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Savings Account Rates

Compare interest rates across banks, non-bank deposit takers, and PIE funds. Data current as of September 2025.

Squirrel Money

P2P Lending (Personal) • Fund Managers

Gross Rate 7.75%
Min Deposit $100
Credit Rating N/A
5Y Balance $13,119
10Y Balance $17,211
Squirrel Money

P2P Lending (Managed Fund, 1y return) • Fund Managers

Gross Rate 6.90%
Min Deposit $100
Credit Rating N/A
5Y Balance $12,743
10Y Balance $16,239
Squirrel Money

P2P Lending (Construction) • Fund Managers

Gross Rate 5.75%
Min Deposit $100
Credit Rating N/A
5Y Balance $12,249
10Y Balance $15,003
Squirrel Money

P2P Lending (Home) • Fund Managers

Gross Rate 5.25%
Min Deposit $100
Credit Rating N/A
5Y Balance $12,038
10Y Balance $14,492
Xceda Finance

TD, 9 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 4.10%
Min Deposit $2,500
Credit Rating B+
5Y Balance $11,451
10Y Balance $13,113
Xceda Finance

TD, 6 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 4.05%
Min Deposit $2,500
Credit Rating B+
5Y Balance $11,432
10Y Balance $13,070
General Finance

TD, 9 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.90%
Min Deposit $2,000
Credit Rating BB
5Y Balance $11,377
10Y Balance $12,943
Bank of Baroda

TD, 9 months term (M/M) • Banks

Gross Rate 3.80%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $11,339
10Y Balance $12,858
First CU

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.80%
Min Deposit $500
Credit Rating BB
5Y Balance $11,339
10Y Balance $12,858
First CU

TD, 9 months term (/) • Non-bank Deposit Takers

Gross Rate 3.80%
Min Deposit $500
Credit Rating BB
5Y Balance $11,339
10Y Balance $12,858
General Finance

TD, 6 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.80%
Min Deposit $2,000
Credit Rating BB
5Y Balance $11,339
10Y Balance $12,858
Xceda Finance

Notice Saver 90 days • Non-bank Deposit Takers

Gross Rate 3.75%
Min Deposit $100
Credit Rating B+
5Y Balance $11,321
10Y Balance $12,816
RaboBank

TD, 6 months term (Z/A) • Banks

Gross Rate 3.75%
Min Deposit $1,000
Credit Rating A
5Y Balance $11,321
10Y Balance $12,816
Liberty Financial

TD, 9 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.75%
Min Deposit $5,000
Credit Rating BBB
5Y Balance $11,321
10Y Balance $12,816
Bank of Baroda

TD, 6 months term (M/M) • Banks

Gross Rate 3.70%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $11,302
10Y Balance $12,775
Bank of India

TD, 6 months term (M/Y) • Banks

Gross Rate 3.70%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,302
10Y Balance $12,775
Bank of India

TD, 9 months term (M/Y) • Banks

Gross Rate 3.70%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,302
10Y Balance $12,775
Heartland Bank

TD, 5 months term (Q/Q) • Banks

Gross Rate 3.70%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,302
10Y Balance $12,775
ICBC

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.70%
Min Deposit $10,000
Credit Rating A
5Y Balance $11,302
10Y Balance $12,775
Kiwibank

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.70%
Min Deposit $1,000
Credit Rating A1
5Y Balance $11,302
10Y Balance $12,775
Kiwibank

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.70%
Min Deposit $5,000
Credit Rating A1
5Y Balance $11,302
10Y Balance $12,775
Heretaunga Bldg Socy

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.70%
Min Deposit $1
Credit Rating N/A
5Y Balance $11,302
10Y Balance $12,775
Liberty Financial

TD, 6 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.70%
Min Deposit $5,000
Credit Rating BBB
5Y Balance $11,302
10Y Balance $12,775
Bank of Baroda

TD, 5 months term (M/M) • Banks

Gross Rate 3.65%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $11,284
10Y Balance $12,733
Christian Savings

TD, 6 months term (S/S) • Non-bank Deposit Takers

Gross Rate 3.65%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $11,284
10Y Balance $12,733
General Finance

TD, 5 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.65%
Min Deposit $2,000
Credit Rating BB
5Y Balance $11,284
10Y Balance $12,733
Heartland Bank

