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 | 2.75 | 3.00 | 3.15 | 3.30 | 3.50 | |||
| AA- | $10,000 | Z | Z | 8 months =
3.50
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 | 3.35 | 3.35 | ||||
| AA- | $10,000 | Z | Z | ||||||||||
| Bank of Baroda | BBB- | $5,000 | M | M | 2.20 | 3.30 | 3.30 | 3.30 | 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 | 2.75 | 3.00 | 3.15 | 3.10 | 3.60 | ||||
| AA- | $5,000 | Q | Q | ||||||||||
| AA- | $20,000 | M | M | 3.10 | |||||||||
| Co-operative Bank | BBB | $2,000 | Q | Q | 2.05 | 2.85 | 2.85 | 2.85 | 3.10 | 3.45 | |||
| BBB | $5,000 | Q | Q | 3.30 | |||||||||
| BBB | $10,000 | Q | Q | 2.15 | 2.95 | 2.95 | 2.95 | 3.20 | 3.55 | ||||
 | BBB | $1,000 | Q | Q | 2.15 | 3.00 | 2.65 | 3.30 | 3.70 | ||||
| BBB | $1,000 | Z | Z | 5 months =
3.55
Invest in Heartland to invest in New Zealand
| |||||||||
| BBB | $20,000 | Q | Q | 2.25 | 3.10 | 2.75 | 3.55 | 3.30 | 3.70 | ||||
| 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 | 0.95 | 2.75 | 2.95 | 3.15 | 3.25 | 3.55 | |||
| A | $10,000 | Z | Z | 1.00 | 2.80 | 3.00 | 3.20 | 3.30 | 3.60 | ||||
| A | $50,000 | Z | Z | 1.05 | 3.05 | 3.25 | 3.35 | 3.40 | 3.65 | ||||
| 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 | 3.05 | 3.20 | 3.50 | ||||
| A | $10,000 | Z | Z | 0.75 | 2.75 | 3.00 | 3.15 | 3.30 | 3.60 | ||||
| A | $10,000 | Z | Z | 200 days =
3.30
100 days =
2.80
| |||||||||
| Kookmin | A | $5,000 | Z | Z | 1.75 | 2.40 | 2.55 | 2.60 | 2.70 | 2.85 | |||
| A | $10,000 | Z | Z | 2.25 | 2.65 | 2.80 | 2.85 | 2.90 | 3.00 | ||||
| A | $50,000 | Z | Z | 2.55 | 2.85 | 2.90 | 2.95 | 3.00 | 3.10 | ||||
| A | $100,000 | Z | Z | 2.65 | 2.95 | 3.00 | 3.05 | 3.10 | 3.20 | ||||
 | A | $1,000 | Z | Z | 2.05 | 3.10 | 3.35 | 3.35 | |||||
 | BBB | $5,000 | Q | Q | 2.75 | 2.75 | 2.75 | 3.25 | 3.50 | ||||
| BBB | $5,000 | Q | Q | ||||||||||
| BBB | $5,000 | Z | Z | 3.30 | 3.55 | ||||||||
| BBB | $5,000 | Z | Z | ||||||||||
| TSB Bank | A- | $5,000 | Z | Z | 1.00 | 2.75 | 2.90 | 2.90 | 3.20 | 3.25 | |||
| A- | $10,000 | Z | Z | 1.25 | 2.75 | 3.00 | 3.00 | 3.30 | 3.45 | ||||
 | AA- | $5,000 | Z | Z | 0.35 | 1.50 | 2.00 | 2.00 | 2.00 | 2.00 | |||
| AA- | $10,000 | Z | Z | 1.00 | 2.75 | 3.00 | 3.00 | 3.10 | 3.35 | ||||
| AA- | $10,000 | Z | Z | 8 months =
3.50
| |||||||||
 | AA- | $5,000 | M | M | 3.10 | ||||||||
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 | 3.60 | |||||||
| 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 | ||||
| Credit Union Central | $500 | 2.25 | 3.00 | 3.25 | 3.25 | |||||
| First CU | BB- | $500 | 3.10 | 3.70 | 3.75 | |||||
| BB- | $10,000 | 3.10 | 3.70 | 3.75 | ||||||
| NZ Firefighters CU | $500 | 1.10 | 2.85 | 3.10 | 3.40 | 3.45 | 3.70 | |||
| NZCU Auckland | $500 | 2.50 | 2.75 | 2.75 | ||||||
| $10,000 | 2.75 | 3.30 | 3.40 | |||||||
| NZCU Baywide | BB | $1,000 | 1.50 | 3.10 | 3.30 | 3.50 | 3.70 | 3.80 | ||
| NZCU Employees | $10,000 | 3.00 | 3.50 | 3.85 | ||||||
| NZCU South | BB- | $500 | Z | Z | 1.00 | 2.00 | 2.00 | 2.00 | 2.40 | 2.70 |
| BB- | $5,000 | Z | Z | 2.00 | 3.00 | 3.00 | 3.00 | 3.40 | 3.70 | |
| Police CU | BBB | $500 | 2.80 | 3.20 | 3.20 | 3.30 | 3.60 |
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 | B+ | $1,000 | Z | Z | 0.70 | 2.70 | 3.25 | 3.40 | ||
| FE Investments | B | $5,000 | Q | Q | 5.50 | |||||
| Finance Direct | $1,000 | Q | Q | 2.25 | ||||||
| Fisher & Paykel Finance | BB | $1,000 | Q | Q | 3.30 | 3.85 | 3.95 | |||
| BB | $25,000 | Q | Q | 3.45 | 4.00 | 4.10 | ||||
| General Finance | $5,000 | Q | Q | 2.50 | ||||||
| Gold Band Finance | $5,000 | Q | Q | 2.00 | 2.00 | |||||
 | 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 | 3.75 |
| BBB | $100,000 | Z | Z | 2.05 | 2.75 | 3.00 | 3.30 | 3.50 | 3.75 |
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 |