Rates provided by Good returns.
Last updated Fri 30 July 2010.

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
Allied Nationwide Finance	NR	-	8.75%	9.25%	9.25%
ANZ	AA (S&P)	3.50%	5.20%	5.50%	6.00%
ASB	AA (S&P)	3.00%	3.00%	3.00%	3.00%
Baywide	NR	4.00%	5.50%	6.00%	6.50%
BNZ	AA (S&P)	2.50%	3.00%	3.00%	3.00%
CBS Canterbury	NR	4.75%	5.40%	5.60%	6.25%
Equitable Mortgages Limited	BB+ (S&P)	3.00%	6.00%	6.25%	6.50%
Fisher and Paykel Finance	NR	5.00%	6.75%	8.00%	8.00%
Heretaunga BS	NR	4.25%	5.20%	-	-
Kiwibank	AA- (S&P)	3.75%	5.20%	5.50%	6.00%
MARAC	BBB- (S&P)	5.25%	7.00%	8.25%	8.50%
National	AA (S&P)	3.50%	5.20%	5.50%	6.00%
Nelson BS	NR	4.10%	5.45%	5.55%	6.20%
PGG Wrightsons Finance Limited	NR	4.45%	5.95%	6.80%	7.20%
PSIS	BB+ (S&P)	3.75%	4.50%	5.75%	6.25%
RaboPlus	AAA (S&P)	3.60%	5.60%	5.50%	6.00%
SBS Bank	BBB (Fitch)	4.00%	5.25%	5.50%	5.50%
South Canterbury	BBB- (S&P)	5.00%	8.75%	9.25%	9.50%
Southern Cross	NR	4.50%	5.30%	5.60%	6.10%
TSB	BBB (S&P)	3.50%	4.50%	5.10%	5.25%
UDC	AA (S&P)	3.75%	4.80%	5.75%	6.25%
Wairarapa BS	NR	3.00%	3.00%	-	-

Rates for $10,000

Company	Rating^B	3 month return	1 year return	2 year return	3 year return
Allied Nationwide Finance	NR	-	8.75%	9.25%	9.25%
ANZ	AA (S&P)	3.50%	5.20%	5.50%	6.00%
ASB	AA (S&P)	3.75%	5.30%	5.50%	5.75%
Baywide	NR	4.00%	5.50%	6.00%	6.50%
BNZ	AA (S&P)	3.40%	4.40%	5.15%	5.65%
CBS Canterbury	NR	4.75%	5.40%	5.60%	6.25%
Equitable Mortgages Limited	BB+ (S&P)	3.00%	6.00%	6.25%	6.50%
Fisher and Paykel Finance	NR	5.00%	6.75%	8.00%	8.00%
Heretaunga BS	NR	4.25%	5.20%	-	-
Kiwibank	AA- (S&P)	3.75%	5.20%	5.50%	6.00%
MARAC	BBB- (S&P)	5.25%	7.00%	8.25%	8.50%
National	AA (S&P)	3.50%	5.20%	5.50%	6.00%
Nelson BS	NR	4.10%	5.45%	5.55%	6.20%
PGG Wrightsons Finance Limited	NR	4.65%	6.15%	7.00%	7.40%
PSIS	BB+ (S&P)	3.75%	5.25%	5.75%	6.25%
RaboPlus	AAA (S&P)	3.60%	5.60%	5.50%	6.00%
SBS Bank	BBB (Fitch)	4.00%	5.25%	5.50%	5.50%
South Canterbury	BBB- (S&P)	5.00%	8.75%	9.25%	9.50%
Southern Cross	NR	4.50%	5.30%	5.60%	6.10%
TSB	BBB (S&P)	3.75%	5.35%	5.50%	6.00%
UDC	AA (S&P)	3.75%	4.80%	5.75%	6.25%
Wairarapa BS	NR	4.55%	5.20%	-	-

Rates for $50,000

Company	Rating^C	3 month return	1 year return	2 year return	3 year return
Allied Nationwide Finance	NR	-	8.75%	9.25%	9.25%
ANZ	AA (S&P)	3.50%	5.20%	5.50%	6.00%
ASB	AA (S&P)	3.75%	5.30%	5.50%	5.75%
Baywide	NR	4.00%	5.50%	6.00%	6.50%
BNZ	AA (S&P)	3.45%	4.45%	5.20%	5.70%
CBS Canterbury	NR	4.75%	5.40%	5.60%	6.25%
Equitable Mortgages Limited	BB+ (S&P)	3.00%	6.00%	6.25%	6.50%
Fisher and Paykel Finance	NR	5.00%	6.75%	8.00%	8.00%
Heretaunga BS	NR	4.25%	5.20%	-	-
Kiwibank	AA- (S&P)	3.75%	5.20%	5.50%	6.00%
MARAC	BBB- (S&P)	5.25%	7.00%	8.25%	8.50%
National	AA (S&P)	3.50%	5.20%	5.50%	6.00%
Nelson BS	NR	4.10%	5.45%	5.55%	6.20%
PGG Wrightsons Finance Limited	NR	4.65%	6.15%	7.00%	7.40%
PSIS	BB+ (S&P)	3.75%	5.25%	5.75%	6.25%
RaboPlus	AAA (S&P)	3.60%	5.60%	5.50%	6.00%
SBS Bank	BBB (Fitch)	4.00%	5.25%	5.50%	5.50%
South Canterbury	BBB- (S&P)	5.00%	8.75%	9.25%	9.50%
Southern Cross	NR	4.50%	5.30%	5.60%	6.10%
TSB	BBB (S&P)	3.75%	5.35%	5.50%	6.00%
UDC	AA (S&P)	3.75%	4.80%	5.75%	6.25%
Wairarapa BS	NR	4.55%	5.20%	-	-

Rates for $100,000

Company	Rating^D	3 month return	1 year return	2 year return	3 year return
Allied Nationwide Finance	NR	-	8.75%	9.25%	9.25%
ANZ	AA (S&P)	3.50%	5.20%	5.50%	6.00%
ASB	AA (S&P)	3.75%	5.30%	5.50%	5.75%
Baywide	NR	4.00%	5.50%	6.00%	6.50%
BNZ	AA (S&P)	3.50%	4.50%	5.25%	5.75%
CBS Canterbury	NR	4.75%	5.40%	5.60%	6.25%
Equitable Mortgages Limited	BB+ (S&P)	3.00%	6.00%	6.25%	6.50%
Fisher and Paykel Finance	NR	5.00%	6.75%	8.00%	8.00%
Heretaunga BS	NR	4.25%	5.20%	-	-
Kiwibank	AA- (S&P)	3.75%	5.20%	5.50%	6.00%
MARAC	BBB- (S&P)	5.25%	7.00%	8.25%	8.50%
National	AA (S&P)	3.50%	5.20%	5.50%	6.00%
Nelson BS	NR	4.10%	5.45%	5.55%	6.20%
PGG Wrightsons Finance Limited	NR	4.75%	6.25%	7.10%	7.50%
PSIS	BB+ (S&P)	3.75%	5.25%	5.75%	6.25%
RaboPlus	AAA (S&P)	3.60%	5.60%	5.50%	6.00%
SBS Bank	BBB (Fitch)	4.00%	5.25%	5.50%	5.50%
South Canterbury	BBB- (S&P)	5.00%	8.75%	9.25%	9.50%
Southern Cross	NR	4.50%	5.30%	5.60%	6.10%
TSB	BBB (S&P)	3.75%	5.35%	5.50%	6.00%
UDC	AA (S&P)	3.75%	4.80%	5.75%	6.25%
Wairarapa BS	NR	4.55%	5.20%	-	-

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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