TD, 6 months term (Q/Q) • Banks

Gross Rate 3.60%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,266
10Y Balance $12,691
ICBC

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.60%
Min Deposit $5,000
Credit Rating A
5Y Balance $11,266
10Y Balance $12,691
RaboBank

TD, 9 months term (Z/A) • Banks

Gross Rate 3.60%
Min Deposit $1,000
Credit Rating A
5Y Balance $11,266
10Y Balance $12,691
Christian Savings

TD, 9 months term (S/S) • Non-bank Deposit Takers

Gross Rate 3.60%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $11,266
10Y Balance $12,691
Kernel Wealth

Cash Fund, yield as of (30 September 2025) • Fund Managers

Gross Rate 3.33%
Min Deposit $1
Credit Rating N/A
5Y Balance $11,258
10Y Balance $12,674
BNZ

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.55%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,247
10Y Balance $12,650
BNZ

TD, 6 months term (M/M) • Banks

Gross Rate 3.55%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,247
10Y Balance $12,650
Heartland Bank

TD, 9 months term (Q/Q) • Banks

Gross Rate 3.55%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,247
10Y Balance $12,650
ICBC

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.55%
Min Deposit $10,000
Credit Rating A
5Y Balance $11,247
10Y Balance $12,650
SBS Bank

TD, 6 months term (Q/Q) • Banks

Gross Rate 3.55%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,247
10Y Balance $12,650
SBS Bank

TD, 6 months term (Z/Z) • Banks

Gross Rate 3.55%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,247
10Y Balance $12,650
TSB Bank

TD, 6 months term (Z/S) • Banks

Gross Rate 3.55%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $11,247
10Y Balance $12,650
General Finance

TD, 4 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.55%
Min Deposit $2,000
Credit Rating BB
5Y Balance $11,247
10Y Balance $12,650
Police CU

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.55%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,247
10Y Balance $12,650
BNZ

TD, 7 months term (Z/Z) • Banks

Gross Rate 3.50%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,229
10Y Balance $12,609
Bank of Baroda

TD, 4 months term (M/M) • Banks

Gross Rate 3.50%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $11,229
10Y Balance $12,609
Bank of India

TD, 5 months term (M/Y) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,229
10Y Balance $12,609
Co-operative Bank

TD, 6 months term (Q/Q) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating BBB+
5Y Balance $11,229
10Y Balance $12,609
Co-operative Bank

TD, 6 months term (Q/Z) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating BBB+
5Y Balance $11,229
10Y Balance $12,609
Kiwibank

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.50%
Min Deposit $1,000
Credit Rating A1
5Y Balance $11,229
10Y Balance $12,609
Kiwibank

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating A1
5Y Balance $11,229
10Y Balance $12,609
TSB Bank

TD, 9 months term (Z/S) • Banks

Gross Rate 3.50%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $11,229
10Y Balance $12,609
Westpac

TD, 6 months term (Q/Q) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,229
10Y Balance $12,609
Westpac

TD, 8 months term (Z/Z) • Banks

Gross Rate 3.50%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,229
10Y Balance $12,609
Police CU

TD, 9 months term (/) • Non-bank Deposit Takers

Gross Rate 3.50%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,229
10Y Balance $12,609
Police CU

TD, 8 months term (/) • Non-bank Deposit Takers

Gross Rate 3.50%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,229
10Y Balance $12,609
ANZ

TD, 6 months term (Z/Y) • Banks

Gross Rate 3.45%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,210
10Y Balance $12,567
BNZ

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,210
10Y Balance $12,567
BNZ

TD, 9 months term (M/M) • Banks

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,210
10Y Balance $12,567
Co-operative Bank

TD, 6 months term (Q/Q) • Banks

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating BBB+
5Y Balance $11,210
10Y Balance $12,567
ICBC

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.45%
Min Deposit $5,000
Credit Rating A
5Y Balance $11,210
10Y Balance $12,567
ICBC

TD, 5 months term (Z/Z) • Banks

Gross Rate 3.45%
Min Deposit $10,000
Credit Rating A
5Y Balance $11,210
10Y Balance $12,567
SBS Bank

TD, 5 months term (Q/Q) • Banks

Gross Rate 3.45%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,210
10Y Balance $12,567
SBS Bank

TD, 9 months term (Q/Q) • Banks

Gross Rate 3.45%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,210
10Y Balance $12,567
SBS Bank

