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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, January 22, 2019 - 9:46pm
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
HSBC
5 months
  • AA-
5 Months

Interest info

For term deposits over two months in duration, you can select to have your interest paid to your nominated account on a monthly, quarterly, six-monthly basis or at maturity. Alternatively, you can elect to have your interest paid to your nominated account at the end of your deposit term.

$0 $9 999 1.90% Go to site
Asset Finance
5 Years
5 years

Interest info

Interest (less withholding tax) can be paid into your bank account either monthly or quarterly, or you can grow your investment by having interest reinvest/compound at the end of each quarter.

$500 6.25% Go to site
General Finance
5 years
5 years

Interest info

Interest paid or compounded quarterly. For deposits in excess of $10,000, interest can be paid monthly.

$2 000 5.75% Go to site
Bank of Baroda
5 Year
  • BBB-
5 years

Interest info

We will pay you interest on your Term Deposit on the date it matures and annually, six monthly, three monthly or monthly as agreed when you make the deposit.

$5 000 $49 999 4.30% Go to site
Bank of Baroda
5 Year
  • BBB-
5 years

Interest info

We will pay you interest on your Term Deposit on the date it matures and annually, six monthly, three monthly or monthly as agreed when you make the deposit.

$50 000 $100 000 4.30% Go to site
ASB Bank
5 Years
  • AA-
5 years

Interest info

For terms of less than six months and specials, interest is paid at maturity. For longer terms you can choose to have interest paid monthly or at maturity or compounded quarterly, six monthly or annually. Monthly interest cannot be compounded.

$10 000 4.10% Go to site
RaboDirect
5 years Standard interest
  • AA-
5 years

Interest info

Annually and at Maturity

$1 000 4.00% Go to site
RaboDirect
5 years Interim interest Six-monthly
  • AA-
5 years

Interest info

Six-monthly

$1 000 3.96% Go to site
Heartland Bank
5 years
  • BBB-
5 years

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.

$10 000 3.95% Go to site
Kookmin Bank
5 Y
  • A
5 years $100 000 3.95% Go to site
RaboDirect
5 years Interim interest Quarterly
  • AA-
5 years

Interest info

Quarterly

$1 000 3.94% Go to site
RaboDirect
5 years Interim interest Monthly
  • AA-
5 years

Interest info

Monthly

$1 000 3.93% Go to site
Heartland Bank
5 years
  • BBB-
5 years

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 $9 999 3.85% Go to site
Kiwibank
5 years
  • A+
5 years

Interest info

Interest Paid at Maturity

$10 000 $49 999 3.85% Go to site
Kiwibank
5 years
  • A+
5 years

Interest info

Interest Paid at Maturity

$50 000 3.85% Go to site

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