High interest savings accounts

Providing NZ 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, NZCU 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.


NZCU Baywide savings accounts help you achieve your financial goals

Online saver

Open a Online Saver Account

High interest on-call account (best rated)

Success saver

Open a serious saver account

The more you save the higher your interest rate

Goal saver

Open a Goal saver account

Personalised account to help you reach your goal

Christmas saver

Open a Christmas Saver Account

A flexible and easy way to save for Christmas

Jimmy J Junior 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

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.

More on 'How does a savings account work?'


which savings account

What savings account is best for me?

At NZCU 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?'



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 from 4.50% p.a.*