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 | Y | M | 3.35 | 3.65 | 3.80 | 3.90 | 4.10 | 4.20 | |||
 | AA- | $5,000 | Q | M | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |||
| AA- | $10,000 | Q | M | 3.25 | 3.65 | 3.80 | 3.90 | 4.10 | 4.20 | ||||
| Bank of Baroda | BBB- | $5,000 | M | M | 3.70 | 3.70 | 3.95 | 4.05 | 4.25 | 4.30 | |||
| BBB- | $10,000 | M | M | 3.70 | 3.70 | 3.95 | 4.05 | 4.25 | 4.30 | ||||
| Bank of India | BB+ | $5,000 | Q | Q | 3.50 | 3.60 | 4.00 | 4.00 | |||||
 | AA- | $2,000 | Q | Q | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 | |||
| AA- | $5,000 | Q | Q | 3.15 | 3.60 | 3.85 | 4.00 | 4.15 | 4.25 | ||||
| AA- | $5,000 | Z | Z | 3.15 | |||||||||
| AA- | $20,000 | M | M | 3.15 | 3.60 | 3.85 | 4.00 | 4.15 | 4.25 | ||||
 | BBB | $2,000 | Q | Q | 3.40 | 3.55 | 3.75 | 3.90 | 4.05 | ||||
| BBB | $5,000 | Z | Z | 3.60 | |||||||||
| BBB | $10,000 | Q | Q | 3.50 | 3.65 | 3.85 | 4.00 | 4.15 | |||||
 | BBB | $1,000 | Q | Q | 3.40 | 3.30 | 3.30 | 3.60 | 3.65 | 3.70 | |||
| BBB | $20,000 | Q | Q | 3.40 | 3.40 | 3.40 | 3.70 | 3.75 | 3.80 | ||||
| HSBC | AA- | $5,000 | Z | Z | 1.90 | 1.90 | 1.90 | 1.90 | 1.90 | ||||
| AA- | $10,000 | Z | Z | 2.90 | 2.90 | 3.00 | 3.15 | 3.30 | |||||
| AA- | $100,000 | Z | Z | 3.00 | 3.00 | 3.10 | 3.25 | 3.40 | |||||
 | A | $5,000 | Z | Z | 3.35 | 3.75 | 3.75 | 3.80 | 4.00 | 4.10 | |||
| A | $10,000 | Z | Z | 3.40 | 3.80 | 3.80 | 3.85 | 4.05 | 4.15 | ||||
| A | $50,000 | Z | Z | 3.45 | 3.85 | 3.85 | 3.90 | 4.10 | 4.20 | ||||
| Kiwibank | A | $1,000 | Z | Z | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | ||||
| A | $5,000 | Z | Z | 3.15 | 3.75 | 3.90 | 4.05 | 4.20 | |||||
| A | $5,000 | M | M | 3.10 | 3.65 | 3.70 | 3.70 | 3.70 | |||||
| A | $10,000 | Z | Z | 3.25 | 3.85 | 4.00 | 4.15 | 4.30 | |||||
| A | $10,000 | M | M | 3.20 | 3.75 | 3.80 | 3.80 | 3.80 | |||||
| Kookmin | A | $5,000 | Z | Z | 3.00 | 3.20 | 3.25 | 3.35 | 3.45 | ||||
| A | $10,000 | Z | Z | 3.10 | 3.30 | 3.35 | 3.45 | 3.55 | |||||
| A | $50,000 | Z | Z | 3.20 | 3.40 | 3.45 | 3.55 | 3.65 | |||||
| A | $100,000 | Z | Z | 3.30 | 3.50 | 3.55 | 3.65 | 3.75 | |||||
 | A | $1,000 | A | A | 3.40 | 3.70 | 3.85 | 3.95 | 4.10 | 4.25 | |||
| A | $1,000 | A | A | ||||||||||
| A | $1,000 | M | M | 3.35 | 3.64 | 3.78 | 3.88 | 4.02 | 4.17 | ||||
 | BBB | $5,000 | Q | Q | 3.45 | 3.55 | 3.75 | 3.88 | |||||
| BBB | $5,000 | Z | Z | 3.50 | 3.65 | 3.85 | 4.08 | ||||||
 | A- | $5,000 | S | S | 3.25 | 3.65 | 3.80 | 3.85 | 4.10 | 4.20 | |||
