Interest Rates

Loans

Home loans
Current rates p.a.
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Variable 5.65%
Revolving 5.65%
6 month fixed 5.75%
1 year fixed 6.25%
18 month fixed 6.49%
2 year fixed 7.20%
3 year fixed 7.79%
4 year fixed 8.20%
5 year fixed 8.50%
Personal and vehicle loans
Current rates p.a.
Kiwibank Home Loans customer.
Current rates p.a.Show

Interest rates current as at 15 September 2009. Interest rates subject to change.
Personal loan Upwards from 13.10% From 11.95%
Personal loan - Debt consolidation Upwards from 13.10% From 11.95%
Vehicle loan From 13.50% From 13.00%

Savings and investments

Term Deposit
Current rates p.a.
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Term $1,000 - $4,999 $5,000 - $9,999 $10,000 - $49,999 $50,000 - $249,999
30 days n/a% 2.75% 2.75% 2.75%
60 days n/a% 2.75% 2.75% 2.75%
90 days 2.00% 3.75% 3.75% 3.75%
100 days 2.00% 3.75% 3.75% 3.75%
120 days 2.00% 3.75% 3.75% 3.75%
150 days 2.00% 3.75% 3.75% 3.75%
6 month (180 days) 2.00% 5.00% 5.00% 5.00%
1 year (interest at maturity) 2.00% 5.15% 5.15% 5.15%
1 year 2.00% 5.15% 5.15% 5.15%
2 years 2.00% 5.50% 5.50% 5.50%
3 years 2.00% 6.00% 6.00% 6.00%
4 years 2.00% 6.50% 6.50% 6.50%
5 years 2.00% 6.75% 6.75% 6.75%

Specials:

Term Deposits | 5.00% for 6 months | Minimum $5,000 (Interest at maturity)
Online Call
Current rates p.a.
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* Rate includes bonus interest of 0.60%p.a. if no withdrawals are made within the calendar month.
$0-$1999 0.00%
$2,000+ 3.25% *
PIE Online Call*
Current rates
Effective rate
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* Minimum deposit $2,000
Bonus return - earned if no withdrawals are made during the month (Class A) 3.25% p.a. If you pay 38% tax: 3.71% p.a
If you pay 33% tax: 3.43% p.a
Base return - earned if a withdrawal is made during the month (Class B) 2.65% p.a. If you pay 38% tax: 3.02% p.a
If you pay 33% tax: 2.79% p.a
PIE Term Deposit
Current rates
Effective rate
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90 days 3.75% p.a. If you pay 38% tax: 4.23% p.a.
If you pay 33% tax: 3.92% p.a.
100 days 3.75% p.a. If you pay 38% tax: 4.23% p.a.
If you pay 33% tax: 3.92% p.a.
120 days 3.75% p.a. If you pay 38% tax: 4.23% p.a.
If you pay 33% tax: 3.92% p.a.
150 days 3.75% p.a. If you pay 38% tax: 4.23% p.a.
If you pay 33% tax: 3.92% p.a.
6 months 5.00% p.a. If you pay 38% tax: 5.65% p.a.
If you pay 33% tax: 5.22% p.a.
1 year 5.15% p.a. If you pay 38% tax: 5.81% p.a.
If you pay 33% tax: 5.38% p.a.
Fast Forward Saver
Current rates p.a.*
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* Rates include bonus interest of 1.50% p.a. if at least $20 is deposited, and no withdrawals are made, each calendar month.
$0 -$999 1.75%
$1,000 - $2,999 2.00%
$3,000 - $3,999 2.00%
$4,000+ 2.50%
First Saver
Current rates p.a.
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$0+ 2.50%
Back-up Saver
Current rates p.a.
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$0+ 1.50%

Everyday banking

Now
Current rates p.a.
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$0+ 0.00%
Free Up
Current rates p.a.
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$0+ 0.00%
Front Runner
Current rates p.a.
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$0 - $3,999 0.00%
$4,000 - $14,999 2.00%
$15,000 - $49,999 2.00%
$50,000 - $99,999 2.75%
$100,000 + 3.25%
Bill Blaster
Current rates p.a.
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$0 - $99 0.00%
$100+ 0.50%
Overdrafts
Current rates p.a.
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Secured 12.90%
Authorised 16.90%
Unauthorised 22.00%

Credit cards

Go Fly Credit Cards
Current rates p.a.
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Purchases - $0+ 18.90%
Cash advances - $0+ 21.90%
Low Rate MasterCard
Current rates p.a.
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$0+ 12.90%
MasterCard Zero
Current rates p.a.
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$0+ 15.90%
MasterCard Gold
Current rates p.a.
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$0+ 16.90%

Foreign Currency Accounts

FX US $
Current rates p.a.
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$0 - $9,999 0.00%
$10,000 - $54,999 0.00%
$55,000 + 0.00%
FX GB £
Current rates p.a.
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£0 - £4,999 0.00%
£5,000 - £29,999 0.00%
£30,000 + 0.00%
FX EU €
Current rates p.a.
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€0 - €9,999 0.00%
€10,000 - €39,999 0.00%
€40,000 + 0.00%
FX AU $
Current rates p.a.
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$0 - $9,999 0.00%
$10,000 - $74,999 1.35%
$75,000 + 1.60%
FX JP ¥
Current rates p.a.
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¥0 + 0.00%

You might also be interested in the business banking rates.

Conditions

Kiwibank's terms and conditions and lending criteria apply