TD, 9 months term (Z/Z) • Banks

Gross Rate 3.45%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,210
10Y Balance $12,567
Westpac

TD, 9 months term (Q/Q) • Banks

Gross Rate 3.45%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,210
10Y Balance $12,567
General Finance

TD, 3 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating BB
5Y Balance $11,210
10Y Balance $12,567
Police CU

TD, 5 months term (/) • Non-bank Deposit Takers

Gross Rate 3.45%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,210
10Y Balance $12,567
Wairarapa Bldg Society

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating BB+
5Y Balance $11,210
10Y Balance $12,567
Wairarapa Bldg Society

TD, 9 months term (/) • Non-bank Deposit Takers

Gross Rate 3.45%
Min Deposit $2,000
Credit Rating BB+
5Y Balance $11,210
10Y Balance $12,567
ANZ

TD, 9 months term (Z/Y) • Banks

Gross Rate 3.40%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,192
10Y Balance $12,526
ASB

TD, 6 months term (Z/Y) • Banks

Gross Rate 3.40%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,192
10Y Balance $12,526
ASB

TD, 9 months term (Z/Y) • Banks

Gross Rate 3.40%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,192
10Y Balance $12,526
ASB

TD, 6 months term (Q/Y) • Banks

Gross Rate 3.40%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,192
10Y Balance $12,526
ASB

TD, 9 months term (Q/Y) • Banks

Gross Rate 3.40%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,192
10Y Balance $12,526
Bank of Baroda

TD, 3 months term (M/M) • Banks

Gross Rate 3.40%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $11,192
10Y Balance $12,526
Co-operative Bank

TD, 9 months term (Q/Q) • Banks

Gross Rate 3.40%
Min Deposit $2,000
Credit Rating BBB+
5Y Balance $11,192
10Y Balance $12,526
Co-operative Bank

TD, 9 months term (Q/Q) • Banks

Gross Rate 3.40%
Min Deposit $5,000
Credit Rating BBB+
5Y Balance $11,192
10Y Balance $12,526
Kiwibank

TD, 5 months term (Z/Z) • Banks

Gross Rate 3.40%
Min Deposit $1,000
Credit Rating A1
5Y Balance $11,192
10Y Balance $12,526
Kiwibank

TD, 5 months term (Z/Z) • Banks

Gross Rate 3.40%
Min Deposit $5,000
Credit Rating A1
5Y Balance $11,192
10Y Balance $12,526
TSB Bank

TD, 5 months term (Z/S) • Banks

Gross Rate 3.40%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $11,192
10Y Balance $12,526
First CU

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 3.40%
Min Deposit $500
Credit Rating BB
5Y Balance $11,192
10Y Balance $12,526
UnityMoney

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.40%
Min Deposit $1,000
Credit Rating BB
5Y Balance $11,192
10Y Balance $12,526
BNZ

TD, 5 months term (M/M) • Banks

Gross Rate 3.35%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,174
10Y Balance $12,485
ICBC

TD, 5 months term (Z/Z) • Banks

Gross Rate 3.35%
Min Deposit $5,000
Credit Rating A
5Y Balance $11,174
10Y Balance $12,485
ICBC

TD, 3 months term (Z/Z) • Banks

Gross Rate 3.35%
Min Deposit $10,000
Credit Rating A
5Y Balance $11,174
10Y Balance $12,485
ICBC

TD, 4 months term (Z/Z) • Banks

Gross Rate 3.35%
Min Deposit $10,000
Credit Rating A
5Y Balance $11,174
10Y Balance $12,485
UnityMoney

TD, 9 months term (/) • Non-bank Deposit Takers

Gross Rate 3.35%
Min Deposit $1,000
Credit Rating BB
5Y Balance $11,174
10Y Balance $12,485
ANZ

TD, 5 months term (Z/Y) • Banks

Gross Rate 3.30%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,155
10Y Balance $12,444
Heartland Bank

TD, 4 months term (Q/Q) • Banks

Gross Rate 3.30%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,155
10Y Balance $12,444
RaboBank

TD, 3 months term (Z/A) • Banks

Gross Rate 3.30%
Min Deposit $1,000
Credit Rating A
5Y Balance $11,155
10Y Balance $12,444
Westpac

TD, 5 months term (Q/Q) • Banks

Gross Rate 3.30%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,155
10Y Balance $12,444
Heretaunga Bldg Socy

