Loans

  • Home loans

    Current rates p.a.

    Headline rate:

    4.65% p.a. fixed for 2 years. Min 20% equity.

    Variable 6.15%+
    Offset mortgage 6.15%
    Revolving 6.15%
    6 month fixed 5.29%
    1 year fixed 4.79%*
    2 year fixed 4.65%*
    3 year fixed 4.99%*
    4 year fixed 5.39%
    5 year fixed 5.50%*
  • Personal loans

    Current rates p.a.
    Personal loan from $10,000 16.95%
    Personal loan $3000 - $10,000 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+ 2.75%*
  • Notice Saver

    Current rates p.a.
    Notice Period $0 – $1,999$2,000+
    32 days N/A3.30%
    90 days N/A3.75%
  • Term Deposit

    Current rates p.a.

    Specials:

    Term Deposits
    3.80% p.a. for 100 days | Minimum investment $10,000 | Interest at maturity

    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    30 days N/A2.65%2.75%2.75%
    60 days N/A2.90%3.00%3.00%
    90 days 2.00%3.40%3.50%3.50%
    100 days 2.00%3.70%3.80%3.80%
    120 days 2.00%3.50%3.60%3.60%
    150 days 2.00%3.50%3.60%3.60%
    6 months 2.00%3.50%3.60%3.60%
    200 days 2.00%3.50%3.60%3.60%
    9 months 2.00%3.50%3.60%3.60%
    1 year 2.00%3.70%3.80%3.80%
    2 years 2.00%3.75%3.85%3.85%
    3 years 2.00%3.90%4.00%4.00%
    4 years 2.00%4.10%4.20%4.20%
    5 years 2.00%4.30%4.40%4.40%
    Interim Interest options
    1 year 2.00%3.65%3.75%3.75%
    2 years 2.00%3.65%3.75%3.75%
    3 years 2.00%3.70%3.80%3.80%
    4 years 2.00%3.75%3.85%3.85%
    5 years 2.00%3.80%3.90%3.90%
  • Access Term Deposit

    Current rates p.a.
    Interest paid at maturity
    Term $1,000+$5,000+$10,000+$50,000+
    2 years 2.00%3.75%3.85%3.85%
    3 years 2.00%3.90%4.00%4.00%
    4 years 2.00%4.10%4.20%4.20%
    5 years 2.00%4.30%4.40%4.40%
    Interim Interest options
    2 years 2.00%3.65%3.75%3.75%
    3 years 2.00%3.70%3.80%3.80%
    4 years 2.00%3.75%3.85%3.85%
    5 years 2.00%3.80%3.90%3.90%
  • PIE Online Call*

    Current rates
    Effective rate
    Bonus return - earned if no withdrawals are made during the month (Class A) 2.75% p.a. 2.96% p.a. if you pay tax at the top marginal rate
    Base return - earned if a withdrawal is made during the month (Class B) 1.75% p.a. 1.88% p.a. if you pay tax at the top marginal rate
  • PIE Term Deposit

    Current rates
    Effective rate
    90 days 3.50% p.a. 3.76% p.a. if you pay tax at the top marginal rate
    100 days 3.80% p.a. 4.08% p.a. if you pay tax at the top marginal rate
    120 days 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    150 days 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    6 months 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    200 days 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    9 months 3.60% p.a. 3.87% p.a. if you pay tax at the top marginal rate
    1 year 3.80% p.a. 4.08% p.a. if you pay tax at the top marginal rate

Everyday banking

Credit cards

Foreign Currency Accounts

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Kiwibank’s terms and conditions and lending criteria apply