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 | 2.25 | 3.55 | 3.65 | 3.90 | 4.05 | 3.95 | |||
| ASB | AA- | $5,000 | Z | Y | 2.20 | 3.50 | 3.70 | 3.85 | 4.00 | 3.95 | |||
| AA- | $10,000 | Q | Y | 2.20 | 3.50 | 3.70 | 3.85 | 4.00 | 3.95 | ||||
 | AA- | $2,000 | Z | Z | 2.25 | 3.50 | 3.70 | 3.80 | 4.00 | 3.95 | |||
| AA- | $2,000 | Z | Z | ||||||||||
| AA- | $2,000 | M | M | 3.50 | 3.70 | 3.80 | 4.00 | 3.95 | |||||
| Bank of Baroda | BBB- | $1,000 | M | M | 2.60 | 3.75 | 3.90 | 3.95 | 4.00 | 4.00 | |||
| Bank of China | A | $100,000 | Z | Z | 2.75 | 3.90 | 4.00 | 4.10 | 4.25 | 4.10 | |||
| Bank of India | BB+ | $5,000 | M | Y | 2.20 | 3.50 | 3.65 | 3.85 | 3.90 | 3.95 | |||
| China Construction Bank | A | $100,000 | Z | Z | 2.75 | 3.75 | 3.85 | 4.15 | 4.25 | 4.20 | |||
| Co-operative Bank | BBB+ | $2,000 | Q | Q | 2.30 | 3.55 | 4.05 | 4.05 | |||||
| BBB+ | $5,000 | Q | Q | 2.30 | 3.55 | 4.10 | 4.05 | ||||||
| BBB+ | $5,000 | Q | Z | 4.10 | |||||||||
| Heartland Bank | BBB | $1,000 | Q | Q | 2.50 | 3.65 | 3.80 | 4.20 | 4.30 | 4.20 | |||
 | A | $5,000 | Z | Z | 2.60 | 3.70 | 3.80 | 4.05 | 4.20 | 4.15 | |||
| A | $10,000 | Z | Z | 2.70 | 3.80 | 3.90 | 4.15 | 4.30 | 4.25 | ||||
 | A1 | $1,000 | Z | Z | 3.50 | 3.70 | 3.95 | 4.10 | 4.00 | ||||
| A1 | $5,000 | Z | Z | 2.30 | 3.50 | 3.70 | 3.95 | 4.10 | 4.00 | ||||
| Kookmin | A | $5,000 | Z | Z | 2.60 | 4.10 | 4.10 | 4.50 | 5.00 | 4.90 | |||
| A | $10,000 | Z | Z | 2.70 | 4.20 | 4.20 | 4.60 | 5.10 | 5.00 | ||||
| A | $50,000 | Z | Z | 2.70 | 4.20 | 4.20 | 4.60 | 5.10 | 5.00 | ||||
| A | $100,000 | Z | Z | 2.70 | 4.20 | 4.20 | 4.60 | 5.30 | 5.10 | ||||
 | A | $1,000 | Z | A | 2.35 | 3.80 | 4.15 | 4.10 | |||||
 | BBB | $1,000 | Q | Q | 2.25 | 3.55 | 3.70 | 3.90 | 4.00 | 4.00 | |||
| BBB | $1,000 | Z | Z | 4.00 | 4.00 | ||||||||
 | BBB+ | $1,000 | Z | S | 2.50 | 3.55 | 3.65 | 3.90 | 3.95 | 3.95 | |||
 | AA- | $5,000 | Q | Q | 2.20 | 3.55 | 3.65 | 3.90 | 4.00 | 4.00 | |||
| AA- | $5,000 | Z | Z | 8 months =
4.25
| |||||||||
Non-bank Deposit Takers
Licensed by the RBNZ, to be covered by the Deposit Compensation Scheme. More here.
| Institution | Credit Rating | Minimum Deposit | Credit | Paid | 1 mth | 3 mths | 4 mths | 5 mths | 6 mths | 9 mths | |||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Christian Savings | BB+ | $1,000 | S | S | 2.50 | 3.65 | 4.15 | 4.10 | |||||
| Finance Direct | $1,000 | Q | Q | 3.95 | |||||||||
| First CU | BB | $500 | 4.00 | 4.25 | 4.25 | ||||||||
| General Finance | BB | $2,000 | Q | Q | 4.00 | 4.10 | 4.20 | 5.25 | 5.40 | ||||
| Gold Band Finance | BB- | $5,000 | Q | Q | 3.75 | 3.75 | |||||||
| Heretaunga Bldg Socy | $1 | 3.90 | 4.35 | ||||||||||
| Liberty Financial | BBB | $5,000 | Q | Q | 3.95 | 5.15 | 5.15 | ||||||
| Nelson Bldg Society | BB+ | $5,000 | 1.95 | 3.25 | 3.75 | 3.65 | |||||||
| Police CU | BB+ | $500 | 3.55 | 3.70 | 3.95 | 4.05 | 4.00 | ||||||
| BB+ | $500 | 8 months =
4.00
Membership Criteria apply
| |||||||||||
| UnityMoney | BB | $1,000 | 2.25 | 3.50 | 3.65 | 3.80 | 3.85 | 3.85 | |||||
| Wairarapa Bldg Society | BB+ | $2,000 | 3.80 | 3.80 | 4.15 | 4.10 | |||||||
| Xceda Finance | B+ | $2,500 | Q | Q | 6.00 | 5.80 | |||||||
Fund/Wealth Managers
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 | 3.50 |