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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
First Credit Union
I3 Investment (3 months)
  • BB-
    3 Months $500 $9 999 3.00% Go to site
    First Credit Union
    I3 Investment (3 months)
    • BB-
      3 Months $10 000 $49 999 3.00% Go to site
      First Credit Union
      I3 Investment (3 months)
      • BB-
        3 Months $50 000 3.00% Go to site
        Heartland Bank
        3 mths
        • BBB-
          3 Months

          Interest info

          on maturity

          $20 000 3.00% Go to site
          The Co-operative Bank
          3 Months
          • BBB
            3 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.

            $10 000 $49 999 3.00% Go to site
            The Co-operative Bank
            3 Months
            • BBB
              3 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
              Heartland Bank
              3 mths
              • BBB-
                3 Months

                Interest info

                on maturity

                $0 $19 999 2.90% Go to site
                The Co-operative Bank
                3 Months
                • BBB
                  3 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.

                  $2 000 $9 999 2.90% Go to site
                  Kookmin Bank
                  3M
                  • A
                    3 Months $100 000 2.85% Go to site
                    Kiwibank
                    100 days
                    • A+
                      3 Months

                      Interest info

                      Interest Paid at Maturity

                      $10 000 $49 999 2.80% Go to site
                      Kiwibank
                      100 days
                      • A+
                        3 Months

                        Interest info

                        Interest Paid at Maturity

                        $50 000 2.80% Go to site
                        NZCU South
                        3 months
                        • BB-
                          3 Months

                          Interest info

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

                          $5 000 $500 000 2.80% Go to site
                          RaboDirect
                          3 months Standard interest
                          • AA-
                            3 Months

                            Interest info

                            Maturity

                            $1 000 2.80% Go to site
                            ASB Bank
                            90 Days
                            • AA-
                              3 Months

                              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 2.75% Go to site
                              Heretaunga Building Society
                              3 Months
                                3 Months

                                Interest info

                                Interest paid six monthly or on maturity

                                $1 2.75% Go to site

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