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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 Thursday, June 13, 2019 - 8:32pm
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
Kookmin Bank
1M
  • A
1 Month $100 000 0.70% Go to site
Kookmin Bank
1M
  • A
1 Month $5 000 $9 999 0.70% Go to site
NZCU Baywide
2 months
  • BB-
2 Months $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
2 mths
  • BBB-
2 Months

Interest info

on maturity

$0 1.75% Go to site
Kookmin Bank
2 Y
  • A
2 years $50 000 $99 999 3.20% Go to site
Kookmin Bank
2 Y
  • A
2 years $100 000 3.30% Go to site
Kookmin Bank
2 Y
  • A
2 years $5 000 $9 999 3.00% Go to site
Kookmin Bank
2 Y
  • A
2 years $10 000 $49 999 3.10% Go to site
HSBC
2 years
  • AA-
2 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 2.70% Go to site
TSB Bank
2 Years
  • BBB+
2 years

Interest info

six monthly

$5 000 $9 999 3.05% Go to site
Kiwibank
2 years
  • A+
2 years

Interest info

Interest Paid at Maturity

$10 000 $49 999 3.10% Go to site
HSBC
2 years
  • AA-
2 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 1.70% Go to site
Heartland Bank
2 years
  • BBB-
2 years

Interest info

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.

$0 3.40% Go to site
ANZ Bank
2 years
  • AA-
2 years

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 3.10% Go to site
Kiwibank
2 years
  • A+
2 years

Interest info

Interest Paid at Maturity

$5 000 $9 999 3.00% Go to site

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