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New Zealand 的最佳 12 个月 term deposit 利率

针对 NZ$10,000 存款的每家提供商最佳 12 个月利率，面向所有客户，数据来源于各银行官网。最近一次核查时间：18 Oct 2026, 05:37 UTC。

银行	年利率	期限	存款	详情	链接
Rabobank New ZealandTerm Deposit	4.15%≈ NZ$415 (12 个月)	12 个月	NZ$1,000 +	基准利率 Personal accounts (individual, joint, children); Interest at maturity (up to 18 months) or annually (2-5 years)	前往银行
Bank of New Zealand (BNZ)Term Deposit	4.05%≈ NZ$405 (12 个月)	12 个月	NZ$2,000 – NZ$5,000,000	基准利率 $2,000 - $5 million (from the page's headline rate cards)	前往银行
Heartland BankTerm Deposit	4.05%≈ NZ$405 (12 个月)	12 个月	未说明	基准利率 Minimum deposit not stated on the rates page; Interest on maturity (up to 3 months) or 3-monthly	前往银行
KiwibankTerm Deposit	4.05%≈ NZ$405 (12 个月)	12 个月	NZ$1,000 – NZ$5,000,000	基准利率 Minimum balance $1,000 ($5,000 for 30 and 60 days); Up to $5 million	前往银行
ANZ Bank New ZealandTerm Deposit	4.00%≈ NZ$400 (12 个月)	12 个月	NZ$10,000 +	基准利率 For amounts of $10,000 or more	前往银行
ASB BankTerm Deposit	4.00%≈ NZ$400 (12 个月)	12 个月	NZ$5,000 +	基准利率 Minimum investment $5,000; Not available to financial institutions or where total ASB term investments exceed $10 million	前往银行
Westpac New ZealandTerm Deposit	4.00%≈ NZ$400 (12 个月)	12 个月	NZ$5,000 – NZ$5,000,000	基准利率 $5,000 - $5,000,000; Rates for customers holding up to $5,000,000 in total deposits	前往银行

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存款保障：Depositor Compensation Scheme (DCS)

限额NZ$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. 来源, 已检查 2026-10-18.

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。