00% Go to site
TSB Bank
18 Months
  • BBB+
18 months

Interest info

six monthly

$5 000 $9 999 2.95% Go to site
NZCU Auckland
18 months
18 months

Interest info

You can arrange to get paid interest at regular intervals (conditions apply) or on maturity to any account of your choice

$10 000 $500 000 3.35% 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.

$5 000 $10 000 2.00% 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 3.00% Go to site
Westpac
18 months
  • AA-
18 months

Interest info

At Maturity

$5 000 $5 000 000 3.00% Go to site
General Finance
18 Months
18 months

Interest info

Interest paid or compounded quarterly. For deposits in excess of $25,000, interest can be paid monthly.

$2 000 5.20% 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 3.00% Go to site
NZCU South
18 months
  • BB-
18 months

Interest info

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

$5 000 $500 000 3.30% Go to site
NZCU Auckland
18 months
18 months

Interest info

You can arrange to get paid interest at regular intervals (conditions apply) or on maturity to any account of your choice

$500 $9 999 3.00% Go to site

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