NZ's best high interest savings accounts

Providing New Zealand with some of the best, high interest savings options.


With a different savings option to suit any need - from a competitive high interest on-call account to a flexible, customised goal saver account, Credit Union Baywide can help you achieve your financial goals. Want to learn more about savings accounts and options? Read more in our helpful guides and information section below.


Credit Union Baywide savings accounts help you achieve your financial goals

Online saver

Open a Online Saver Account

High interest on-call account (best rated)

Everyday saver

Open a serious saver account

The more you save the higher your interest rate

Christmas saver

Open a Christmas Saver Account

A flexible and easy way to save for Christmas

Kids saver

Open a Jimmy J Junior Saver Account

Teach your kids valuable savings habits

Ways to bank

Ways to bank with us

ATM, online, mobile and more...


Helpful guides and information

Opening a savings account? Our guides will help you through the process.

What is Compound Interest?

Compound Interest is a great way to make your money work harder for you by earning interest on your interest! Keep reading to find out everything you need to know about Compound Interest, including which of our accounts offer this great savings supercharger.



When does my savings account earn interest?

You’ve read the advice, listened to the experts, and now you’ve taken the first steps to a better financial life by setting some money aside and starting a savings account. But when can you expect to see the fruits of this labor? Keep reading as we take a look at how the different savings accounts earn interest, and when you can expect to see that interest hitting your account.



Savings accounts or term deposits - which is best for me?

Talking about saving money is the easy bit, but actually setting that money aside can be more difficult than it sounds. Whether you want to save for a new car, a dream wedding, or your upcoming retirement, there are numerous options out there that make the savings process easy.

If you’re a New Zealander looking to save, then keep reading to learn more about the two most popular savings options - term investments and savings accounts - and which one is best for you.

Read More…


which savings account

What savings account is best for me?

At Credit Union Baywide we offer a diverse range of savings accounts so that no matter what you’re saving for, or how much you’re wanting to save, there’s a savings option with the rates, features, and extras to match. If you’re feeling overwhelmed by choice, keep reading as we examine your options in more detail and help you decide on a savings account that works for you and your finances.

More on 'What savings account is best for me?’

how does savings account work

How does a savings account work?

Are you finding it difficult to reach your savings goals, or find that you’re without cash at the times you need it most? A Savings Account could be your ticket to better savings, offering high interest on your savings. Read on as we go back to basics and take a look at just how a Savings Account works, and how it enables Kiwis just like you to save your money.

More on 'How does a savings account work?'



Tips and Tricks


5 great retirement savings strategies for New Zealanders

It can be all too easy to put off saving for your retirement, but when the day finally comes do you know if you’ll have enough of a nest egg to sustain your quality of life?

Without a regular income, you’ll need enough money set aside to cover your expenses so you’re not left struggling week-to-week. Read more to discover some of our favourite savings strategies that will help you prepare for your retirement.



Boost your retirement savings with these 4 top investment tips

Everyday expenses and the cost of living can make it all too difficult to set aside enough money for your retirement during the years you should be saving the most.

With the gap between the standard of living you aspire to in your retirement and the one you’ll actually live only growing, it’s time to get serious about investing in your future! That’s why you should keep reading to learn more about our four favourite tips that’ll help boost your retirement savings and ensure you can live your best financial life.


Opening a Savings Account? Our guides will help you through the process.


Click here for savings account rates and fees

After a better rate for your savings? Term deposit up to 2.30% p.a.*