New Zealand term deposits & investments

For competitive term deposit rates and flexible term investment options, talk to NZCU Baywide today.

Our competitive term deposit interest rates are calculated on a daily basis and interest can be paid at regular intervals or on maturity to any account of your choice.*

  • Choose your investment term
  • Flexible and competitive interest calculated daily


NZCU Baywide offers some of the most competitive term investment rates in New Zealand^

12 Month Term Deposit, New Zealand

from 4.00% p.a.*

Open a serious saver account

for 12 month term

24 Month Term Investment, New Zealand

from 4.20% p.a.*

Open a Retirement saver account

for 24 month term

Investment interest rates

Term   Investment rate 
1-2 months 1.50% p.a.
3 months 3.10% p.a.
4 months 3.30% p.a.
5 months 3.50% p.a.
6 months 3.80% p.a.
9 months 3.85% p.a.
12 months 4.00% p.a.
18 months 4.05% p.a.
24 months 4.20% p.a.
36 months 4.25% p.a.
48 months 4.20% 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 member.

> 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 Where a term deposit is withdrawn prior to the maturity date, the applicable interest rate will be reduced by up to 2%.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%.


Apply now

^Source: as published on as at 2 May 2017. 

The current Credit Risk Statement, Product Disclosure Statement and other disclosure statements are available here or from any of our branches.