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국가 / 🇳🇿 뉴질랜드

뉴질랜드 최고의 term deposit 금리

7개의 제공업체로부터 NZD term deposit 금리를 매일 각 은행 웹사이트에서 직접 읽어옵니다. 추가로 확인할 0개의 제공업체가 더 있습니다. 금리 순으로 정렬; 유료 순위는 없습니다.

마지막 확인 18 Oct 2026, 05:37 UTC · 전체 7개 제공업체 · savings account

NZ$10,000 예금에 대한 최고 금리이며, 모든 고객에게 열려 있습니다. 프로모션이 조기에 종료될 수 있으니 은행에 확인하세요.

term deposit 금리 비교

기간
금리 유형
옵션

NZ$10,000에 대한 12개월 금리를 제공하는 은행 7곳

은행연 이율기간예금세부 정보링크
Rabobank New ZealandTerm Deposit4.15%≈ NZ$415 in 12 months12개월NZ$1,000 +기준 금리
Personal accounts (individual, joint, children); Interest at maturity (up to 18 months) or annually (2-5 years)
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Bank of New Zealand (BNZ)Term Deposit4.05%≈ NZ$405 in 12 months12개월NZ$2,000 – NZ$5,000,000기준 금리
$2,000 - $5 million (from the page's headline rate cards)
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Heartland BankTerm Deposit4.05%≈ NZ$405 in 12 months12개월미표시기준 금리
Minimum deposit not stated on the rates page; Interest on maturity (up to 3 months) or 3-monthly
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KiwibankTerm Deposit4.05%≈ NZ$405 in 12 months12개월NZ$1,000 – NZ$5,000,000기준 금리
Minimum balance $1,000 ($5,000 for 30 and 60 days); Up to $5 million
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ANZ Bank New ZealandTerm Deposit4.00%≈ NZ$400 in 12 months12개월NZ$10,000 +기준 금리
For amounts of $10,000 or more
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ASB BankTerm Deposit4.00%≈ NZ$400 in 12 months12개월NZ$5,000 +기준 금리
Minimum investment $5,000; Not available to financial institutions or where total ASB term investments exceed $10 million
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Westpac New ZealandTerm Deposit4.00%≈ NZ$400 in 12 months12개월NZ$5,000 – NZ$5,000,000기준 금리
$5,000 - $5,000,000; Rates for customers holding up to $5,000,000 in total deposits
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"신규 자금"은 다른 은행에서 가져온 돈을 의미합니다. 기준 금리는 고정 금리이며, 프로모션은 기간 제한이 있습니다. 금리를 수집하고 확인하는 방법.

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%1개월2 months: 2.00% at ASB Bank2.00%2개월3 months: 3.20% at Rabobank New Zealand3.20%3개월4 months: 3.10% at Heartland Bank3.10%4개월6 months: 3.70% at Rabobank New Zealand3.70%6개월9 months: 3.85% at Rabobank New Zealand3.85%9개월12 months: 4.15% at Rabobank New Zealand4.15%12개월18 months: 4.30% at ASB Bank4.30%18개월24 months: 4.45% at Rabobank New Zealand4.45%24개월36 months: 4.70% at Rabobank New Zealand4.70%36개월

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

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이중 옵트인: 먼저 이메일로 확인하세요. 최적 금리와 금액이 상승하면 한 번의 이메일을 받습니다. 원클릭으로 구독 해지 가능합니다.

공식 벤치마크

RBNZ official cash rate (OCR) 02 Sep 20262.75%

출처: rbnz.govt.nz. 참고용으로 표시된 것이며, 권고는 아닙니다.

예금 보호: Depositor Compensation Scheme (DCS)

한도NZ$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. 출처, 확인 2026-10-18.

Where does your money earn most in 뉴질랜드?

Best 12-month term deposit (Rabobank New Zealand)4.15%
Best savings account (Rabobank New Zealand)2.65%
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 뉴질랜드

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

4.15% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

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

3.70% p.a. at Rabobank New Zealand (minimum deposit: NZ$1,000), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are term deposits in 뉴질랜드 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 뉴질랜드?

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

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우리는 비교 서비스이며 은행이 아닙니다: 예금을 받지 않습니다. 금리는 사전 고지 없이 변동될 수 있으니, 입금 전 은행에 확인하세요. 금융 조언이 아닙니다.