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 3.30%
Min Deposit $1
Credit Rating N/A
5Y Balance $11,155
10Y Balance $12,444
UnityMoney

TD, 5 months term (/) • Non-bank Deposit Takers

Gross Rate 3.30%
Min Deposit $1,000
Credit Rating BB
5Y Balance $11,155
10Y Balance $12,444
UnityMoney

Kids Saver • Non-bank Deposit Takers

Gross Rate 3.25%
Min Deposit $1
Credit Rating BB
5Y Balance $11,137
10Y Balance $12,404
BNZ

TD, 5 months term (Z/Z) • Banks

Gross Rate 3.25%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,137
10Y Balance $12,404
Bank of India

TD, 4 months term (M/Y) • Banks

Gross Rate 3.25%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,137
10Y Balance $12,404
ICBC

TD, 3 months term (Z/Z) • Banks

Gross Rate 3.25%
Min Deposit $5,000
Credit Rating A
5Y Balance $11,137
10Y Balance $12,404
ICBC

TD, 4 months term (Z/Z) • Banks

Gross Rate 3.25%
Min Deposit $5,000
Credit Rating A
5Y Balance $11,137
10Y Balance $12,404
Westpac

TD, 4 months term (Q/Q) • Banks

Gross Rate 3.25%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,137
10Y Balance $12,404
Finance Direct

TD, 6 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 3.25%
Min Deposit $1,000
Credit Rating N/A
5Y Balance $11,137
10Y Balance $12,404
Wedge Money

Call • Fund Managers

Gross Rate 3.00%
Min Deposit $1
Credit Rating AA
5Y Balance $11,128
10Y Balance $12,383
Milford Asset Management

Cash Fund, yield as of (30 September 2025) • Fund Managers

Gross Rate 2.99%
Min Deposit $1,000
Credit Rating N/A
5Y Balance $11,124
10Y Balance $12,374
Heartland Bank

Notice Saver 90 days • Banks

Gross Rate 3.20%
Min Deposit $0
Credit Rating BBB
5Y Balance $11,119
10Y Balance $12,363
Heartland Bank

Notice Saver 90 days • Banks

Gross Rate 3.20%
Min Deposit $1
Credit Rating BBB
5Y Balance $11,119
10Y Balance $12,363
Heartland Bank

TD, 3 months term (Q/Q) • Banks

Gross Rate 3.20%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,119
10Y Balance $12,363
Kiwibank

TD, 3 months term (Z/Z) • Banks

Gross Rate 3.20%
Min Deposit $1,000
Credit Rating A1
5Y Balance $11,119
10Y Balance $12,363
Kiwibank

TD, 4 months term (Z/Z) • Banks

Gross Rate 3.20%
Min Deposit $1,000
Credit Rating A1
5Y Balance $11,119
10Y Balance $12,363
Kiwibank

TD, 3 months term (Z/Z) • Banks

Gross Rate 3.20%
Min Deposit $5,000
Credit Rating A1
5Y Balance $11,119
10Y Balance $12,363
Kiwibank

TD, 4 months term (Z/Z) • Banks

Gross Rate 3.20%
Min Deposit $5,000
Credit Rating A1
5Y Balance $11,119
10Y Balance $12,363
TSB Bank

TD, 4 months term (Z/S) • Banks

Gross Rate 3.20%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $11,119
10Y Balance $12,363
Christian Savings

TD, 3 months term (S/S) • Non-bank Deposit Takers

Gross Rate 3.20%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $11,119
10Y Balance $12,363
Nelson Bldg Society

TD, 6 months term (/) • Non-bank Deposit Takers

Gross Rate 3.20%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,119
10Y Balance $12,363
Police CU

TD, 4 months term (/) • Non-bank Deposit Takers

Gross Rate 3.20%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,119
10Y Balance $12,363
Wairarapa Bldg Society

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 3.20%
Min Deposit $2,000
Credit Rating BB+
5Y Balance $11,119
10Y Balance $12,363
Wairarapa Bldg Society

TD, 4 months term (/) • Non-bank Deposit Takers

Gross Rate 3.20%
Min Deposit $2,000
Credit Rating BB+
5Y Balance $11,119
10Y Balance $12,363
SBS Bank

TD, 3 months term (Q/Q) • Banks

Gross Rate 3.15%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,101
10Y Balance $12,323
SBS Bank

