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Negara / 🇳🇿 New Zealand

Suku bunga term deposit terbaik di New Zealand

Suku bunga NZD term deposit dari 7 penyedia, dibaca langsung dari situs web masing‑masing bank setiap hari, plus 0 penyedia lagi untuk dicek. Diurutkan berdasarkan suku bunga; tidak ada peringkat berbayar.

Terakhir diperiksa 18 Oct 2026, 03:42 UTC · semua 7 penyedia

Suku bunga 3-bulan terbaik

3.20% p.a.

Rabobank New Zealand

Suku bunga papan · min NZ$1,000

Suku bunga 6-bulan terbaik

3.70% p.a.

Rabobank New Zealand

Suku bunga papan · min NZ$1,000

Suku bunga 12-bulan terbaik

4.15% p.a.

Rabobank New Zealand

Suku bunga papan · min NZ$1,000

Suku bunga terbaik untuk deposito NZ$10,000, terbuka untuk semua nasabah. Promosi dapat berakhir lebih awal; konfirmasi dengan bank.

Bandingkan suku bunga term deposit

Jangka waktu
Jenis suku bunga
Opsi

6 bank dengan suku bunga 12 bulan untuk NZ$10,000

BankSuku bunga p.a.Jangka waktuSetoranDetailTautan
Rabobank New ZealandTerm Deposit4.15%≈ NZ$415 in 12 months12 bulanNZ$1,000 +Suku bunga papan
Personal accounts (individual, joint, children); Interest at maturity (up to 18 months) or annually (2-5 years)
Ke bank
Bank of New Zealand (BNZ)Term Deposit4.05%≈ NZ$405 in 12 months12 bulanNZ$2,000 – NZ$5,000,000Suku bunga papan
$2,000 - $5 million (from the page's headline rate cards)
Ke bank
Heartland BankTerm Deposit4.05%≈ NZ$405 in 12 months12 bulanTidak disebutkanSuku bunga papan
Minimum deposit not stated on the rates page; Interest on maturity (up to 3 months) or 3-monthly
Ke bank
KiwibankTerm Deposit4.05%≈ NZ$405 in 12 months12 bulanNZ$1,000 – NZ$5,000,000Suku bunga papan
Minimum balance $1,000 ($5,000 for 30 and 60 days); Up to $5 million
Ke bank
ANZ Bank New ZealandTerm Deposit4.00%≈ NZ$400 in 12 months12 bulanNZ$10,000 +Suku bunga papan
For amounts of $10,000 or more
Ke bank
ASB BankTerm Deposit4.00%≈ NZ$400 in 12 months12 bulanNZ$5,000 +Suku bunga papan
Minimum investment $5,000; Not available to financial institutions or where total ASB term investments exceed $10 million
Ke bank

"Fresh funds" berarti uang yang dipindahkan dari bank lain. Suku bunga papan adalah suku tetap; promo bersifat terbatas waktu. Cara kami mengumpulkan dan memeriksa suku bunga.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 2.00% at Rabobank New Zealand2.00%1-bulan2 months: 2.00% at ASB Bank2.00%2-bulan3 months: 3.20% at Rabobank New Zealand3.20%3-bulan4 months: 3.10% at Heartland Bank3.10%4-bulan6 months: 3.70% at Rabobank New Zealand3.70%6-bulan9 months: 3.85% at Rabobank New Zealand3.85%9-bulan12 months: 4.15% at Rabobank New Zealand4.15%12-bulan18 months: 4.30% at ASB Bank4.30%18-bulan24 months: 4.45% at Rabobank New Zealand4.45%24-bulan36 months: 4.70% at Rabobank New Zealand4.70%36-bulan

Best rate open to any customer for NZ$10,000 at each term, from today's verified offers. Hover a point for the bank.

Dapatkan email saat suku bunga naik

Double opt-in: konfirmasi lewat email terlebih dahulu. Satu email ketika suku bunga terbaik untuk jangka waktu dan jumlah Anda naik. Berhenti berlangganan dengan satu klik.

Tolok ukur resmi

RBNZ official cash rate (OCR) 02 Sep 20262.75%

Sumber: rbnz.govt.nz. Ditampilkan sebagai titik referensi, bukan rekomendasi.

Perlindungan deposit: Depositor Compensation Scheme (DCS)

BatasNZ$100,000

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. Sumber, diperiksa 2026-10-18.

Where does your money earn most in New Zealand?

Best 12-month term deposit (Rabobank New Zealand)4.15%
RBNZ official cash rate (OCR)2.75%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in New Zealand

What is the best 12-month term deposit rate in New Zealand today?

4.15% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month term deposit rate in New Zealand today?

3.70% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

Are term deposits in New Zealand protected?

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.

How many banks do you compare in New Zealand?

We list 7 providers. Rates for 7 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do term deposit rates compare with the RBNZ official cash rate (OCR)?

The RBNZ official cash rate (OCR) is 2.75% (02 Sep 2026). The best 12-month term deposit rate open to any customer today is 4.15%.

Deposit rates in nearby countries

🇦🇺 Australia

Add this rate table to your website

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Kami adalah layanan perbandingan, bukan bank: kami tidak menerima setoran. Suku bunga dapat berubah tanpa pemberitahuan; verifikasi dengan bank sebelum Anda menyetorkan dana. Bukan nasihat keuangan.