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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
ANZAA-$10,000QY2.202.202.503.003.003.00
ASBAA-$5,000QY2.002.102.503.003.053.10
AA-$10,000QY2.002.102.503.003.053.10
Bank of BarodaBBB-$1,000MM2.252.352.502.502.502.50
BBB-$10,000MM2.252.352.502.502.502.50
Bank of ChinaA$100,000ZZ2.202.302.702.903.103.30
Bank of IndiaBB+$5,000QQ2.002.002.502.602.903.00
BNZAA-$2,000MM2.202.252.502.752.903.00
AA-$2,000ZZ2.202.252.502.752.903.00
China Construction BankA$100,000ZZ2.252.352.753.053.203.35
Co-operative BankBBB$2,000QQ2.152.202.502.803.00
BBB$5,000ZZ2.20
BBB$10,000QQ2.152.202.502.803.00
Heartland BankBBB$1,000QQ1.852.002.152.302.502.60
BBB$1,000ZZ
15 months = 1.85 Invest in Heartland to invest in New Zealand
HSBCAA-$1ZZ1.151.652.002.202.35
AA-$10,000ZZ1.852.252.602.802.95
ICBC A$5,000ZZ2.152.202.452.953.003.05
A$10,000ZZ2.252.302.553.053.103.15
A$50,000ZZ2.252.302.553.053.103.15
KiwibankA1$1,000ZZ0.500.500.500.500.50
A1$5,000ZZ2.102.402.652.903.00
A1$5,000MM2.102.402.652.903.00
A1$10,000ZZ2.202.502.753.003.10
A1$10,000ZM2.202.502.753.003.10
KookminA$5,000ZZ1.702.202.402.602.70
A$10,000ZZ1.802.302.502.702.80
A$50,000ZZ1.902.402.602.802.90
A$100,000ZZ2.002.502.702.903.00
RaboDirectA$1,000AA2.252.352.703.153.153.20
A$1,000AA
A$1,000MM2.232.332.673.113.113.15
SBS Bank.BBB$1,000QQ2.252.252.553.00
BBB$1,000ZZ2.252.252.553.00
TSB BankA-$5,000SS2.102.002.402.902.902.90
A-$10,000SS2.202.102.503.003.003.00
WestpacAA-$5,000MM2.202.202.502.802.903.00

 

Building Societies

Institution Credit Rating Minimum Deposit Credit Paid 12 mths 18 mths 2 years 3 years 4 years 5 years
Heretaunga$12.252.75
NelsonBB+$5,0002.202.503.00
WairarapaBB+$10,0001.952.052.20
BB+$100,000ZZ2.152.252.503.00

Credit Unions

Institution Credit Rating Minimum Deposit Credit Paid 12 mths 18 mths 2 years 3 years 4 years 5 years
First CUBB$5002.502.603.00
NZ Firefighters CU$1,0001.001.101.10
NZCU Auckland$5001.601.651.85
$10,0002.202.202.50
NZCU Employees$5000.75
Police CUBBB-$5002.052.152.55
UnityBB$1,0002.152.502.603.003.003.10

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$500MM4.004.004.004.00
Squirrel Money - personal loans base$500MM6.006.506.507.50

Finance Companies

Institution Credit Rating Minimum Deposit Credit Paid 12 mths 18 mths 2 years 3 years 4 years 5 years
Christian Savings BB$1,000ZZ2.252.302.603.053.15
Finance Direct$1,000QQ2.303.984.104.654.655.85
General FinanceBB-$2,000QQ3.904.504.554.804.804.80
Gold Band Finance$5,000QQ3.453.754.504.754.904.90
Liberty FinancialBBB-$5,000QQ3.003.053.103.103.103.10
BBB-$20,000QQ3.053.103.153.153.153.15
BBB-$100,000QQ3.103.153.203.203.203.20
BBB-$250,000QQ3.153.203.253.253.253.25
Mutual Credit Finance$5,000QQ4.054.505.055.255.255.25
Xceda FinanceB$2,500QQ3.603.954.254.504.755.00

Crown Companies

Institution Credit Rating Minimum Deposit Credit Paid 12 mths 18 mths 2 years 3 years 4 years 5 years
Kiwi BondsAA+$1,000QQ1.101.501.90