TD, 4 months term (Q/Q) • Banks

Gross Rate 3.15%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $11,101
10Y Balance $12,323
Nelson Bldg Society

TD, 9 months term (/) • Non-bank Deposit Takers

Gross Rate 3.15%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,101
10Y Balance $12,323
UnityMoney

TD, 4 months term (/) • Non-bank Deposit Takers

Gross Rate 3.15%
Min Deposit $1,000
Credit Rating BB
5Y Balance $11,101
10Y Balance $12,323
ANZ

TD, 4 months term (Z/Y) • Banks

Gross Rate 3.10%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,083
10Y Balance $12,282
ASB

TD, 5 months term (Z/Y) • Banks

Gross Rate 3.10%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,083
10Y Balance $12,282
ASB

TD, 5 months term (Q/Y) • Banks

Gross Rate 3.10%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,083
10Y Balance $12,282
BNZ

TD, 4 months term (Z/Z) • Banks

Gross Rate 3.10%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,083
10Y Balance $12,282
BNZ

TD, 4 months term (M/M) • Banks

Gross Rate 3.10%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,083
10Y Balance $12,282
TSB Bank

TD, 3 months term (Z/S) • Banks

Gross Rate 3.10%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $11,083
10Y Balance $12,282
Police CU

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 3.10%
Min Deposit $500
Credit Rating BB+
5Y Balance $11,083
10Y Balance $12,282
UnityMoney

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 3.05%
Min Deposit $1,000
Credit Rating BB
5Y Balance $11,064
10Y Balance $12,242
Heartland Bank

Notice Saver 32 days • Banks

Gross Rate 3.00%
Min Deposit $1
Credit Rating BBB
5Y Balance $11,046
10Y Balance $12,202
Westpac

Notice Saver 32 days • Banks

Gross Rate 3.00%
Min Deposit $1
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
ANZ

TD, 3 months term (Z/Y) • Banks

Gross Rate 3.00%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
ASB

TD, 3 months term (Z/Y) • Banks

Gross Rate 3.00%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
ASB

TD, 4 months term (Z/Y) • Banks

Gross Rate 3.00%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
ASB

TD, 3 months term (Q/Y) • Banks

Gross Rate 3.00%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
ASB

TD, 4 months term (Q/Y) • Banks

Gross Rate 3.00%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
BNZ

TD, 3 months term (Z/Z) • Banks

Gross Rate 3.00%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
BNZ

TD, 3 months term (M/M) • Banks

Gross Rate 3.00%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
Bank of India

TD, 3 months term (M/Y) • Banks

Gross Rate 3.00%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $11,046
10Y Balance $12,202
Co-operative Bank

TD, 3 months term (Q/Q) • Banks

Gross Rate 3.00%
Min Deposit $2,000
Credit Rating BBB+
5Y Balance $11,046
10Y Balance $12,202
Co-operative Bank

TD, 3 months term (Q/Q) • Banks

Gross Rate 3.00%
Min Deposit $5,000
Credit Rating BBB+
5Y Balance $11,046
10Y Balance $12,202
Westpac

TD, 3 months term (Q/Q) • Banks

Gross Rate 3.00%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $11,046
10Y Balance $12,202
Liberty Financial

TD, 3 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 2.95%
Min Deposit $5,000
Credit Rating BBB
5Y Balance $11,028
10Y Balance $12,162
RaboBank

NoticeSaver 60 days • Banks

Gross Rate 2.75%
Min Deposit $1
Credit Rating A
5Y Balance $10,956
10Y Balance $12,003
Gold Band Finance

TD, 6 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 2.75%
Min Deposit $5,000
Credit Rating BB-
5Y Balance $10,956
10Y Balance $12,003
Gold Band Finance

TD, 9 months term (Q/Q) • Non-bank Deposit Takers

Gross Rate 2.75%
Min Deposit $5,000
Credit Rating BB-
5Y Balance $10,956
10Y Balance $12,003
Nelson Bldg Society

TD, 3 months term (/) • Non-bank Deposit Takers

Gross Rate 2.75%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $10,956
10Y Balance $12,003
Booster

Savvy • Fund Managers

Gross Rate 2.50%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,933
10Y Balance $11,953
Debut

Universal Interest • Fund Managers

Gross Rate 2.40%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,894
10Y Balance $11,869
Dosh

