Loans
Home Loan |
Current rates p.a. |
| Variable |
5.65%+ |
| Offset mortgage |
5.50% |
| Capped |
6.50%** |
| Revolving |
5.65% |
| 6 month fixed |
5.65% |
| 1 year fixed |
5.65% |
| 2 year fixed |
5.79% |
| 3 year fixed |
6.10% |
| 4 year fixed |
6.50% |
| 5 year fixed |
6.90% |
+ For all Bridging loans, the interest rate will be 1% above Kiwibank’s variable interest rate.
** This rate is the current capped variable rate limit for one year.
Overdraft |
Current rates p.a. |
| Secured |
12.90% |
| Authorised |
16.90% |
| Unauthorised |
22.00% |
Personal loans and vehicle finance |
Current rates p.a. |
Kiwibank Home Loans customer.
Current rates p.a. |
| Personal loan |
From 14.99% |
From 11.95% |
| Vehicle finance |
From 12.99% to 19.99% p.a.* |
|
* You may be offered an unsecured loan at a different interest rate
Everyday accounts
NOW account |
Current rates p.a. |
| $0+ |
0.00% |
Free up account |
Current rates p.a. |
| $0+ |
0.00% |
Bill Blaster |
Current rates p.a. |
| $0 – $99 |
0.00% |
| $100+ |
0.50% |
Front Runner |
Current rates p.a. |
| $0 – $3,999 |
0.00% |
| $4,000 – $14,999 |
1.50% |
| $15,000 – $49,999 |
1.50% |
| $50,000 – $99,999 |
2.25% |
| $100,000+ |
3.15% |
Savings accounts
First Saver |
Current rates p.a. |
| $0+ |
2.50% |
Back-up Saver |
Current rates p.a. |
| $0+ |
1.00% |
Fast Forward Saver |
Current rates p.a.* |
| $0 – $999 |
1.25% |
| $1,000 – $2,999 |
1.50% |
| $3,000 – $3,999 |
1.50% |
| $4,000+ |
2.00% |
* Rates include bonus interest of 1.00% p.a. if at least $20 is deposited, and no withdrawals are made, each calendar month.
Credit Cards
Credit Card |
Current rates p.a. |
| Go Fly CC-Purchases – $0+ |
18.90% |
| Go Fly CC-Cash advances – $0+ |
21.90% |
| Low Rate Mastercard |
12.90% |
| MasterCard Zero |
15.90% |
| MasterCard Gold |
16.90% |
| Business MasterCard |
16.90% |
Investments
Online Call** |
Current rates p.a. |
| Personal Online Call |
3.15% |
| Business Online Call |
3.15% |
| PIE Online Call |
3.15% |
| PIE Online Call Effective Rate (incl. bonus) |
3.39%*** |
Notice Saver* |
Current rates p.a. |
| 32 days |
4.10% |
| 90 days |
4.30% |
*Account balance must be over $2,000 to earn interest
**Rate includes bonus interest of 0.75% p.a.if no withdrawals are made in a calendar month.
*** The effective rate takes into account the potential tax rates savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.
Term Deposit |
Specials: 4.40% p.a. for 150 days | Minimum $10,000
|
Interest paid at maturity (p.a.) |
$1,000+ | $5,000+ | $10,000+ | $50,000+ |
|---|
| 30 days |
0.00% |
2.75% |
2.75% |
2.75% |
| 60 days |
0.00% |
2.75% |
2.75% |
2.75% |
| 90 days |
2.00% |
3.25% |
3.30% |
3.30% |
| 100 days |
2.00% |
3.25% |
3.30% |
3.30% |
| 120 days |
2.00% |
3.30% |
3.40% |
3.40% |
| 150 days |
2.00% |
4.30% |
4.40% |
4.40% |
| 6 months |
2.00% |
3.80% |
3.90% |
3.90% |
| 1 year |
2.00% |
4.40% |
4.50% |
4.50% |
| 2 years* |
2.00% |
4.70% |
4.80% |
4.80% |
| 3 years* |
2.00% |
4.90% |
5.00% |
5.00% |
| 4 years* |
2.00% |
5.30% |
5.40% |
5.40% |
| 5 years* |
2.00% |
5.70% |
5.80% |
5.80% |
Interest paid monthly (p.a.) |
|---|
| 1 year |
2.00% |
4.35% |
4.45% |
4.45% |
| 2 years* |
2.00% |
4.60% |
4.70% |
4.70% |
| 3 years* |
2.00% |
4.70% |
4.80% |
4.80% |
| 4 years* |
2.00% |
4.95% |
5.05% |
5.05% |
| 5 years* |
2.00% |
5.20% |
5.30% |
5.30% |
* These are Access Term Deposits. 20% of the principal can be withdrawn without penalty.
Kiwibank PIE Term Deposit Fund (Minimum deposit $10,000) |
| Redemption period (term) |
Current rates (Class) |
Effective Rate ** |
| 90 days |
3.30% | 3.55% p.a. |
| 100 days |
3.30% | 3.55% p.a. |
| 120 days |
3.40% | 3.65% p.a. |
| 150 days |
4.40% | 4.73% p.a. |
| 6 months |
3.90% | 4.19% p.a. |
| 1 year |
4.50%* | 4.84% p.a. |
* These are Access Term Deposits. 20% of the principal can be withdrawn without penalty.
**The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.
Rates of $250,000 and over (PIE Term Deposit rates not included) are available by calling 0800 22 33 10. You can also apply by calling any Kiwibank branch.
Interest rates are current as at Saturday, 4 February 2012. Rates are subject to change.
