Term deposits 1 to 9 months

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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	0.15	0.40	0.60	0.65	1.00	1.00
ASB	AA-	$5,000	Z	Y	0.15	0.40	0.55	0.60	0.95	0.90
	AA-	$10,000	Q	Y	0.15	0.40	0.55	0.60	0.95	0.90
Bank of Baroda	BBB-	$1,000	M	M	0.80	0.80	0.85	0.90	1.25	1.25
	BBB-	$10,000	M	M	0.80	0.80	0.85	0.90	1.25	1.25
Bank of China	A	$100,000	Z	Z	0.30	0.90	1.00	1.10	1.50	1.50
Bank of India	BB+	$5,000	M	Y	0.80	0.85	1.00	1.00	1.50	1.60
	AA-	$2,000	Z	Z	0.15	0.40	0.65	0.60	0.95	0.90
	AA-	$2,000	M	M		0.40	0.65	0.60	0.95	0.90
Co-operative Bank	BBB	$2,000	Q	Q	0.15	0.45			0.95	1.00
	BBB	$5,000	Q	Z					1.00
	BBB	$10,000	Q	Q	0.15	0.45			0.95	1.00
	BBB	$1,000	Q	Q	0.15	0.60	0.60		1.40	1.35
HSBC	AA-	$5,000	Z	Z	0.05	0.05	0.10	0.10	0.10	0.10
	AA-	$10,000	Z	Z	0.07	0.10	0.55	0.60	0.80	0.80
	AA-	$100,000	Z	Z	0.10	0.50	0.75	0.80	1.00	1.00
	A	$5,000	Z	Z	0.10	0.40	0.60	0.65	0.95	0.95
	A	$10,000	Z	Z	0.15	0.45	0.65	0.70	1.00	1.00
	A	$50,000	Z	Z	0.20	0.50	0.70	0.75	1.05	1.05
Kiwibank	A	$1,000	Z	Z		0.25	0.25	0.25	0.50	0.50
	A	$5,000	Z	Z	0.10	0.35	0.55	0.65	0.95	0.90
	A	$10,000	Z	Z	0.15	0.45	0.65	0.75	1.05	1.00
Kookmin	A	$5,000	Z	Z	0.10	0.50	0.70	0.80	1.10	1.10
	A	$10,000	Z	Z	0.10	0.60	0.80	0.90	1.20	1.20
	A	$50,000	Z	Z	0.10	0.70	0.90	1.00	1.30	1.30
	A	$100,000	Z	Z	0.10	0.80	1.00	1.10	1.40	1.40
	A	$1,000	Z	A	0.20	0.50			1.25	1.25
	BBB	$1,000	Q	Q		0.45	0.60	0.60	1.05	1.05
	BBB	$1,000	Q	Q	8 months = 1.05
	BBB	$1,000	Z	Z					1.05	1.05
TSB Bank	A-	$5,000	Z	S	0.05	0.30	0.50	0.55	0.95	0.95
	A-	$10,000	Z	S	0.15	0.40	0.60	0.65	1.05	1.05
	AA-	$5,000	M	M	0.15	0.40	0.55	0.65	0.90	0.90
	AA-	$5,000	Z	Z	8 months = 0.95

Building Societies

Institution	Credit Rating	Minimum Deposit	Credit	Paid	1 mth	3 mths	4 mths	6 mths	9 mths
Heretaunga		$1				0.85		1.40
Nelson	BB+	$5,000			0.20	0.60		1.15	1.15
Wairarapa	BB+	$2,000				0.60	0.80	0.85	0.90
	BB+	$10,000	Z	Z		0.60	0.80	1.20	1.25

Credit Unions

Institution	Credit Rating	Minimum Deposit	Credit	Paid	1 mth	3 mths	4 mths	5 mths	6 mths	9 mths
Aotearoa Credit Union	BB	$500		N	0.15	0.60	0.75	0.85	1.40	1.40
First CU	BB	$500				0.85			1.40	1.40
NZ Firefighters CU		$1,000				0.40			1.00	1.00
NZCU Auckland		$500				0.75			1.50	1.50
		$10,000				0.75			1.55	1.55
NZCU Baywide	BB	$1,000			0.15	0.60	0.75	0.85	1.40	1.40
NZCU Central	BB	$500			0.15	0.60	0.75	0.85	1.40	1.40
NZCU Employees		$10,000				1.10			1.85	1.85
NZCU South	BB	$1,000	Z	Z	0.15	0.60	0.75	0.85	1.40	1.40
Police CU	BBB	$500				0.50	0.65	0.80	1.20	1.25

Finance Companies

Institution	Credit Rating	Minimum Deposit	Credit	Paid	1 mth	3 mths	6 mths	9 mths
Asset Finance	B-	$500	Q	Q				2.50
Christian Savings	BB	$1,000	Z	Z	0.30	0.50	1.17	1.20
Finance Direct		$1,000	Q	Q			2.25
General Finance	BB-	$2,000					2.40	2.95
Gold Band Finance		$5,000	Q	Q			2.00	2.00
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

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					0.10

Term deposits 1 to 9 months

Banks

Building Societies

Credit Unions

Finance Companies

Crown Companies

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