Loans

  • Home loans

    Current rates p.a.

    Specials:

    5.75% p.a. fixed for two years. $2000 cash bonus on new lending over $100k when everyday banking is moved to Kiwibank. Min 20% equity.5.99% p.a. fixed for five years. Min 20% equity. The standard 5 year rate is 6.69%. Limited time only.

    Variable 6.65%+
    Offset mortgage 6.55%
    Revolving 6.65%
    6 month fixed 5.89%
    1 year fixed 5.69%
    2 year fixed 5.75%*
    3 year fixed 6.09%
    4 year fixed 6.59%
    5 year fixed 5.99%**
  • Personal loans

    Current rates p.a.
    Personal loan From 14.99%
    Personal loan - Kiwibank Home Loan customers From 11.95%
  • Car loans

    Current rates p.a.
    Car loans From 12.99% to 18.99% p.a.*

Investments

  • Online Call

    Current rates p.a.
    $0 – $1,999 0.00%
    $2,000+ 3.15%*
  • Notice Saver

    Current rates p.a.
    Notice Period $0 – $1,999$2,000+
    32 days N/A3.80%
    90 days N/A4.35%
  • Term Deposit

    Current rates p.a.

    Specials:

    Term Deposits
    4.50% p.a. for 6 months | Minimum investment $10,000 | Interest at maturity

    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    30 days N/A3.40%3.50%3.50%
    60 days N/A3.40%3.50%3.50%
    90 days 2.00%3.65%3.75%3.75%
    100 days 2.00%3.40%3.50%3.50%
    120 days 2.00%3.65%3.75%3.75%
    150 days 2.00%3.65%3.75%3.75%
    6 months 2.00%4.40%4.50%4.50%
    200 days 2.00%3.90%4.00%4.00%
    9 months 2.00%3.90%4.00%4.00%
    1 year 2.00%4.50%4.60%4.60%
    2 years 2.00%4.65%4.75%4.75%
    3 years 2.00%4.90%5.00%5.00%
    4 years 2.00%5.15%5.25%5.25%
    5 years 2.00%5.40%5.50%5.50%
    Interim Interest options
    1 year 2.00%4.45%4.55%4.55%
    2 years 2.00%4.55%4.65%4.65%
    3 years 2.00%4.70%4.80%4.80%
    4 years 2.00%4.80%4.90%4.90%
    5 years 2.00%4.90%5.00%5.00%
  • Access Term Deposit

    Current rates p.a.
    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    2 years 2.00%4.65%4.75%4.75%
    3 years 2.00%4.90%5.00%5.00%
    4 years 2.00%5.15%5.25%5.25%
    5 years 2.00%5.40%5.50%5.50%
    Interim Interest options
    2 years 2.00%4.55%4.65%4.65%
    3 years 2.00%4.70%4.80%4.80%
    4 years 2.00%4.80%4.90%4.90%
    5 years 2.00%4.90%5.00%5.00%
  • PIE Online Call*

    Current rates
    Effective rate
    Bonus return - earned if no withdrawals are made during the month (Class A) 3.15% p.a. 3.39% p.a. if you pay tax at the top marginal rate
    Base return - earned if a withdrawal is made during the month (Class B) 2.40% p.a. 2.58% p.a. if you pay tax at the top marginal rate
  • PIE Term Deposit

    Current rates
    Effective rate
    90 days 3.75% p.a. 4.03% p.a. if you pay tax at the top marginal rate
    100 days 3.50% p.a. 3.76% p.a. if you pay tax at the top marginal rate
    120 days 3.75% p.a. 4.03% p.a. if you pay tax at the top marginal rate
    150 days 3.75% p.a. 4.03% p.a. if you pay tax at the top marginal rate
    6 months 4.50% p.a. 4.84% p.a. if you pay tax at the top marginal rate
    200 days 4.00% p.a. 4.30% p.a. if you pay tax at the top marginal rate
    9 months 4.00% p.a. 4.30% p.a. if you pay tax at the top marginal rate
    1 year 4.60% p.a. 4.94% p.a. if you pay tax at the top marginal rate

Everyday banking

Credit cards

Foreign Currency Accounts

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our business banking rates.

Kiwibank’s terms and conditions and lending criteria apply