Strives - DCS covered • Fund Managers

Gross Rate 2.35%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,875
10Y Balance $11,827
First CU

Moneymaker • Non-bank Deposit Takers

Gross Rate 2.50%
Min Deposit $5,000
Credit Rating BB
5Y Balance $10,866
10Y Balance $11,807
RaboBank

PremiumSaver - potential rate - to $100,000 • Banks

Gross Rate 2.45%
Min Deposit $1
Credit Rating A
5Y Balance $10,848
10Y Balance $11,768
Go Lend

On Call account • Fund Managers

Gross Rate 2.25%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,837
10Y Balance $11,743
Squirrel Money

On Call - DCS covered • Fund Managers

Gross Rate 2.25%
Min Deposit $0
Credit Rating N/A
5Y Balance $10,837
10Y Balance $11,743
Squirrel Money

On Call • Fund Managers

Gross Rate 2.25%
Min Deposit $0
Credit Rating N/A
5Y Balance $10,837
10Y Balance $11,743
Heartland Bank

Digital Saver • Banks

Gross Rate 2.35%
Min Deposit $1
Credit Rating BBB
5Y Balance $10,812
10Y Balance $11,691
Kiwibank

Notice Saver 90 days • Banks

Gross Rate 2.35%
Min Deposit $1
Credit Rating A1
5Y Balance $10,812
10Y Balance $11,691
BNZ

Rapid Save • Banks

Gross Rate 2.30%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,795
10Y Balance $11,652
ICBC

Smart Saver • Banks

Gross Rate 2.25%
Min Deposit $1
Credit Rating A
5Y Balance $10,777
10Y Balance $11,614
Xceda Finance

Super Saver • Non-bank Deposit Takers

Gross Rate 2.25%
Min Deposit $100
Credit Rating B+
5Y Balance $10,777
10Y Balance $11,614
Kernel Wealth

Smart Saver • Fund Managers

Gross Rate 2.05%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,760
10Y Balance $11,578
Bank of Baroda

TD, 1 month term (M/M) • Banks

Gross Rate 2.15%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $10,741
10Y Balance $11,538
ICBC

TD, 1 month term (Z/Z) • Banks

Gross Rate 2.15%
Min Deposit $10,000
Credit Rating A
5Y Balance $10,741
10Y Balance $11,538
Christian Savings

TD, 1 month term (S/S) • Non-bank Deposit Takers

Gross Rate 2.10%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $10,724
10Y Balance $11,500
ICBC

TD, 1 month term (Z/Z) • Banks

Gross Rate 2.05%
Min Deposit $5,000
Credit Rating A
5Y Balance $10,706
10Y Balance $11,462
Westpac

Westpac Bonus Saver - potential rate • Banks

Gross Rate 2.00%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,688
10Y Balance $11,424
Bank of India

TD, 1 month term (M/Y) • Banks

Gross Rate 2.00%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $10,688
10Y Balance $11,424
Heartland Bank

TD, 1 month term (Q/Q) • Banks

Gross Rate 2.00%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $10,688
10Y Balance $11,424
Kiwibank

TD, 1 month term (Z/Z) • Banks

Gross Rate 2.00%
Min Deposit $5,000
Credit Rating A1
5Y Balance $10,688
10Y Balance $11,424
RaboBank

TD, 1 month term (Z/A) • Banks

Gross Rate 2.00%
Min Deposit $1,000
Credit Rating A
5Y Balance $10,688
10Y Balance $11,424
SBS Bank

TD, 1 month term (Q/Q) • Banks

Gross Rate 2.00%
Min Deposit $1,000
Credit Rating BBB
5Y Balance $10,688
10Y Balance $11,424
Sharesies

Save - DCS covered • Fund Managers

Gross Rate 1.85%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,684
10Y Balance $11,415
ASB

TD, 1 month term (Z/Y) • Banks

Gross Rate 1.95%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $10,671
10Y Balance $11,386
ASB

TD, 1 month term (Q/Y) • Banks

Gross Rate 1.95%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $10,671
10Y Balance $11,386
TSB Bank

TD, 1 month term (Z/S) • Banks

Gross Rate 1.95%
Min Deposit $1,000
Credit Rating BBB+
5Y Balance $10,671
10Y Balance $11,386
UnityMoney

