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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
Kookmin Bank
5 Y
  • A
5 years $5 000 $9 999 3.65% Go to site
Westpac
5 years
  • AA-
5 years

Interest info

Monthly or Compounding

$5 000 $5 000 000 3.65% Go to site
HSBC
5 years
  • AA-
5 years

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.

$100 000 3.40% Go to site
HSBC
5 years
  • AA-
5 years

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.

$10 000 $99 000 3.30% 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.

$1 000 $4 999 2.30% 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.

$5 000 $10 000 2.00% Go to site
Kiwibank
5 years
  • A+
5 years

Interest info

Interest Paid at Maturity

$1 000 $4 999 2.00% Go to site
HSBC
5 years
  • AA-
5 years

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
First Credit Union
I6 Investment (6 months)
  • BB-
6 Months $500 $9 999 3.60% Go to site
First Credit Union
I6 Investment (6 months)
  • BB-
6 Months $10 000 $49 999 3.60% Go to site
First Credit Union
I6 Investment (6 months)
  • BB-
6 Months $50 000 3.60% Go to site
General Finance
6 months
6 Months

Interest info

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

$2 000 3.50% Go to site
NZCU Auckland
6 months
6 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 3.50% Go to site
NZCU South
6 months
  • BB-
6 Months

Interest info

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

$5 000 $500 000 3.40% Go to site
Heartland Bank
6 mths
  • BBB-
6 Months

Interest info

3 monthly

$10 000 3.35% Go to site

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