Term deposits 1 to 5 years

Printer-friendly version of this page for term deposits up to 9 months, see here »

Make sense of all these rates by using our Term Deposit Calculator »

Banks

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	18 mths	2 years	3 years	4 years	5 years
ANZ	AA-	$10,000	Q	Y	1.85	1.85	1.85	1.90	1.95	2.00
	AA-	$5,000	Q	Y	1.80	1.85	1.85	1.85	1.85	1.90
	AA-	$10,000	Q	Y	1.80	1.85	1.85	1.85	1.85	1.90
Bank of Baroda	BBB-	$1,000	M	M	2.50	2.50	2.50	2.50	2.50	2.50
	BBB-	$10,000	M	M	2.50	2.50	2.50	2.50	2.50	2.50
Bank of India	BB+	$5,000	Q	Y	2.30	2.30	2.15	2.15
	AA-	$2,000	M	M	2.00	2.10	2.00	2.00	2.00	2.00
	AA-	$2,000	Z	Z	2.00	2.10	2.00	2.00	2.00	2.00
Co-operative Bank	BBB	$2,000	Q	Q	1.70	1.85	1.90	2.00	2.10
	BBB	$5,000	Z	Z	1.90
	BBB	$10,000	Q	Q	1.80	1.95	2.00	2.10	2.20
	BBB	$1,000	Q	Q	2.30	2.35	2.35	2.35	2.35	2.35
	BBB	$1,000	Z	Z	10 months = 2.35 Invest in Heartland to invest in New Zealand
HSBC	AA-	$5,000	Z	Z	0.30		0.30	0.30	0.30	0.30
	AA-	$10,000	Z	Z	1.30		1.30	1.30	1.30	1.30
	AA-	$100,000	Z	Z	1.50		1.50	1.50	1.50	1.50
	A	$5,000	Z	Z	2.35	2.35	2.35	2.35	2.35	2.35
	A	$10,000	Z	Z	2.40	2.40	2.40	2.40	2.40	2.40
	A	$50,000	Z	Z	2.45	2.45	2.45	2.45	2.45	2.45
Kiwibank	A	$1,000	Z	Z	2.00		2.00	2.00	2.00	2.00
	A	$5,000	Z	Z	2.05		2.10	2.15	2.15	2.15
	A	$5,000	M	M	2.05		2.10	2.15	2.15	2.15
	A	$10,000	Z	Z	2.15		2.20	2.25	2.25	2.25
	A	$10,000	Z	M	2.15		2.20	2.25	2.25	2.25
Kookmin	A	$5,000	Z	Z	2.15		2.20	2.25	2.25	2.35
	A	$10,000	Z	Z	2.20		2.10	2.10	2.10	2.20
	A	$50,000	Z	Z	2.30		2.20	2.20	2.20	2.30
	A	$100,000	Z	Z	2.40		2.30	2.30	2.30	2.40
	A	$1,000	A	A	2.20	2.20	2.25	2.25	2.25	2.35
	A	$1,000	A	A	15 months = 2.20
	A	$1,000	M	M	2.18	2.18	2.23	2.23	2.23	2.33
	BBB	$1,000	Q	Q	2.20	2.20	2.20	2.20
	BBB	$1,000	Z	Z	2.20	2.20	2.20	2.20
	A-	$5,000	S	S	2.05	2.05	2.05	2.10	2.10	2.10
	A-	$10,000	S	S	2.15	2.15	2.15	2.20	2.20	2.20
	AA-	$5,000	M	M	1.85	1.85	1.85	1.90	1.95	2.00

Building Societies

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	2 years	3 years
Heretaunga		$1			2.85	2.75
Nelson	BB+	$5,000			2.20	2.30	2.30
Wairarapa	BB+	$2,000			1.50	1.50
	BB+	$10,000	Z	Z	2.40	2.45

Credit Unions

Institution	Credit Rating	Minimum Deposit	Credit	Paid	12 mths	18 mths	2 years	3 years	4 years	5 years
Aotearoa Credit Union	BB	$500			2.50	2.50	2.55	2.55	2.60	2.60
First CU	BB	$500			2.85	2.85	2.70	2.70
NZ Firefighters CU		$1,000			2.70	2.70	2.75
NZCU Auckland		$500			2.50	2.50	2.50
		$10,000			2.50	2.50	2.60
NZCU Baywide	BB	$1,000			2.50	2.50	2.55	2.55	2.60	2.60
NZCU Central	BB	$500			2.50	2.50	2.55	2.55	2.60	2.60
NZCU Employees		$2,000			2.50
		$10,000			2.85		2.90	2.95	3.00
NZCU South	BB	$1,000	Z	Z	2.50	2.50	2.55	2.55	2.60	2.60
Police CU	BBB	$500			2.35	2.35	2.35

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	3.50	4.15	4.95	5.05	5.15	5.25
Christian Savings	BB	$1,000	Z	Z	2.52	2.55	2.60	2.62		2.70
Finance Direct		$1,000	Q	Q	3.95	4.65	4.95	5.10	5.35	5.75
General Finance	BB-	$2,000	Q	Q	4.25	4.65	4.80	4.80	4.65	4.65
Gold Band Finance		$5,000	Q	Q	3.80	4.30	4.90	5.05	5.30	5.30
Liberty Financial	BBB-	$5,000	Q	Q	3.00	3.05	3.10	3.10	3.10	3.10
	BBB-	$20,000	Q	Q	3.05	3.10	3.15	3.15	3.15	3.15
	BBB-	$100,000	Q	Q	3.10	3.15	3.20	3.20	3.20	3.20
	BBB-	$250,000	Q	Q	3.15	3.20	3.25	3.25	3.25	3.25
Mutual Credit Finance		$5,000	Q	Q	4.00	4.35	5.00	5.50	5.75	5.75

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	0.50		0.75		0.75

Your access to our unique content is free - always has been. But ad revenues are diving so we need your direct support.

Become a supporter

Thanks, I'm already a supporter.

Term deposits 1 to 5 years

Banks

Building Societies

Credit Unions

Finance Companies

Crown Companies

In this section