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Interest Rates
 

1. Personal Banking Term Deposit Rate

Personal Banking Term Deposit Rate (NZD) p.a.
Effective from 17th April 2025
Amount
5,000-9,999
10,000-49,999
50,000+
Term
Walk-in
Online
Walk-in
Online
Walk-in
Online
1 Month
2.55%
2.60%
2.65%
2.70%
2.65%
2.70%
2 Months
3.15%
3.20%
3.25%
3.30%
3.25%
3.30%
3 Months
3.65%
3.70%
3.75%
3.80%
3.75%
3.80%
4 Months
3.75%
3.80%
3.85%
3.90%
3.85%
3.90%
5 Months
4.00%
4.05%
4.10%
4.15%
4.10%
4.15%
6 Months
4.15%
4.20%
4.25%
4.30%
4.25%
4.30%
9 Months
4.10%
4.15%
4.20%
4.25%
4.20%
4.25%
12 Months
4.00%
4.05%
4.10%
4.15%
4.10%
4.15%
18 Months
4.00%
4.05%
4.10%
4.15%
4.10%
4.15%
2 Years
4.05%
4.10%
4.15%
4.20%
4.15%
4.20%
3 Years
4.10%
4.15%
4.20%
4.25%
4.20%
4.25%
4 Years
4.15%
4.20%
4.25%
4.30%
4.25%
4.30%
5 Years
4.15%
4.20%
4.25%
4.30%
4.25%
4.30%

 

Personal Banking Term Deposit Rate (USD, CNY) p.a.
Effective from 21st February 2025
Currency
USD
CNY
Amount
5,000- 49,999
50,000- 99,999
100,000+
5,000- 49,999
50,000- 499,999
500,000+
1 Month
3.10%
3.15%
3.20%
0.90%
0.95%
1.00%
2 Months
3.20%
3.25%
3.30%
0.90%
0.95%
1.00%
3 Months
4.40%
4.45%
4.50%
0.95%
1.00%
1.05%
4 Months
4.20%
4.25%
4.30%
0.95%
1.00%
1.05%
5 Months
4.20%
4.25%
4.30%
0.95%
1.00%
1.05%
6 Months
4.20%
4.25%
4.30%
0.95%
1.00%
1.05%
9 Months
4.00%
4.05%
4.10%
1.00%
1.05%
1.10%
12 Months
4.00%
4.05%
4.10%
1.00%
1.05%
1.10%
18 Months
3.60%
3.60%
3.60%
1.00%
1.05%
1.10%
2 Years
3.60%
3.60%
3.60%
1.10%
1.15%
1.20%
3 Years
3.60%
3.60%
3.60%
1.10%
1.15%
1.20%
4 Years
3.60%
3.60%
3.60%
1.10%
1.15%
1.20%
5 Years
3.60%
3.60%
3.60%
1.10%
1.15%
1.20%


2. Personal Account Deposit

Personal Account Deposit Rate (NZD) p.a.
Effective from 4th April 2025
Account Type Savings Smart Saver
Rate
2.25%
3.40%

3. Corporate Banking Term Deposit

Corporate Banking Term Deposit Rate p.a.
Effective from 17th April 2025
Term Currency
*NZD
*USD
*CNY
1 Month
2.65%
3.20%
0.95%
2 Months
3.25%
3.30%
0.95%
3 Months
3.75%
4.50%
1.00%
4 Months
3.85%
4.30%
1.00%
5 Months
4.10%
4.30%
1.00%
6 Months
4.25%
4.30%
1.00%
9 Months
4.20%
4.10%
1.05%
12 Months
4.10%
4.10%
1.05%
18 Months
4.10%
3.60%
1.05%
2 Years
4.15%
3.60%
1.15%
3 Years
4.20%
-
-
4 Years
4.25%
-
-
5 Years
4.25%
-
-
Notes
*NZD Minimum Amount is 10,000 NZD
*USD Minimum Amount is 10,000 USD
*CNY Minimum Amount is 50,000 CNY

 

☆ Important Information
For both Personal and Corporate banking customers, rates apply up to NZD 4,999,999 or equivalent. For rates applicable to amounts greater than NZD 4,999,999, please contact us.

Rates change anytime without notice.

Rate for early withdrawal of NZD term deposit is 1% p.a.; Rate for early withdrawal of USD and CNY term deposit is nil.

Smart Saver：If you make a withdrawal you won't earn interest that month.