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 | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 | AA- | $10,000 | Z | Z | 0.50 | 2.65 | 3.00 | 3.15 | 3.25 | 3.30 | |||
| AA- | $10,000 | Z | Z | 8 months =
3.30
ANZ Term Deposits combine competitive returns with peace of mind
| |||||||||
| ASB | AA- | $5,000 | Z | Z | 0.75 | 1.75 | 2.00 | 2.00 | 2.00 | 2.00 | |||
| AA- | $10,000 | Q | M | 1.00 | 2.75 | 3.00 | 3.00 | 3.25 | 3.45 | ||||
| Bank of Baroda | BBB- | $5,000 | M | M | 2.20 | 3.10 | 3.10 | 3.10 | 3.30 | 3.50 | |||
| BBB- | $10,000 | M | M | 2.20 | 3.10 | 3.10 | 3.10 | 3.30 | 3.50 | ||||
| Bank of India | BB+ | $5,000 | M | M | 2.20 | 3.00 | 3.10 | 3.10 | 3.25 | 3.25 | |||
 | AA- | $2,000 | Z | Z | 0.50 | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 | |||
| AA- | $5,000 | Z | Z | 0.50 | 2.65 | 2.90 | 3.00 | 3.25 | 3.25 | ||||
| AA- | $5,000 | Q | Q | ||||||||||
| AA- | $20,000 | M | M | 3.25 | |||||||||
| Co-operative Bank | BBB | $2,000 | Q | Q | 2.05 | 2.85 | 2.85 | 2.85 | 3.05 | 3.25 | |||
| BBB | $5,000 | Q | Q | 3.25 | |||||||||
| BBB | $10,000 | Q | Q | 2.15 | 2.95 | 2.95 | 2.95 | 3.15 | 3.35 | ||||
 | BBB | $1,000 | Q | Q | 2.15 | 3.00 | 3.15 | 3.45 | 3.50 | ||||
| BBB | $1,000 | Z | Z | 4 months =
3.25
Heartland Bank's new Boost Saver. Reverts to a 3.00% Direct Call account at maturity
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| BBB | $20,000 | Q | Q | 2.25 | 3.10 | 3.25 | 3.45 | 3.60 | |||||
| HSBC | AA- | $5,000 | Z | Z | 0.90 | 1.90 | 1.90 | 1.90 | 1.90 | 1.90 | |||
| AA- | $10,000 | Z | Z | 0.90 | 2.40 | 2.50 | 2.70 | 2.80 | 2.80 | ||||
| AA- | $100,000 | Z | Z | 1.00 | 2.50 | 2.60 | 2.80 | 2.90 | 2.90 | ||||
 | A | $5,000 | Z | Z | 0.90 | 2.70 | 2.90 | 3.10 | 3.20 | 3.50 | |||
| A | $10,000 | Z | Z | 0.95 | 2.75 | 2.95 | 3.15 | 3.25 | 3.55 | ||||
| A | $50,000 | Z | Z | 1.00 | 2.80 | 3.00 | 3.20 | 3.30 | 3.60 | ||||
| Kiwibank | A | $1,000 | Z | Z | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | ||||
| A | $5,000 | Z | Z | 0.65 | 2.65 | 2.90 | 2.95 | 3.15 | 3.30 | ||||
| A | $10,000 | Z | Z | 0.75 | 2.75 | 3.00 | 3.05 | 3.25 | 3.40 | ||||
| A | $10,000 | Z | Z | 200 days =
3.30
100 days =
2.80
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| Kookmin | A | $5,000 | Z | Z | 0.80 | 2.30 | 2.55 | 2.60 | 2.90 | 3.05 | |||
| A | $10,000 | Z | Z | 1.00 | 2.55 | 2.80 | 2.85 | 3.10 | 3.20 | ||||
| A | $50,000 | Z | Z | 1.20 | 2.75 | 2.90 | 2.95 | 3.20 | 3.30 | ||||
| A | $100,000 | Z | Z | 1.40 | 2.85 | 3.00 | 3.05 | 3.30 | 3.40 | ||||
 | A | $1,000 | Z | Z | 2.00 | 2.80 | 3.30 | 3.30 | |||||
 | BBB | $5,000 | Q | Q | 2.75 | 3.00 | 2.75 | 3.25 | 3.35 | ||||
| BBB | $5,000 | Z | Z | 3.30 | 3.40 | ||||||||
| BBB | $5,000 | Z | Z | ||||||||||
| TSB Bank | A- | $5,000 | Z | Z | 1.00 | 2.75 | 2.90 | 2.90 | 3.05 | 3.15 | |||
| A- | $10,000 | Z | Z | 1.25 | 2.75 | 3.00 | 3.00 | 3.15 | 3.20 | ||||
 | AA- | $5,000 | M | M | 0.75 | 2.75 | 3.00 | 3.00 | 3.45 | 3.35 | |||
| AA- | $5,000 | Z | Z | 8 months =
3.45
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Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 2.90 | 3.50 | |||||||
| Nelson | BB+ | $5,000 | 2.00 | 2.75 | 3.30 | 3.60 | ||||
| Wairarapa | BB+ | $2,000 | 2.75 | 2.75 | 2.75 | 2.75 | ||||
| BB+ | $5,000 | Z | Z | 2.95 | 3.20 | 3.60 | 3.60 |
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 | 2.90 | 2.90 | 3.10 | 4.50 | ||||
| First CU | BB- | $500 | 3.10 | 3.70 | 3.75 | |||||
| BB- | $10,000 | 3.10 | 3.70 | 3.75 | ||||||
| NZ Firefighters CU | $1,000 | 2.00 | 2.85 | 3.10 | 3.25 | 3.45 | 3.60 | |||
| NZCU Auckland | $500 | 2.50 | 2.75 | 2.75 | ||||||
| $10,000 | 2.75 | 3.50 | 3.75 | |||||||
| NZCU Baywide | BB | $1,000 | 1.50 | 3.10 | 3.30 | 3.40 | 3.50 | 3.70 | ||
| NZCU Central | $500 | 2.50 | 3.25 | 3.85 | 3.95 | |||||
| NZCU Employees | $10,000 | 3.00 | 3.50 | 3.85 | ||||||
| NZCU South | BB | $500 | Z | Z | 1.00 | 1.90 | 2.40 | 2.60 | ||
| BB | $5,000 | Z | Z | 2.00 | 2.80 | 3.40 | 3.60 | |||
| Police CU | BBB | $500 | 2.80 | 3.20 | 3.20 | 3.30 | 3.50 |
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 | 2.40 | |||||
| Christian Savings | BB- | $1,000 | Z | Z | 1.25 | 2.88 | 3.53 | 3.40 | ||
| Finance Direct | $1,000 | Q | Q | 2.25 | ||||||
| General Finance | $2,000 | Q | Q | 2.50 | ||||||
| Gold Band Finance | $5,000 | Q | Q | 2.00 | 2.00 | |||||
| Liberty Financial | BBB- | $5,000 | Q | Q | 3.25 | 3.70 | 4.00 | |||
| BBB- | $20,000 | Q | Q | 3.60 | 3.95 | 4.25 | ||||
| BBB- | $100,000 | Q | Q | 3.85 | 4.25 | 4.50 | ||||
| UDC | BBB | $5,000 | Z | Z | 2.00 | 2.70 | 2.95 | 3.30 | 3.45 | 3.65 |
| BBB | $100,000 | Z | Z | 2.05 | 2.75 | 3.00 | 3.30 | 3.50 | 3.65 |
Crown Agencies
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 | 1.75 |