Loans

  • Home loans

    Current rates p.a.

    Headline rate:

    4.39% p.a. fixed for one year. Min 20% equity.

    Variable 5.65%+
    Offset mortgage 5.65%
    Revolving 5.65%
    6 month fixed 4.85%
    1 year fixed 4.39%*
    2 year fixed 4.49%*
    3 year fixed 4.85%*
    4 year fixed 5.25%
    5 year fixed 5.35%
  • Personal loans

    Current rates p.a.*
    Personal loan from $10,000 16.95%
    Personal loan $3000 - $9,999 18.95%
    Graduate Package customers $3000 - $15,000 13.95%
    Kiwibank Home Loan customers 13.95%
  • Car loans

    Current rates p.a.
    Car loans - secured From 12.99% to 18.99% p.a.*
  • Overdrafts

    Current rates p.a.
    Preferential 12.90%
    Authorised 16.90%
    Unauthorised 22.00%

Investments

  • Online Call

    Current rates p.a.
    $0 – $1,999 0.00%
    $2,000+ 2.25%*
  • Notice Saver

    Current rates p.a.
    Notice Period $0 – $1,999$2,000+
    32 days N/A2.75%
    90 days N/A3.20%
  • Term Deposit

    Current rates p.a.

    Specials:

    Term Deposits
    3.50% p.a. for 6 months | Minimum investment $10,000

    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    30 days N/A2.20%2.30%2.30%
    60 days N/A2.40%2.50%2.50%
    90 days 2.00%2.80%2.90%2.90%
    100 days 2.00%2.90%3.00%3.00%
    120 days 2.00%3.10%3.20%3.20%
    150 days 2.00%3.20%3.30%3.30%
    6 months 2.00%3.40%3.50%3.50%
    200 days 2.00%3.20%3.30%3.30%
    9 months 2.00%3.35%3.45%3.45%
    1 year 2.00%3.40%3.50%3.50%
    2 years 2.00%3.50%3.60%3.60%
    3 years 2.00%3.60%3.70%3.70%
    4 years 2.00%3.75%3.85%3.85%
    5 years 2.00%3.80%3.90%3.90%
    Interim Interest options
    1 year 2.00%3.35%3.45%3.45%
    2 years 2.00%3.40%3.50%3.50%
    3 years 2.00%3.40%3.50%3.50%
    4 years 2.00%3.40%3.50%3.50%
    5 years 2.00%3.30%3.40%3.40%
  • Access Term Deposit

    Current rates p.a.
    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    2 years 2.00%3.50%3.60%3.60%
    3 years 2.00%3.60%3.70%3.70%
    4 years 2.00%3.75%3.85%3.85%
    5 years 2.00%3.80%3.90%3.90%
    Interim Interest options
    2 years 2.00%3.40%3.50%3.50%
    3 years 2.00%3.40%3.50%3.50%
    4 years 2.00%3.40%3.50%3.50%
    5 years 2.00%3.30%3.40%3.40%
  • PIE Online Call*

    Current rates
    Effective rate
    Bonus return - earned if no withdrawals are made during the month (Class A) 2.25% p.a. 2.42% p.a. if you pay tax at the top marginal rate
    Base return - earned if a withdrawal is made during the month (Class B) 1.25% p.a. 1.34% p.a. if you pay tax at the top marginal rate
  • PIE Term Deposit

    Current rates
    Effective rate
    90 days 2.90% p.a. 3.12% p.a. if you pay tax at the top marginal rate
    100 days 3.00% p.a. 3.22% p.a. if you pay tax at the top marginal rate
    120 days 3.20% p.a. 3.44% p.a. if you pay tax at the top marginal rate
    150 days 3.30% p.a. 3.55% p.a. if you pay tax at the top marginal rate
    6 months 3.50% p.a. 3.76% p.a. if you pay tax at the top marginal rate
    200 days 3.30% p.a. 3.55% p.a. if you pay tax at the top marginal rate
    9 months 3.45% p.a. 3.71% p.a. if you pay tax at the top marginal rate
    1 year 3.50% p.a. 3.76% p.a. if you pay tax at the top marginal rate

Everyday banking

Credit cards

  • Air New Zealand Airpoints Low Fee MasterCard

    Current rates p.a.
    Purchase Interest rate 16.90%
    Cash advance Interest rate 22.95%
  • Air New Zealand Airpoints Standard MasterCard

    Current rates p.a.
    Purchase Interest rate 20.95%
    Cash advance Interest rate 22.95%
  • Air New Zealand Airpoints Platinum MasterCard

    Current rates p.a.
    Purchase Interest rate 20.95%
    Cash advance Interest rate 22.95%
  • Low Rate MasterCard

    Current rates p.a.
    Purchase Interest rate 13.45%
    Cash advance Interest rate 19.95%
  • MasterCard Zero

    Current rates p.a.
    Purchase Interest rate 16.90%
    Cash advance Interest rate 19.95%
  • MasterCard Gold

    Current rates p.a.
    Purchase Interest rate 17.90%
    Cash advance Interest rate 19.95%

Foreign Currency Accounts

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our business banking rates.

Kiwibank’s terms and conditions and lending criteria apply