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 | Y | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.90 | |||
| AA- | $10,000 | Z | Y | 8 months =
2.85
| |||||||||
| ASB | AA- | $5,000 | Z | Y | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.95 | |||
| AA- | $10,000 | Q | Y | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.95 | ||||
| Bank of Baroda | BBB- | $1,000 | M | M | 0.65 | 1.05 | 1.30 | 1.50 | 2.40 | 2.75 | |||
| BBB- | $10,000 | M | M | 0.65 | 1.05 | 1.30 | 1.50 | 2.40 | 2.75 | ||||
| Bank of China | A | $100,000 | Z | Z | 1.20 | 2.00 | 2.20 | 2.50 | 3.05 | 3.25 | |||
| Bank of India | BB+ | $5,000 | M | Y | 0.75 | 0.80 | 0.90 | 0.90 | 1.25 | 1.60 | |||
 | AA- | $2,000 | Z | Z | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.90 | |||
| AA- | $2,000 | Q | Q | ||||||||||
| AA- | $2,000 | M | M | 1.50 | 1.80 | 2.20 | 2.75 | 2.90 | |||||
| China Construction Bank | A | $100,000 | Z | Z | 1.75 | 2.30 | 2.40 | 2.70 | 3.40 | 3.60 | |||
| Co-operative Bank | BBB | $2,000 | Q | Q | 0.70 | 1.50 | 2.70 | 2.95 | |||||
| BBB | $5,000 | Q | Z | 2.75 | |||||||||
| BBB | $10,000 | Q | Q | 0.70 | 1.50 | 2.75 | 2.95 | ||||||
| Heartland Bank | BBB | $1,000 | Q | Q | 0.70 | 2.70 | 1.80 | 3.40 | 3.45 | ||||
| BBB | $1,000 | Z | Z | 2 months =
1.00
Invest in Heartland to invest in New Zealand
| |||||||||
| HSBC | AA- | $1 | Z | Z | 0.65 | 1.25 | 1.45 | 1.75 | 2.05 | 2.20 | |||
| AA- | $10,000 | Z | Z | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.90 | ||||
 | A | $5,000 | Z | Z | 1.25 | 1.90 | 1.90 | 2.05 | 2.90 | 3.15 | |||
| A | $10,000 | Z | Z | 1.35 | 2.00 | 2.00 | 2.15 | 3.00 | 3.25 | ||||
 | A1 | $1,000 | Z | Z | 0.25 | 0.25 | 0.25 | 0.50 | 0.50 | ||||
| A1 | $5,000 | Z | Z | 0.60 | 1.40 | 1.75 | 2.15 | 2.75 | 2.90 | ||||
| A1 | $10,000 | Z | Z | 0.70 | 1.50 | 1.85 | 2.25 | 2.85 | 3.00 | ||||
| A1 | $10,000 | Z | Z | 200 days =
2.85
100 days =
1.50
| |||||||||
| Kookmin | A | $5,000 | Z | Z | 0.50 | 1.30 | 1.50 | 1.90 | 2.50 | 2.60 | |||
| A | $10,000 | Z | Z | 0.50 | 1.30 | 1.60 | 2.00 | 2.60 | 2.70 | ||||
| A | $50,000 | Z | Z | 0.60 | 1.40 | 1.70 | 2.10 | 2.70 | 2.80 | ||||
| A | $100,000 | Z | Z | 0.70 | 1.50 | 1.80 | 2.20 | 2.80 | 2.90 | ||||
 | A | $1,000 | Z | A | 1.00 | 2.15 | 3.20 | 3.40 | |||||
 | BBB | $1,000 | Q | Q | 1.50 | 1.80 | 1.80 | 2.75 | 2.90 | ||||
| BBB | $1,000 | Z | Z | 2.75 | 2.90 | ||||||||
 | A- | $5,000 | Z | S | 0.60 | 1.40 | 1.65 | 2.05 | 2.65 | 2.90 | |||
| A- | $10,000 | Z | S | 0.70 | 1.50 | 1.75 | 2.15 | 2.75 | 3.00 | ||||
 | AA- | $5,000 | Q | Q | 0.70 | 1.50 | 1.80 | 2.20 | 2.75 | 2.95 | |||
| AA- | $5,000 | Z | Z | 8 months =
2.85
| |||||||||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 1.50 | 2.75 | ||||||||||
| Nelson | BB+ | $5,000 | 0.70 | 1.50 | 2.75 | 2.90 | |||||||
| BB+ | $5,000 | 7 months =
1.80
| |||||||||||
| Wairarapa | BB+ | $10,000 | 1.20 | 1.50 | 2.30 | 2.50 | |||||||
Credit Unions
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| First CU | BB | $500 | 1.75 | 2.70 | 2.85 | |||||
| NZ Firefighters CU | $1,000 | 1.35 | 2.60 | 2.80 | ||||||
| NZCU Auckland | $500 | 0.60 | 1.50 | 1.55 | ||||||
| $10,000 | 0.60 | 1.50 | 1.70 | |||||||
| Police CU | BBB- | $500 | 1.55 | 1.85 | 2.25 | 2.80 | 2.95 | |||
| Unity | BB | $1,000 | 0.60 | 1.30 | 1.60 | 1.95 | 2.50 | 2.70 |
Finance Companies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Christian Savings | BB+ | $1,000 | Z | Z | 1.10 | 1.75 | 3.00 | 3.25 | ||
| Finance Direct | $1,000 | Q | Q | 1.25 | ||||||
| General Finance | BB- | $2,000 | 4.00 | 4.50 | ||||||
| Gold Band Finance | $5,000 | Q | Q | 2.00 | 2.25 | |||||
| Liberty Financial | BBB- | $5,000 | Q | Q | 2.45 | 2.90 | 2.95 | |||
| BBB- | $20,000 | Q | Q | 2.50 | 2.95 | 3.00 | ||||
| BBB- | $100,000 | Q | Q | 2.55 | 3.00 | 3.05 | ||||
| BBB- | $250,000 | Q | Q | 2.60 | 3.05 | 3.10 | ||||
| Xceda Finance | B | $2,500 | Q | Q | 4.20 | 4.50 |
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 | 2.00 |