Term deposits 1 to 9 months
Banks
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ANZ | AA- | $10,000 | Z | Y | 0.35 | 2.15 | 2.35 | 2.50 | 2.80 | 2.75 | |||
| AA- | $10,000 | Z | Y | 8 months =
2.80
| |||||||||
| ASB | AA- | $5,000 | Z | Y | 0.75 | 1.75 | 2.00 | 2.00 | 2.00 | 2.00 | |||
| AA- | $10,000 | Q | Y | 0.75 | 2.10 | 2.35 | 2.40 | 2.70 | 2.80 | ||||
| Bank of Baroda | BBB- | $5,000 | M | M | 1.65 | 2.20 | 2.20 | 2.20 | 2.20 | 2.90 | |||
| BBB- | $10,000 | M | M | 1.65 | 2.40 | 2.45 | 2.50 | 2.75 | 2.80 | ||||
| Bank of India | BB+ | $5,000 | M | Y | 1.70 | 2.50 | 2.60 | 2.60 | 2.75 | 2.75 | |||
 | AA- | $2,000 | Z | Z | 0.35 | 1.90 | 2.25 | 2.40 | 2.65 | 2.65 | |||
| AA- | $2,000 | Q | Q | 7 months =
2.70
| |||||||||
| AA- | $2,000 | M | M | 1.90 | 2.25 | 2.40 | 2.65 | 2.65 | |||||
| Co-operative Bank | BBB | $2,000 | Q | Q | 1.05 | 2.15 | 2.50 | 2.50 | |||||
| BBB | $5,000 | Q | Z | 2.70 | |||||||||
| BBB | $10,000 | Q | Q | 1.15 | 2.25 | 2.60 | 2.60 | ||||||
 | BBB | $1,000 | Q | Q | 1.25 | 2.30 | 2.40 | 2.80 | 2.80 | ||||
| HSBC | AA- | $5,000 | Z | Z | 0.10 | 1.00 | 1.10 | 1.10 | 1.20 | 1.20 | |||
| AA- | $10,000 | Z | Z | 0.15 | 1.30 | 1.90 | 2.00 | 2.20 | 2.20 | ||||
| AA- | $100,000 | Z | Z | 0.25 | 1.80 | 2.10 | 2.20 | 2.40 | 2.40 | ||||
 | A | $5,000 | Z | Z | 0.45 | 2.15 | 2.40 | 2.60 | 2.75 | 2.75 | |||
| A | $10,000 | Z | Z | 0.50 | 2.20 | 2.45 | 2.65 | 2.90 | 2.80 | ||||
| A | $50,000 | Z | Z | 0.55 | 2.25 | 2.50 | 2.70 | 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 | 0.25 | 2.00 | 2.25 | 2.30 | 2.65 | 2.60 | ||||
| A | $10,000 | Z | Z | 0.35 | 2.10 | 2.35 | 2.40 | 2.75 | 2.70 | ||||
| A | $10,000 | Z | Z | 200 days =
2.70
| |||||||||
| Kookmin | A | $5,000 | Z | Z | 0.30 | 2.00 | 2.20 | 2.30 | 2.50 | 2.50 | |||
| A | $10,000 | Z | Z | 0.30 | 2.10 | 2.30 | 2.40 | 2.60 | 2.60 | ||||
| A | $50,000 | Z | Z | 0.30 | 2.30 | 2.40 | 2.50 | 2.70 | 2.70 | ||||
| A | $100,000 | Z | Z | 0.30 | 2.30 | 2.50 | 2.60 | 2.80 | 2.80 | ||||
 | A | $1,000 | Z | A | 0.95 | 2.15 | 2.80 | 2.75 | |||||
 | BBB | $1,000 | Q | Q | 2.15 | 2.40 | 2.40 | 2.80 | 2.90 | ||||
| BBB | $1,000 | Z | Z | 2.80 | 2.80 | ||||||||
| TSB Bank | A- | $5,000 | Z | S | 0.50 | 2.00 | 2.25 | 2.30 | 2.60 | 2.60 | |||
| A- | $10,000 | Z | S | 0.75 | 2.10 | 2.35 | 2.40 | 2.70 | 2.70 | ||||
 | AA- | $5,000 | M | M | 0.35 | 2.15 | 2.40 | 2.60 | 2.80 | 2.75 | |||
| AA- | $5,000 | Z | Z | 8 months =
2.75
| |||||||||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 2.50 | 3.25 | |||||||
| Nelson | BB+ | $5,000 | 1.00 | 2.25 | 2.85 | 2.80 | ||||
| Wairarapa | BB+ | $2,000 | 2.00 | 2.00 | 2.00 | 2.00 | ||||
| BB+ | $5,000 | Z | Z | 2.10 | 2.40 | 2.65 | 3.05 |
Credit Unions
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Aotearoa Credit Union | $500 | N | 1.00 | 2.50 | 3.10 | 3.15 | ||||
| First CU | BB | $500 | 2.55 | 3.15 | 3.20 | |||||
| BB | $10,000 | 2.55 | 3.15 | 3.20 | ||||||
| NZ Firefighters CU | $1,000 | 1.00 | 2.30 | 2.55 | 2.70 | 2.85 | 2.85 | |||
| NZCU Auckland | $500 | 2.40 | 2.75 | 2.75 | ||||||
| $10,000 | 2.50 | 3.00 | 3.00 | |||||||
| NZCU Baywide | BB | $1,000 | 1.00 | 2.50 | 2.75 | 2.80 | 3.10 | 3.15 | ||
| NZCU Central | $500 | 1.00 | 2.50 | 2.75 | 2.80 | 3.10 | 3.15 | |||
| NZCU Employees | $2,000 | 2.50 | 2.60 | 2.70 | ||||||
| $10,000 | 3.00 | 3.50 | 3.85 | |||||||
| NZCU South | BB | $1,000 | Z | Z | 1.00 | 2.50 | 3.10 | 3.15 | ||
| Police CU | BBB | $500 | 2.25 | 2.50 | 2.60 | 2.85 | 2.80 |
Finance Companies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Finance | B- | $500 | Q | Q | 1.80 | |||||
| Christian Savings | BB | $1,000 | Z | Z | 0.60 | 2.25 | 2.85 | 2.85 | ||
| Finance Direct | $1,000 | Q | Q | 2.25 | ||||||
| General Finance | $2,000 | 3.35 | 4.45 | |||||||
| Gold Band Finance | $5,000 | Q | Q | 2.00 | 2.00 | |||||
| Liberty Financial | BBB- | $5,000 | Q | Q | 2.75 | 2.90 | 3.10 | |||
| BBB- | $20,000 | Q | Q | 2.95 | 3.15 | 3.25 | ||||
| BBB- | $100,000 | Q | Q | 3.25 | 3.70 | 3.80 |
Crown Agencies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|
Crown Companies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Kiwi Bonds | AA+ | $1,000 | Q | Q | 1.00 |