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国家 / 🇳🇿 New Zealand

在 New Zealand 的最佳 term deposit 利率

来自 7 家供应商的 NZD term deposit 利率，每日直接从各银行网站读取，另有 0 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 7 家供应商 · savings account

最佳 3 个月利率

3.20% 年利率

Rabobank New Zealand

基准利率 · 最低 NZ$1,000

最佳 6 个月利率

3.70% 年利率

Rabobank New Zealand

基准利率 · 最低 NZ$1,000

最佳 12 个月利率

4.15% 年利率

Rabobank New Zealand

基准利率 · 最低 NZ$1,000

针对 NZ$10,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 term deposit 利率

期限
利率类型
选项

7 家银行提供 NZ$10,000 的12个月利率

银行年利率期限存款详情链接
Rabobank New ZealandTerm Deposit4.15%≈ 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)
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Bank of New Zealand (BNZ)Term Deposit4.05%≈ 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)
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Heartland BankTerm Deposit4.05%≈ 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
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KiwibankTerm Deposit4.05%≈ 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
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ANZ Bank New ZealandTerm Deposit4.00%≈ NZ$400 (12 个月)12 个月NZ$10,000 +基准利率
For amounts of $10,000 or more
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ASB BankTerm Deposit4.00%≈ 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
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Westpac New ZealandTerm Deposit4.00%≈ 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
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"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

此列表如何排序？

按利率排序，最高的排在前面，针对您选择的金额和期限。若银行公布了其综合有效利率，我们将使用该利率。每家银行只出现一次，展示其最匹配的报价，除非您勾选 "Show every rate"。银行不能付费改变排序。

规划您的存款

Best rate by term

1 months: 2.00% at Rabobank New Zealand2.00%1 个月2 months: 2.00% at ASB Bank2.00%2 个月3 months: 3.20% at Rabobank New Zealand3.20%3 个月4 months: 3.10% at Heartland Bank3.10%4 个月6 months: 3.70% at Rabobank New Zealand3.70%6 个月9 months: 3.85% at Rabobank New Zealand3.85%9 个月12 months: 4.15% at Rabobank New Zealand4.15%12 个月18 months: 4.30% at ASB Bank4.30%18 个月24 months: 4.45% at Rabobank New Zealand4.45%24 个月36 months: 4.70% at Rabobank New Zealand4.70%36 个月

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

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

RBNZ official cash rate (OCR) 02 Sep 20262.75%

来源：rbnz.govt.nz。仅作参考，不构成推荐。

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.

Where does your money earn most in New Zealand?

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 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, 05:37 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, 05:37 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

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缺少银行？请推荐

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。