| A- | $10,000 | S | S | 3.30 | 3.65 | 4.00 | 4.05 | 4.20 | 4.30 | ||||
 | AA- | $5,000 | Q | Q | 2.50 | 2.50 | 2.50 | 3.00 | 3.00 | 3.00 | |||
| AA- | $10,000 | Z | Z | 3.15 | 3.50 | 3.70 | 3.80 | 4.00 | 4.10 | ||||
 | AA- | $5,000 | M | M | 3.05 | 3.55 | |||||||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 3.70 | ||||||||
| Nelson | BB+ | $5,000 | 3.50 | 3.85 | 4.05 | |||||
| Wairarapa | BB+ | $2,000 | 2.75 | |||||||
| BB+ | $5,000 | Z | Z | 3.60 |
Credit Unions
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Aotearoa Credit Union | $500 | N | 4.95 | 5.25 | 5.50 | 5.50 | ||||
| Credit Union Central | $500 | 3.60 | 3.75 | |||||||
| First CU | BB- | $500 | 3.80 | |||||||
| BB- | $10,000 | 3.80 | ||||||||
| NZCU Auckland | $500 | 3.00 | 3.00 | 3.00 | ||||||
| $10,000 | 3.50 | 3.75 | 3.60 | |||||||
| NZCU Baywide | BB | $1,000 | 4.00 | 4.15 | 4.25 | 4.30 | 4.40 | 4.50 | ||
| NZCU Employees | $10,000 | 3.80 | 4.00 | 4.20 | 4.40 | |||||
| NZCU South | BB- | $500 | Q | Q | 2.80 | 3.10 | 3.20 | 3.35 | ||
| BB- | $5,000 | Q | Q | 3.80 | 4.10 | 4.20 | 4.35 | |||
| Police CU | BBB | $500 | 3.40 | 3.80 | 3.85 |
Finance Companies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Finance | B | $500 | Q | Q | 3.40 | 4.50 | 5.30 | 5.70 | 6.35 | 6.50 |
| Christian Savings | B+ | $1,000 | Z | Z | 3.60 | 3.80 | 3.90 | 4.20 | ||
 | B | $5,000 | Q | Q | 6.00 | 6.30 | 6.50 | 6.60 | ||
| B | $10,000 | Q | Q | 6.18 | ||||||
| Finance Direct | $1,000 | Q | Q | 3.95 | 4.95 | 5.25 | 5.50 | 5.75 | 6.10 | |
| Fisher & Paykel Finance | BB | $1,000 | Q | Q | 4.00 | 4.10 | 4.20 | 4.35 | 4.55 | 4.65 |
| BB | $25,000 | Q | Q | 4.15 | 4.25 | 4.35 | 4.50 | 4.70 | 4.80 | |
| General Finance | $5,000 | Q | Q | 4.00 | 5.00 | 5.50 | 5.75 | 4.75 | 4.75 | |
| Gold Band Finance | $5,000 | Q | Q | 3.80 | 4.75 | 5.55 | 5.75 | 6.10 | 6.15 | |
 | BBB- | $5,000 | Q | Q | 4.05 | 4.05 | 4.05 | 4.10 | 4.30 | 4.40 |
| BBB- | $20,000 | Q | Q | 4.30 | 4.35 | 4.40 | 4.45 | 4.55 | 4.65 | |
| BBB- | $100,000 | Q | Q | 4.55 | 4.60 | 4.65 | 4.70 | 4.85 | 4.95 | |
| Mutual Credit Finance | $5,000 | Q | Q | 4.50 | 4.75 | 5.25 | 5.75 | 6.00 | 6.00 | |
| UDC | BBB | $5,000 | Z | Z | 3.80 | 3.75 | 3.85 | 3.85 | 4.05 | 4.15 |
| BBB | $5,000 | Q | Q | 3.80 | 3.75 | 3.85 | 3.85 | 4.05 | 4.15 | |
| BBB | $100,000 | Z | Z | 3.80 | 3.80 | 3.90 | 3.90 | 4.10 | 4.20 | |
| BBB | $100,000 | Q | Q | 3.80 | 3.80 | 3.90 | 3.90 | 4.10 | 4.20 |
Crown Agencies
Crown Companies
| 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 | 1.75 | 2.00 | 2.25 |