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 | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ANZ | AA- | $10,000 | Q | Y | 2.35 | 2.35 | 2.35 | 2.35 | 2.40 | 2.40 | |||
 | AA- | $5,000 | Q | Y | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |||
| AA- | $10,000 | Q | Y | 2.30 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | ||||
| Bank of Baroda | BBB- | $1,000 | M | M | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | |||
| BBB- | $10,000 | M | M | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | 2.25 | ||||
| Bank of India | BB+ | $5,000 | Q | Y | 2.00 | 2.00 | 2.15 | 2.20 | |||||
 | AA- | $2,000 | M | M | 2.40 | 2.65 | 2.40 | 2.40 | 2.40 | 2.40 | |||
| AA- | $2,000 | Z | Z | 2.40 | 2.65 | 2.40 | 2.40 | 2.40 | 2.40 | ||||
| Co-operative Bank | BBB | $2,000 | Q | Q | 2.35 | 2.30 | 2.30 | 2.35 | 2.40 | ||||
| BBB | $5,000 | Z | Z | 2.55 | |||||||||
| BBB | $10,000 | Q | Q | 2.45 | 2.40 | 2.40 | 2.45 | 2.50 | |||||
 | BBB | $1,000 | Q | Q | 2.75 | 2.70 | 2.70 | 2.70 | 2.70 | 2.70 | |||
| BBB | $1,000 | Q | Q | 15 months =
2.70
Invest in Heartland to invest in New Zealand
| |||||||||
| HSBC | AA- | $5,000 | Z | Z | 0.80 | 0.85 | 0.85 | 0.85 | 0.85 | ||||
| AA- | $10,000 | Z | Z | 1.80 | 1.85 | 1.85 | 1.85 | 1.85 | |||||
| AA- | $100,000 | Z | Z | 2.00 | 2.05 | 2.05 | 2.05 | 2.05 | |||||
 | A | $5,000 | Z | Z | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | 2.75 | |||
| A | $10,000 | Z | Z | 2.80 | 2.80 | 2.80 | 2.80 | 2.80 | 2.80 | ||||
| A | $50,000 | Z | Z | 2.85 | 2.85 | 2.85 | 2.85 | 2.85 | 2.85 | ||||
| Kiwibank | A | $1,000 | Z | Z | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | ||||
| A | $5,000 | Z | Z | 2.40 | 2.30 | 2.30 | 2.30 | 2.30 | |||||
| A | $5,000 | M | M | 2.40 | 2.30 | 2.30 | 2.30 | 2.30 | |||||
| A | $10,000 | Z | Z | 2.50 | 2.40 | 2.40 | 2.40 | 2.40 | |||||
| A | $10,000 | Z | M | 2.50 | 2.40 | 2.40 | 2.40 | 2.40 | |||||
| Kookmin | A | $5,000 | Z | Z | 2.60 | 2.60 | 2.60 | 2.60 | 2.70 | ||||
| A | $10,000 | Z | Z | 2.70 | 2.70 | 2.70 | 2.70 | 2.80 | |||||
| A | $50,000 | Z | Z | 2.80 | 2.80 | 2.80 | 2.80 | 2.90 | |||||
| A | $100,000 | Z | Z | 2.90 | 2.90 | 2.90 | 2.90 | 3.00 | |||||
 | A | $1,000 | A | A | 2.55 | 2.50 | 2.50 | 2.50 | 2.50 | 2.70 | |||
| A | $1,000 | A | A | ||||||||||
| A | $1,000 | M | M | 2.52 | 2.47 | 2.47 | 2.47 | 2.47 | 2.67 | ||||
 | BBB | $1,000 | Q | Q | 2.60 | 2.70 | 2.50 | 2.50 | |||||
| BBB | $1,000 | Z | Z | 2.60 | 2.70 | 2.50 | 2.50 | ||||||
 | A- | $5,000 | S | S | 2.50 | 2.60 | 2.50 | 2.50 | 2.50 | 2.50 | |||
| A- | $10,000 | S | S | 2.60 | 2.65 | 2.60 | 2.60 | 2.60 | 2.60 | ||||
 | AA- | $5,000 | M | M | 2.50 | 2.70 | 2.50 | 2.50 | 2.50 | 2.50 | |||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 3.00 | 3.00 | |||||||
| Nelson | BB+ | $5,000 | 2.60 | 2.60 | 2.60 | |||||
| Wairarapa | BB+ | $2,000 | 1.75 | 1.75 | ||||||
| BB+ | $10,000 | Z | Z | 2.65 | 2.15 |
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 | 2.70 | 2.70 | 2.80 | 2.80 | 2.85 | 2.85 | ||
| First CU | BB | $500 | 3.15 | 3.15 | 3.20 | 3.20 | ||||
| NZ Firefighters CU | $1,000 | 2.80 | 2.80 | 2.80 | ||||||
| NZCU Auckland | $500 | 2.75 | 2.70 | 2.70 | ||||||
| $10,000 | 2.90 | 2.85 | 2.85 | |||||||
| NZCU Baywide | BB | $1,000 | 2.70 | 2.70 | 2.80 | 2.80 | 2.85 | 2.85 | ||
| NZCU Central | BB | $500 | 2.70 | 2.70 | 2.80 | 2.80 | 2.85 | 2.85 | ||
| NZCU Employees | $2,000 | 2.50 | ||||||||
| $10,000 | 3.00 | 3.10 | 3.20 | 3.30 | ||||||
| NZCU South | BB | $1,000 | Z | Z | 2.70 | 2.70 | 2.80 | 2.80 | 2.85 | 2.85 |
| Police CU | BBB | $500 | 2.45 | 2.45 | 2.45 |
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 | 5.05 | 5.25 | 5.50 | 5.75 |
| Christian Savings | BB | $1,000 | Z | Z | 2.86 | 2.90 | 3.00 | 2.60 | 2.60 | |
| 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 | 4.35 | 4.75 | 4.95 | 4.95 | 4.75 | 4.75 |
| Gold Band Finance | $5,000 | Q | Q | 3.80 | 4.50 | 5.10 | 5.25 | 5.50 | 5.50 | |
| Liberty Financial | BBB- | $5,000 | Q | Q | 3.20 | 3.25 | 3.35 | 3.45 | 3.55 | 3.65 |
| BBB- | $20,000 | Q | Q | 3.45 | 3.50 | 3.60 | 3.70 | 3.80 | 3.90 | |
| BBB- | $100,000 | Q | Q | 3.85 | 3.85 | 3.85 | 3.95 | 4.05 | 4.15 | |
| BBB- | $250,000 | Q | Q | 4.00 | 4.05 | 4.10 | 4.15 | 4.30 | 4.40 | |
| 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 |
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