TD, 1 month term (/) • Non-bank Deposit Takers

Gross Rate 1.95%
Min Deposit $1,000
Credit Rating BB
5Y Balance $10,671
10Y Balance $11,386
ANZ

TD, 1 month term (Z/Y) • Banks

Gross Rate 1.90%
Min Deposit $10,000
Credit Rating AA-
5Y Balance $10,653
10Y Balance $11,348
Co-operative Bank

TD, 1 month term (Q/Q) • Banks

Gross Rate 1.90%
Min Deposit $2,000
Credit Rating BBB+
5Y Balance $10,653
10Y Balance $11,348
Co-operative Bank

TD, 1 month term (Q/Q) • Banks

Gross Rate 1.90%
Min Deposit $5,000
Credit Rating BBB+
5Y Balance $10,653
10Y Balance $11,348
Heartland Bank

Direct Call • Banks

Gross Rate 1.80%
Min Deposit $1
Credit Rating BBB
5Y Balance $10,618
10Y Balance $11,274
Kiwibank

Notice Saver 32 days • Banks

Gross Rate 1.80%
Min Deposit $1
Credit Rating A1
5Y Balance $10,618
10Y Balance $11,274
UnityMoney

Christmas Saver • Non-bank Deposit Takers

Gross Rate 1.80%
Min Deposit $1
Credit Rating BB
5Y Balance $10,618
10Y Balance $11,274
BNZ

TD, 1 month term (Z/Z) • Banks

Gross Rate 1.80%
Min Deposit $2,000
Credit Rating AA-
5Y Balance $10,618
10Y Balance $11,274
Westpac

TD, 1 month term (Q/Q) • Banks

Gross Rate 1.80%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $10,618
10Y Balance $11,274
RaboBank

PremiumSaver - bonus • Banks

Gross Rate 1.75%
Min Deposit $1
Credit Rating A
5Y Balance $10,600
10Y Balance $11,236
Wairarapa Bldg Society

Call • Non-bank Deposit Takers

Gross Rate 1.75%
Min Deposit $500
Credit Rating BB+
5Y Balance $10,600
10Y Balance $11,236
Westpac

Westpac Bonus Saver - bonus rate • Banks

Gross Rate 1.75%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,600
10Y Balance $11,236
Nelson Bldg Society

TD, 1 month term (/) • Non-bank Deposit Takers

Gross Rate 1.55%
Min Deposit $5,000
Credit Rating BB+
5Y Balance $10,530
10Y Balance $11,088
Bank of Baroda

Savings • Banks

Gross Rate 1.50%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $10,513
10Y Balance $11,052
ICBC

Savings • Banks

Gross Rate 1.50%
Min Deposit $1
Credit Rating A
5Y Balance $10,513
10Y Balance $11,052
Kiwibank

Online Call • Banks

Gross Rate 1.50%
Min Deposit $1
Credit Rating A1
5Y Balance $10,513
10Y Balance $11,052
Christian Savings

Call • Non-bank Deposit Takers

Gross Rate 1.50%
Min Deposit $1
Credit Rating BB+
5Y Balance $10,513
10Y Balance $11,052
First CU

Online savings • Non-bank Deposit Takers

Gross Rate 1.50%
Min Deposit $1
Credit Rating BB
5Y Balance $10,513
10Y Balance $11,052
First CU

Online Savings • Non-bank Deposit Takers

Gross Rate 1.50%
Min Deposit $1
Credit Rating BB
5Y Balance $10,513
10Y Balance $11,052
RaboBank

RaboSaver • Banks

Gross Rate 1.45%
Min Deposit $1
Credit Rating A
5Y Balance $10,495
10Y Balance $11,015
Bank of China

Online Saver • Banks

Gross Rate 1.35%
Min Deposit $10,000
Credit Rating A
5Y Balance $10,461
10Y Balance $10,942
TSB Bank

WebSaver • Banks

Gross Rate 1.20%
Min Deposit $1
Credit Rating BBB+
5Y Balance $10,409
10Y Balance $10,834
China Construction Bank

Saving • Banks

Gross Rate 1.00%
Min Deposit $1,000
Credit Rating A
5Y Balance $10,340
10Y Balance $10,691
Co-operative Bank

Online Account • Banks

Gross Rate 0.90%
Min Deposit $1
Credit Rating BBB+
5Y Balance $10,305
10Y Balance $10,620
Co-operative Bank

