{
  "banks": [
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/anz",
      "offers": [
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 1.8,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 1
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 1.9,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 2
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 2.9,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 3
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.0,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 4
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 5
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 6
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.55,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 7
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.55,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 8
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 3.65,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 9
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.0,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 12
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.2,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 18
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 24
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.4,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 36
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.6,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 48
        },
        {
          "bank": "nz/anz",
          "conditions": [
            "For amounts of $10,000 or more"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 10000,
          "product": "Term Deposit",
          "rate": 4.7,
          "segment": "personal",
          "source_url": "https://www.anz.co.nz/rates-fees-agreements/term-deposits/",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/asb",
      "offers": [
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 1.8,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 1
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 2.0,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 2
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.0,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 3
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.0,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 4
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 5
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 6
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 9
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.0,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 12
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 18
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 24
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.4,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 36
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.6,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 48
        },
        {
          "bank": "nz/asb",
          "conditions": [
            "Minimum investment $5,000",
            "Not available to financial institutions or where total ASB term investments exceed $10 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 5.0,
          "segment": "personal",
          "source_url": "https://www.asb.co.nz/term-investments/term-investment-rates.html",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/bnz",
      "offers": [
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 1.85,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 1
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 1.95,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 2
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 2.9,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 3
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.05,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 4
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 5
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 6
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.55,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 7
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 8
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 9
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.05,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 12
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 18
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.35,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 24
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.6,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 36
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 48
        },
        {
          "bank": "nz/bnz",
          "conditions": [
            "$2,000 - $5 million (from the page's headline rate cards)"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 2000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.bnz.co.nz/personal-banking/investments/rates",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/heartland",
      "offers": [
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 1.8,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 1
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 1.9,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 2
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 2.9,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 3
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 3.1,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 4
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 5
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 3.55,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 6
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 9
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.05,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 12
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.05,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 15
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 18
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.35,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 24
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.5,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 36
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.75,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 48
        },
        {
          "bank": "nz/heartland",
          "conditions": [
            "Minimum deposit not stated on the rates page",
            "Interest on maturity (up to 3 months) or 3-monthly"
          ],
          "currency": "NZD",
          "kind": "board",
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.heartland.co.nz/savings-and-deposits/interest-rates",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/kiwibank",
      "offers": [
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 1.9,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 1
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 2.0,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 2
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.05,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 3
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.1,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 4
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.25,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 5
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 6
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.5,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 7
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 9
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.05,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 12
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 24
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.6,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 36
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 48
        },
        {
          "bank": "nz/kiwibank",
          "conditions": [
            "Minimum balance $1,000 ($5,000 for 30 and 60 days)",
            "Up to $5 million"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.kiwibank.co.nz/personal-banking/investments/rates-and-charges/",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/rabobank",
      "offers": [
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 2.0,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 1
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 3
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 6
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.85,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 9
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.15,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 12
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 3.75,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 15
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 18
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.45,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 24
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.7,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 36
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 4.9,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 48
        },
        {
          "bank": "nz/rabobank",
          "conditions": [
            "Personal accounts (individual, joint, children)",
            "Interest at maturity (up to 18 months) or annually (2-5 years)"
          ],
          "currency": "NZD",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Term Deposit",
          "rate": 5.05,
          "segment": "personal",
          "source_url": "https://www.rabobank.co.nz/online-savings/online-savings-interest-rates",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    },
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "nz/westpac",
      "offers": [
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 1.8,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 1
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 1.9,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 2
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 2.85,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 3
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.1,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 4
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.2,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 5
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.45,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 6
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.6,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 8
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 3.7,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 9
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.0,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 12
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 18
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.3,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 24
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.6,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 36
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 48
        },
        {
          "bank": "nz/westpac",
          "conditions": [
            "$5,000 - $5,000,000",
            "Rates for customers holding up to $5,000,000 in total deposits"
          ],
          "currency": "NZD",
          "kind": "board",
          "max_deposit": 5000000,
          "min_deposit": 5000,
          "product": "Term Deposit",
          "rate": 4.85,
          "segment": "personal",
          "source_url": "https://www.westpac.co.nz/kiwisaver-investments/term-deposits-pie-investments/term-deposit-pie-investment-interest-rates/",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    }
  ],
  "benchmarks": [
    {
      "country": "nz",
      "date": "02 Sep 2026",
      "label": "RBNZ official cash rate (OCR)",
      "page": "https://www.rbnz.govt.nz/monetary-policy/about-monetary-policy/the-official-cash-rate",
      "status": "ok",
      "value": 2.75,
      "verified_at": "2026-10-18T06:34:25.867517237Z"
    }
  ],
  "country": "nz",
  "currency": "NZD",
  "deposit_insurance": {
    "checked": "2026-10-18",
    "limit": 100000,
    "scheme": "Depositor Compensation Scheme (DCS)",
    "source": "https://www.rbnz.govt.nz/dcs/how-much-money-does-dcs-protect",
    "summary": "In force since 1 July 2025: if a New Zealand licensed deposit taker fails, the DCS compensates depositors up to $100,000 per depositor, per deposit taker, for money held in DCS-covered accounts."
  },
  "generated_at": "2026-10-18T05:37:59.571528800Z",
  "name": "New Zealand",
  "terms": "Free to use with attribution: link to https://getdeposited.com. Rates are as published by each bank at the time shown; verify with the bank."
}