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 | 4.00 | 4.05 | 4.10 | 4.20 | 4.30 | 4.40 | |||
 | AA- | $5,000 | Q | Y | 4.00 | 4.05 | 4.10 | 4.35 | 4.40 | 4.50 | |||
| AA- | $10,000 | Q | Y | 4.00 | 4.05 | 4.10 | 4.35 | 4.40 | 4.50 | ||||
| Bank of Baroda | BBB- | $1,000 | M | M | 4.05 | 4.10 | 4.15 | 4.15 | 4.15 | 4.15 | |||
| BBB- | $10,000 | M | M | 4.05 | 4.10 | 4.15 | 4.15 | 4.15 | 4.15 | ||||
| Bank of China | A | $100,000 | Z | Z | 4.10 | 4.20 | 4.30 | 4.40 | 4.50 | 4.60 | |||
| Bank of India | BB+ | $5,000 | Q | Q | 2.00 | 2.00 | 2.50 | 2.60 | 2.90 | 3.00 | |||
 | AA- | $2,000 | M | M | 4.00 | 4.05 | 4.10 | 4.35 | 4.40 | 4.50 | |||
| AA- | $2,000 | Z | Z | 4.00 | 4.05 | 4.10 | 4.35 | 4.40 | 4.50 | ||||
| China Construction Bank | A | $100,000 | Z | Z | 4.15 | 4.20 | 4.40 | 4.60 | 4.75 | 4.80 | |||
| Co-operative Bank | BBB | $2,000 | Q | Q | 3.95 | 4.00 | 4.10 | 4.30 | 4.40 | ||||
| BBB | $5,000 | Z | Z | 4.00 | |||||||||
| BBB | $10,000 | Q | Q | 4.00 | 4.00 | 4.10 | 4.30 | 4.40 | |||||
| Heartland Bank | BBB | $1,000 | Q | Q | 4.20 | 3.80 | 4.10 | 4.20 | 4.30 | 4.40 | |||
| BBB | $1,000 | Z | Z | 15 months =
3.30
Invest in Heartland to invest in New Zealand
| |||||||||
| HSBC | AA- | $1 | Z | Z | 3.10 | 3.45 | 3.50 | 3.65 | 3.70 | ||||
| AA- | $10,000 | Z | Z | 3.80 | 4.05 | 4.10 | 4.25 | 4.30 | |||||
 | A | $5,000 | Z | Z | 3.95 | 3.95 | 4.20 | 4.30 | 4.40 | 4.50 | |||
| A | $10,000 | Z | Z | 4.05 | 4.05 | 4.30 | 4.40 | 4.50 | 4.60 | ||||
| Kiwibank | A1 | $1,000 | Z | Z | 0.50 | 0.50 | 0.50 | 0.50 | 0.50 | ||||
| A1 | $5,000 | Z | Z | 3.90 | 4.00 | 4.10 | 4.15 | 4.20 | |||||
| A1 | $5,000 | M | M | 3.90 | 4.00 | 4.10 | 4.15 | 4.20 | |||||
| A1 | $10,000 | Z | Z | 4.00 | 4.10 | 4.20 | 4.25 | 4.30 | |||||
| A1 | $10,000 | Z | M | 4.00 | 4.10 | 4.20 | 4.25 | 4.30 | |||||
| Kookmin | A | $5,000 | Z | Z | 3.50 | 3.80 | 3.90 | 4.00 | 4.20 | ||||
| A | $10,000 | Z | Z | 3.60 | 3.90 | 4.00 | 4.10 | 4.30 | |||||
| A | $50,000 | Z | Z | 3.70 | 4.00 | 4.10 | 4.20 | 4.40 | |||||
| A | $100,000 | Z | Z | 3.80 | 4.10 | 4.20 | 4.30 | 4.50 | |||||
 | A | $1,000 | A | A | 4.15 | 4.05 | 4.35 | 4.55 | 4.70 | 4.75 | |||
| A | $1,000 | A | A | ||||||||||
| A | $1,000 | M | M | 4.07 | 3.98 | 4.27 | 4.46 | 4.60 | 4.65 | ||||
 | BBB | $1,000 | Q | Q | 4.10 | 4.00 | 4.15 | 4.40 | |||||
| BBB | $1,000 | Z | Z | 4.10 | 4.00 | 4.15 | 4.40 | ||||||
 | A- | $5,000 | S | S | 3.90 | 3.90 | 4.00 | 4.20 | 4.20 | 4.30 | |||
| A- | $10,000 | S | S | 4.00 | 4.00 | 4.10 | 4.30 | 4.30 | 4.40 | ||||
 | AA- | $5,000 | Q | Q | 3.90 | 4.00 | 4.10 | 4.30 | 4.40 | 4.50 | |||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 4.15 | 4.25 | |||||||
| Nelson | BB+ | $5,000 | 4.00 | 4.10 | 4.35 | |||||
| Wairarapa | BB+ | $10,000 | 4.00 | 4.00 | 4.10 | 4.35 |
Credit Unions
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| First CU | BB | $500 | 4.10 | 4.20 | 4.50 | |||||
| NZ Firefighters CU | $1,000 | 3.30 | 3.40 | 3.70 | ||||||
| NZCU Auckland | $500 | 1.60 | 1.65 | 1.85 | ||||||
| $10,000 | 2.20 | 2.20 | 2.50 | |||||||
| Police CU | BBB- | $500 | 4.05 | 4.10 | 4.15 | |||||
| Unity | BB | $1,000 | 4.15 | 4.15 | 4.25 | 4.45 | 4.50 | 4.60 |
Peer-to-Peer
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Squirrel Money - home loans base | $500 | M | M | 4.00 | 4.00 | 4.00 | 4.00 | |||
| Squirrel Money - personal loans base | $500 | M | M | 6.00 | 6.50 | 6.50 | 7.50 |
Finance Companies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 12 mths | 18 mths | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|---|
| Christian Savings | BB+ | $1,000 | Z | Z | 4.25 | 4.35 | 4.40 | 4.50 | 4.60 | |
| Finance Direct | $1,000 | Q | Q | 2.75 | 3.75 | 4.25 | 4.45 | 4.75 | 4.95 | |
| General Finance | BB- | $2,000 | Q | Q | 5.15 | 5.90 | 6.20 | 6.75 | 6.75 | 6.75 |
| Gold Band Finance | $5,000 | Q | Q | 4.45 | 4.75 | 5.25 | 5.50 | 5.75 | 6.00 | |
| Liberty Financial | BBB- | $5,000 | Q | Q | 4.20 | 4.40 | 5.00 | 5.00 | 5.00 | 5.00 |
| BBB- | $20,000 | Q | Q | 4.25 | 4.45 | 5.05 | 5.05 | 5.05 | 5.05 | |
| BBB- | $100,000 | Q | Q | 4.55 | 4.85 | 5.55 | 5.55 | 5.55 | 5.55 | |
| BBB- | $250,000 | Q | Q | 4.65 | 5.00 | 5.75 | 5.75 | 5.75 | 5.75 | |
| Mutual Credit Finance | $5,000 | Q | Q | 5.00 | 5.25 | 5.75 | 6.00 | 6.25 | 6.25 | |
| Xceda Finance | B | $2,500 | Q | Q | 5.35 | 5.75 | 5.85 | 6.10 | 6.15 | 6.25 |
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 | 3.25 | 3.50 | 3.50 |