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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, November 7, 2019 - 10:15pm
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
Bank of Baroda
90 days to 119 days
  • BBB-
3 Months

Interest info

Interest compounded quarterly on term deposits

$5 000 $100 000 2.40% Go to site
Heartland Bank
3 mths
  • BBB
3 Months

Interest info

on maturity

$1 000 2.30% Go to site
Kookmin Bank
3M
  • A+
3 Months $100 000 2.30% Go to site
NZCU Auckland
3 months
3 Months

Interest info

Interest can be paid or compounded on maturity or quarterly

$10 000 $500 000 2.25% Go to site
NZCU Auckland
3 months
3 Months

Interest info

Interest can be paid or compounded on maturity or quarterly

$500 $9 999 2.20% Go to site
Bank of Baroda
90 days to 119 days
  • BBB-
3 Months

Interest info

Interest compounded quarterly on term deposits

$1 000 $4 999 2.20% Go to site
Kookmin Bank
3M
  • A+
3 Months $50 000 $99 999 2.20% Go to site
Credit Union Central
3 MONTHS
3 Months $500 $1 500 000 2.15% Go to site
Kiwibank
100 days
  • A
3 Months

Interest info

Interest Paid at Maturity

$10 000 $49 999 2.15% Go to site
Kiwibank
100 days
  • A
3 Months

Interest info

Interest Paid at Maturity

$50 000 2.15% Go to site
Nelson Building Society
90 days
  • BB+
3 Months $5 000 2.15% 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 2.15% 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 2.15% Go to site
NZCU Baywide
3 months
  • BB
3 Months $1 000 $1 000 000 2.15%

Minimum deposit is $1,000 for adults and $500 for children under 18 years old

Go to site
NZCU South
3 months
  • BB
3 Months

Interest info

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

$1 000 $1 500 000 2.15% Go to site

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