Rates provided by Good returns.
Last updated Mon 06 February 2012.

Term deposit rates

We provide the latest term deposit rates from banks and a range of other institutions. And before you invest, check out our full guide to term investments.

Rates for $5,000

Company	Rating^A	3 month return	1 year return	2 year return	3 year return
ANZ	AA (S&P)	-	-	-	-
ASB	AA (S&P)	3.00%	3.00%	3.00%	3.00%
Baywide	NR	3.75%	4.75%	5.50%	5.75%
BNZ	AA (S&P)	3.50%	4.50%	4.75%	5.10%
CBS Canterbury	NR	4.75%	5.75%	6.05%	6.35%
Fisher and Paykel Finance	NR	5.50%	7.00%	7.20%	7.25%
Kiwibank	AA- (S&P)	3.25%	4.40%	4.70%	4.90%
National	AA (S&P)	-	-	-	-
Nelson BS	NR	3.50%	4.40%	4.80%	5.00%
RaboDirect	AAA (S&P)	3.70%	4.60%	5.00%	5.20%
SBS Bank	BBB (Fitch)	3.50%	4.40%	4.80%	5.00%
TSB	BBB (S&P)	3.25%	4.20%	4.65%	4.90%
UDC	AA (S&P)	3.65%	4.50%	4.80%	5.10%
Wairarapa BS	NR	4.00%	4.50%	-	-

Rates for $10,000

Company	Rating^B	3 month return	1 year return	2 year return	3 year return
ANZ	AA (S&P)	3.25%	4.40%	4.75%	5.00%
ASB	AA (S&P)	3.50%	4.30%	4.75%	5.00%
Baywide	NR	3.75%	4.75%	5.50%	5.75%
BNZ	AA (S&P)	3.50%	4.50%	4.75%	5.10%
CBS Canterbury	NR	4.75%	5.75%	6.05%	6.35%
Fisher and Paykel Finance	NR	5.50%	7.00%	7.20%	7.25%
Kiwibank	AA- (S&P)	3.30%	4.50%	4.80%	5.00%
National	AA (S&P)	3.25%	4.40%	4.75%	5.00%
Nelson BS	NR	3.50%	4.40%	4.80%	5.00%
RaboDirect	AAA (S&P)	3.70%	4.60%	5.00%	5.20%
SBS Bank	BBB (Fitch)	3.50%	4.40%	4.80%	5.00%
TSB	BBB (S&P)	3.50%	4.35%	4.75%	5.10%
UDC	AA (S&P)	3.65%	4.50%	4.80%	5.10%
Wairarapa BS	NR	4.00%	4.50%	-	-

Rates for $50,000

Company	Rating^C	3 month return	1 year return	2 year return	3 year return
ANZ	AA (S&P)	3.25%	4.40%	4.75%	5.00%
ASB	AA (S&P)	3.50%	4.30%	4.75%	5.00%
Baywide	NR	3.75%	4.75%	5.50%	5.75%
BNZ	AA (S&P)	3.50%	4.50%	4.75%	5.10%
CBS Canterbury	NR	4.75%	5.75%	6.15%	6.45%
Fisher and Paykel Finance	NR	5.75%	7.25%	7.45%	7.50%
Kiwibank	AA- (S&P)	3.30%	4.50%	4.80%	5.00%
National	AA (S&P)	3.25%	4.40%	4.75%	5.00%
Nelson BS	NR	3.50%	4.40%	4.80%	5.00%
RaboDirect	AAA (S&P)	3.70%	4.60%	5.00%	5.20%
SBS Bank	BBB (Fitch)	3.50%	4.40%	4.80%	5.00%
TSB	BBB (S&P)	3.50%	4.35%	4.75%	5.10%
UDC	AA (S&P)	3.65%	4.50%	4.80%	5.10%
Wairarapa BS	NR	4.00%	4.50%	-	-

Rates for $100,000

Company	Rating^D	3 month return	1 year return	2 year return	3 year return
ANZ	AA (S&P)	3.25%	4.40%	4.75%	5.00%
ASB	AA (S&P)	3.50%	4.30%	4.75%	5.00%
Baywide	NR	3.75%	4.75%	5.50%	5.75%
BNZ	AA (S&P)	3.50%	4.50%	4.75%	5.10%
CBS Canterbury	NR	4.75%	5.75%	6.15%	6.45%
Fisher and Paykel Finance	NR	5.75%	7.25%	7.45%	7.50%
Kiwibank	AA- (S&P)	3.30%	4.50%	4.80%	5.00%
National	AA (S&P)	3.25%	4.40%	4.75%	5.00%
Nelson BS	NR	3.50%	4.40%	4.80%	5.00%
RaboDirect	AAA (S&P)	3.70%	4.60%	5.00%	5.20%
SBS Bank	BBB (Fitch)	3.50%	4.40%	4.80%	5.00%
TSB	BBB (S&P)	3.50%	4.35%	4.75%	5.10%
UDC	AA (S&P)	3.65%	4.50%	4.90%	5.20%
Wairarapa BS	NR	4.00%	4.50%	-	-

Notes:

Credit ratings give an independent opinion of a company's ability to meet its financial commitments in full and on time. Look for a rating that is "investment grade" and from an internationally recognised agency. "Investment grade" ratings are at least BBB- (Standard & Poor's), Baa3 (Moody's), BBB- (Fitch). NR = Not currently rated.
Competitive rates are also available through high interest on-call savings accounts - check our bank accounts database for details.

Important

Like you, we can't predict the future - which means we can't guarantee the performance of any company or investment. Consumer NZ does not endorse any specific company, scheme or investment. ConsumerSaver is a good starting point - but, before you commit, we strongly suggest you seek independent financial advice. See our full disclaimer.

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