| Success saver | |
| Up to $4,999 | 1.25% p.a. |
| $5,000 to $19,999 | 1.50% p.a. |
| $20,000 to $99,999 | 1.75% p.a. |
| $100,000 and over | 2.00% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest calculated on the minimum daily balance and paid monthly
> Interest rates are indicative only and may be subject to change without notice
| Online saver | |
| $1,000 to $19,999 | 2.50% p.a. |
| $20,000 and over | 2.65% p.a. |
> Customers must register for internet banking and opt for email statements
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest calculated on the minimum daily balance and paid monthly
> Interest rates are indicative only and may be subject to change without notice
| Goal saver | |
| Interest | 1.25% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest rates are indicative only and may be subject to change without notice
| Loyalty saver | |
| Interest | 0.00% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest rates are indicative only and may be subject to change without notice
| Christmas saver | |
| Interest | 1.50% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest rates are indicative only and may be subject to change without notice
| Jimmy J junior saver (ages 0-10 yrs) | |
| Interest | 1.75% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Interest rates are indicative only and may be subject to change without notice
| Everyday | |
| Interest | 0.00% p.a. |
| Everyday unlimited | |
| Interest | 0.00% p.a. |
| Bill pay | |
| Interest | 0.00% p.a. |
| Bfree youth (ages 11-17yrs) | |
| Interest | 1.50% p.a. |
> Maximum deposit $1 million per customer
> Interest rates quoted apply to the whole account balance
> Bfree youth account: Interest is calculated on the minimum daily balance and paid monthly
> Interest rates are indicative only and may be subject to change without notice
| Term | Interest rate |
| 1 month | 1.50% p.a. |
| 2 months | 1.50% p.a. |
| 3 months | 2.95% p.a. |
| 4 months | 3.00% p.a. |
| 5 months | 3.25% p.a. |
| 6 months | 3.50% p.a. |
| 9 months | 3.60% p.a. |
| 12 months | 3.70% p.a. |
| 18 months | 3.90% p.a. |
| 24 months | 4.10% p.a. |
| 36 months | 4.20% p.a. |
| 48 months | 4.25% p.a. |
| 60 months | 4.30% p.a. |
> Interest is calculated on a daily basis
> Investors are advised of their options prior to maturity
> Maximum deposit $1 million per customer
> Minimum deposit is $1,000 for adults and $500 for children under 18 years old
> These are indicative rates only and may be subject to change without notice
> Where a term deposit is withdrawn prior to the maturity date, the applicable interest rate will be reduced by up to 2%. The applicable interest rate will not reduce below 0%
| Floating | |
| Floating | 6.15% p.a. |
| Fixed | |
| 6 months | 5.75% p.a. |
| 12 months | 5.45% p.a. |
| 18 months | 5.55% p.a. |
| 24 months | 5.50% p.a. |
> Other rates may apply depending on your personal circumstances and level of equity
> Interest rates are indicative only and may be subject to change without notice
Our interest rates for personal finance loans are priced using a risk matrix that takes into consideration a range of factors including your credit score and affordability. Based on the assessment of your financial information provided we will assign a risk grade and the corresponding interest rate could apply.
| Secured personal loan rates | ||||
| Risk grade | Orange | Yellow | Green | Blue |
| Interest rate %p.a. | 9.90% | 13.90% | 17.90% | 21.90% |
| Unsecured personal loan rates | ||||
| Risk grade | Orange | Yellow | Green | Blue |
| Interest rate %p.a. | 11.90% | 15.90% | 19.90% | 23.90% |
> These are indicative unsecured personal loan rates only and may be subject to change without notice
| Overdraft type | Interest rate |
| Authorised overdraft | 19.90% p.a. |
| Unauthorised overdraft | 21.00% p.a. |
> These are indicative rates only and may be subject to change without notice.
To view our fees click here.
Credit Union Baywide shares are secured by a first ranking security of NZCU Baywide's assets.
The current Credit Risk Statement, Product Disclosure Statement and other disclosure statements are available here or from any of our branches.
Phone: 0800 229 943 or (06) 873 1100
Email: enquiries@nzcubaywide.co.nz
