Term deposits 1 to 5 years

Banks

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	18 mths	2 years	3 years	4 years	5 years
	AA-	$10,000	Q	Y	6.10	6.00	6.00	5.50	5.45	5.45
	AA-	$5,000	Q	Y	6.10	6.00	6.00	6.10	5.65	5.55
	AA-	$10,000	Q	Y	6.10	6.00	6.00	6.10	5.65	5.55
Bank of Baroda	BBB-	$1,000	M	M	6.00	6.00	5.00	5.00	5.00	5.00
	BBB-	$10,000	M	M	6.00	6.00	5.00	5.00	5.00	5.00
Bank of China	A	$100,000	Z	Z	6.30	6.10	6.10	6.00	5.85	5.75
Bank of India	BB+	$5,000	Q	Q	5.30	5.35	5.30	5.30	5.25	5.25
	AA-	$2,000	M	M	6.10	6.00	6.00	5.50	5.45	5.45
	AA-	$2,000	Z	Z	6.10	6.00	6.00	5.50	5.45	5.45
China Construction Bank	A	$100,000	Z	Z	6.30	6.10	6.10	6.10	5.85	5.75
Co-operative Bank	BBB	$2,000	Q	Q	6.05	6.10	6.00	5.80	5.65
	BBB	$5,000	Q	Q	6.20	6.10	6.00	5.80	5.65
	BBB	$5,000	Z	Z	6.20
Heartland Bank	BBB	$1,000	Q	Q	6.30	6.10	6.10	5.85	5.75	5.65
	BBB	$1,000	Z	Z	15 months = 5.90 effective on 31 Jan, 2023
	A	$5,000	Z	Z	6.05	5.95	5.90	5.45	5.45	5.40
	A	$10,000	Z	Z	6.15	6.05	6.00	5.55	5.55	5.50
Kiwibank	A1	$1,000	Z	Z	0.50		0.50	0.50	0.50	0.50
	A1	$5,000	Z	Z	6.05		5.70	5.40	5.40	5.40
	A1	$5,000	M	M	6.05		5.70	5.40	5.40	5.40
	A1	$10,000	Z	Z	6.15		5.80	5.50	5.50	5.50
	A1	$10,000	Z	M	6.15		5.80	5.50	5.50	5.50
Kookmin	A	$5,000	Z	Z	5.90		5.10	5.10	5.10	5.10
	A	$10,000	Z	Z	6.00		5.20	5.20	5.20	5.20
	A	$50,000	Z	Z	6.00		5.20	5.20	5.20	5.20
	A	$100,000	Z	Z	6.10		5.30	5.30	5.30	5.30
	A	$1,000	A	A	6.30	6.10	6.10	5.90	5.85	5.75
	A	$1,000	A	A	15 months = 6.20
	A	$1,000	M	M	6.13	5.94	5.94	5.75	5.70	5.60
	BBB	$1,000	Q	Q	6.15	6.00	6.00	5.90
	BBB	$1,000	Z	Z	6.15	6.00	6.00	5.90
	A-	$1,000	S	S	6.00	6.00	5.90	5.80	5.60	5.50
	AA-	$5,000	Q	Q	6.10	6.10	5.90	5.50	5.40	5.40

Institution	Credit Rating	Minimum Deposit	12 mths	18 mths	2 years	3 years
Heretaunga		$1	6.25		6.10
Nelson	BB+	$5,000	6.10		6.00	5.80
Wairarapa	BB+	$2,000	6.25	6.10	6.00	5.30

Institution	Credit Rating	Minimum Deposit	12 mths	18 mths	2 years	3 years	4 years	5 years
First CU	BB	$500	6.50	5.95	5.75
NZCU Auckland		$500	6.15	6.50	6.15
		$10,000	6.15	6.50	6.15
Police CU	BBB-	$500	6.00	5.80	5.75
Unity	BB	$1,000	6.10	5.80	5.90	5.40	5.40	5.40

Institution	Minimum Deposit	Credit	Paid	12 mths	2 years	3 years	4 years	5 years
Southern Cross Partners	$10,000	M	M	7.50	7.50
Squirrel Money - construction loans base	$100			7.50	7.50
Squirrel Money - home loans base	$100	M	M	7.00	7.00	7.00		7.00
Squirrel Money - personal loans base	$100	M	M	8.00	8.00	8.00	8.00	7.75

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	18 mths	2 years	3 years	4 years	5 years
Christian Savings	BB+	$1,000	S	S	6.15	6.05	6.05	5.50		5.50
Finance Direct		$1,000	Q	Q	6.50	6.10	6.25	6.60	7.10	7.30
General Finance	BB	$2,000	Q	Q	7.50	7.50	7.50	7.00	7.00	7.00
Gold Band Finance	B+	$5,000	Q	Q	6.75	8.00	6.50	6.75	6.75	6.75
Liberty Financial	BBB-	$5,000	Q	Q	7.10	7.00	7.00	6.90	6.70	6.70
Mutual Credit Finance	B	$5,000	Q	Q	7.00	7.00	7.25	6.75	6.50	6.25
Xceda Finance	B	$2,500	Q	Q	7.50	7.50	7.35	7.00	6.75	6.75

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	18 mths	2 years	3 years	4 years	5 years
Kiwi Bonds	AA+	$1,000	Q	Q	5.50		5.00		4.75