Online account • Banks

Gross Rate 0.90%
Min Deposit $1
Credit Rating BBB+
5Y Balance $10,305
10Y Balance $10,620
RaboBank

PremiumSaver - base • Banks

Gross Rate 0.70%
Min Deposit $1
Credit Rating A
5Y Balance $10,237
10Y Balance $10,479
Heretaunga Bldg Socy

On Call • Non-bank Deposit Takers

Gross Rate 0.70%
Min Deposit $1
Credit Rating N/A
5Y Balance $10,237
10Y Balance $10,479
Bank of Baroda

Super savings • Banks

Gross Rate 0.60%
Min Deposit $1,000
Credit Rating BBB-
5Y Balance $10,203
10Y Balance $10,409
ANZ

Online savings • Banks

Gross Rate 0.50%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,169
10Y Balance $10,340
Nelson Bldg Society

Call • Non-bank Deposit Takers

Gross Rate 0.50%
Min Deposit $1
Credit Rating BB+
5Y Balance $10,169
10Y Balance $10,340
Police CU

Achiever Saver (Membership criteria apply) • Non-bank Deposit Takers

Gross Rate 0.50%
Min Deposit $1
Credit Rating BB+
5Y Balance $10,169
10Y Balance $10,340
SBS Bank

i-Save • Banks

Gross Rate 0.40%
Min Deposit $1
Credit Rating BBB
5Y Balance $10,135
10Y Balance $10,271
SBS Bank

Prospector Call • Banks

Gross Rate 0.35%
Min Deposit $1
Credit Rating BBB
5Y Balance $10,118
10Y Balance $10,237
Police CU

Christmas Club (Membership criteria apply) • Non-bank Deposit Takers

Gross Rate 0.35%
Min Deposit $20
Credit Rating BB+
5Y Balance $10,118
10Y Balance $10,237
UnityMoney

Online Saver • Non-bank Deposit Takers

Gross Rate 0.30%
Min Deposit $1,000
Credit Rating BB
5Y Balance $10,101
10Y Balance $10,203
Nelson Bldg Society

Target • Non-bank Deposit Takers

Gross Rate 0.25%
Min Deposit $1
Credit Rating BB+
5Y Balance $10,084
10Y Balance $10,169
Westpac

Westpac Bonus Saver - base rate • Banks

Gross Rate 0.25%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,084
10Y Balance $10,169
ASB

Savings On Call • Banks

Gross Rate 0.10%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,034
10Y Balance $10,067
Bank of India

Star super savings • Banks

Gross Rate 0.10%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $10,034
10Y Balance $10,067
Bank of India

Star savings • Banks

Gross Rate 0.10%
Min Deposit $1,000
Credit Rating BB+
5Y Balance $10,034
10Y Balance $10,067
Co-operative Bank

Smile On Call • Banks

Gross Rate 0.10%
Min Deposit $4,000
Credit Rating BBB+
5Y Balance $10,034
10Y Balance $10,067
UnityMoney

Everyday Saver • Non-bank Deposit Takers

Gross Rate 0.10%
Min Deposit $5,000
Credit Rating BB
5Y Balance $10,034
10Y Balance $10,067
ANZ

Select • Banks

Gross Rate 0.05%
Min Deposit $5,000
Credit Rating AA-
5Y Balance $10,017
10Y Balance $10,034
Westpac

Simple Saver • Banks

Gross Rate 0.05%
Min Deposit $1
Credit Rating AA-
5Y Balance $10,017
10Y Balance $10,034
Nelson Bldg Society

Cheque • Non-bank Deposit Takers

Gross Rate 0.05%
Min Deposit $10,000
Credit Rating BB+
5Y Balance $10,017
10Y Balance $10,034
Nelson Bldg Society

Access • Non-bank Deposit Takers

Gross Rate 0.05%
Min Deposit $10,000
Credit Rating BB+
5Y Balance $10,017
10Y Balance $10,034
Police CU

Transactional Account (Membership criteria apply) • Non-bank Deposit Takers

Gross Rate 0.05%
Min Deposit $2,000
Credit Rating BB+
5Y Balance $10,017
10Y Balance $10,034
UnityMoney

Everyday Saver • Non-bank Deposit Takers

Gross Rate 0.05%
Min Deposit $1
Credit Rating BB
5Y Balance $10,017
10Y Balance $10,034

Showing 218 of 218 accounts. Data current as of September 2025.