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 | 0.15 | 0.35 | 0.45 | 0.55 | 0.80 | 0.90 | |||
| ASB | AA- | $5,000 | Z | Y | 0.15 | 0.35 | 0.45 | 0.55 | 0.80 | 0.80 | |||
| AA- | $10,000 | Q | Y | 0.15 | 0.35 | 0.45 | 0.55 | 0.80 | 0.80 | ||||
| Bank of Baroda | BBB- | $1,000 | M | M | 0.65 | 0.65 | 0.75 | 0.75 | 0.75 | 1.00 | |||
| BBB- | $10,000 | M | M | 0.65 | 0.65 | 0.75 | 0.75 | 0.75 | 1.00 | ||||
| Bank of China | A | $100,000 | Z | Z | 0.20 | 0.65 | 0.75 | 0.85 | 1.05 | 1.10 | |||
| Bank of India | BB+ | $5,000 | M | Y | 0.75 | 0.80 | 0.85 | 0.85 | 0.90 | 1.00 | |||
 | AA- | $2,000 | Z | Z | 0.15 | 0.35 | 0.45 | 0.60 | 0.80 | 0.90 | |||
| AA- | $2,000 | Q | Q | ||||||||||
| AA- | $2,000 | M | M | 0.35 | 0.45 | 0.60 | 0.80 | 0.90 | |||||
| China Construction Bank | A | $100,000 | Z | Z | 0.25 | 0.70 | 1.05 | 1.15 | |||||
| Co-operative Bank | BBB | $2,000 | Q | Q | 0.15 | 0.40 | 0.95 | 0.95 | |||||
| BBB | $5,000 | Q | Z | 1.00 | |||||||||
| BBB | $10,000 | Q | Q | 0.15 | 0.40 | 0.95 | 0.95 | ||||||
 | BBB | $1,000 | Q | Q | 0.15 | 0.40 | 0.45 | 1.00 | 0.90 | 0.90 | |||
| 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 | 0.25 | 0.35 | 0.60 | 0.60 | ||||
| AA- | $100,000 | Z | Z | 0.10 | 0.35 | 0.45 | 0.55 | 0.80 | 0.80 | ||||
 | A | $5,000 | Z | Z | 0.10 | 0.35 | 0.50 | 0.55 | 0.80 | 0.85 | |||
| A | $10,000 | Z | Z | 0.15 | 0.40 | 0.55 | 0.60 | 0.85 | 0.90 | ||||
| A | $50,000 | Z | Z | 0.20 | 0.45 | 0.60 | 0.65 | 0.90 | 0.95 | ||||
 | A | $1,000 | Z | Z | 0.25 | 0.25 | 0.25 | 0.50 | 0.50 | ||||
| A | $5,000 | Z | Z | 0.10 | 0.25 | 0.35 | 0.50 | 0.90 | 0.70 | ||||
| A | $10,000 | Z | Z | 0.15 | 0.35 | 0.45 | 0.60 | 1.00 | 0.80 | ||||
| A | $10,000 | Z | Z | 200 days =
0.80
100 days =
0.40
| |||||||||
| Kookmin | A | $5,000 | Z | Z | 0.10 | 0.30 | 0.30 | 0.30 | 0.50 | 0.50 | |||
| A | $10,000 | Z | Z | 0.10 | 0.30 | 0.40 | 0.40 | 0.60 | 0.60 | ||||
| A | $50,000 | Z | Z | 0.10 | 0.30 | 0.50 | 0.50 | 0.70 | 0.70 | ||||
| A | $100,000 | Z | Z | 0.10 | 0.40 | 0.60 | 0.60 | 0.80 | 0.80 | ||||
 | A | $1,000 | Z | A | 0.20 | 0.25 | 1.00 | 1.00 | |||||
 | BBB | $1,000 | Q | Q | 0.40 | 0.50 | 0.50 | 0.90 | 1.00 | ||||
| BBB | $1,000 | Q | Q | ||||||||||
| BBB | $1,000 | Z | Z | 0.90 | 1.10 | ||||||||
| TSB Bank | A- | $5,000 | Z | S | 0.05 | 0.25 | 0.35 | 0.45 | 0.70 | 0.80 | |||
| A- | $10,000 | Z | S | 0.15 | 0.35 | 0.45 | 0.55 | 0.80 | 0.90 | ||||
 | AA- | $5,000 | M | M | 0.15 | 0.35 | 0.45 | 0.60 | 0.80 | 1.10 | |||
| AA- | $5,000 | Z | Z | 8 months =
0.80
| |||||||||
Building Societies
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths |
|---|---|---|---|---|---|---|---|---|---|---|
| Heretaunga | $1 | 0.40 | 0.80 | |||||||
| Nelson | BB+ | $5,000 | 0.15 | 0.45 | 0.85 | 0.85 | ||||
| Wairarapa | BB+ | $2,000 | 0.40 | 0.45 | 0.60 | 0.65 | ||||
| BB+ | $10,000 | Z | Z | 0.40 | 0.50 | 0.85 | 0.90 |
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 | 0.40 | 0.45 | 0.55 | 0.80 | 0.80 | |
| First CU | BB | $500 | 0.75 | 1.10 | 1.15 | |||||
| NZ Firefighters CU | $1,000 | 0.40 | 1.00 | 1.00 | ||||||
| NZCU Auckland | $500 | 0.60 | 1.05 | 1.05 | ||||||
| $10,000 | 0.60 | 1.10 | 1.10 | |||||||
| NZCU Baywide | BB | $1,000 | 0.15 | 0.40 | 0.45 | 0.55 | 0.80 | 0.80 | ||
| NZCU Central | BB | $500 | 0.15 | 0.40 | 0.45 | 0.55 | 0.80 | 0.80 | ||
| NZCU Employees | $500 | 0.35 | 0.75 | |||||||
| NZCU South | BB | $1,000 | Z | Z | 0.15 | 0.40 | 0.45 | 0.55 | 0.80 | 0.80 |
| Police CU | BBB- | $500 | 0.45 | 0.55 | 0.65 | 0.95 | 0.95 |
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 | 2.50 | |||||
| Christian Savings | BB | $1,000 | Z | Z | 0.30 | 0.50 | 0.80 | 0.90 | ||
| Finance Direct | $1,000 | Q | Q | 1.30 | ||||||
| General Finance | BB- | $2,000 | 2.60 | 3.15 | ||||||
| Gold Band Finance | $5,000 | Q | Q | 1.50 | 1.50 | |||||
| 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 |