ANZ New Zealand

Interest Rates The following information is current as at Thursday, 2 September 2010 and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any product. ANZ lending criteria and fees apply. Interest rates are subject to change. Click on relevant link: Housing Loans Residential Investment Loans Credit Cards Personal Loans Overdrafts Term Deposits Deposit Accounts Car Loans Business Rates
Housing Loans

ANZ Variable Rates				top
	Rate
Simple Variable	6.20% p.a.
Variable Rate	6.95% p.a.
Rates may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

ANZ Fixed Rate				top
	Fixed Term	Rate
	6 months	6.35% p.a.
	1 year	6.45% p.a.
	18 months*	6.65% p.a.
	2 years	6.70% p.a.
	3 years	7.15% p.a.
	4 years	7.45% p.a.
	5 years	7.70% p.a.
The above rates may be in the process of changing and thus may vary for existing customers
* Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information

ANZ FlexiPlus				top
	Rate
Variable	6.20% p.a.
Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.
Residential Investment Loans

ANZ Variable Rates				top
	Rate
Simple Variable	6.20% p.a.
Variable Rate	6.95% p.a.
Rates may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

ANZ Fixed Rate				top
	Fixed Term	Rate
	6 months	6.35% p.a.
	1 year	6.45% p.a.
	18 months*	6.65% p.a.
	2 years	6.70% p.a.
	3 years	7.15% p.a.
	4 years	7.45% p.a.
	5 years	7.70% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.
*Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information

ANZ FlexiPlus				top
	Rate
Variable	6.20% p.a.
Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.
Credit Cards

ANZ Credit Card Rates				top
	Standard Rate*	Cash Advance Rate^
ANZ World Visa	19.95% p.a.	22.20% p.a.
ANZ Airpoints Visa	19.95% p.a.	22.20% p.a.
ANZ MasterCard	19.95% p.a.	22.20% p.a.
ANZ Gold MasterCard	19.95% p.a.	22.20% p.a.
ANZ Visa	19.95% p.a.	22.20% p.a.
ANZ Visa Gold	19.95% p.a.	22.20% p.a.
ANZ World Visa Platinum	19.95% p.a.	22.20% p.a.
ANZ Airpoints Visa Platinum	19.95% p.a.	22.20% p.a.
Qantas ANZ Visa	19.95% p.a.	22.20% p.a.
Qantas ANZ Visa Platinum	19.95% p.a.	22.20% p.a.
ANZ Low Rate MasterCard	13.90% p.a.	17.90% p.a.
ANZ BUSINESS preferred MasterCard	19.50% p.a.	19.50% p.a.
ANZ Visa Purchasing Card	19.50% p.a.	19.50% p.a.
* The standard rate applies to purchases, previously billed interest and fees.
^ The Cash Advance Rate applies to cash advances and cash substitutes, such as gambling chips or travellers cheques. This rate also applies to interest previously billed for cash advances.
Personal Loans

ANZ Variable Rate				top
	Rate
Standard Personal Loan	18.75% p.a.

ANZ Debt Consolidation Rate				top
Debt Consolidation Fixed	16.95% p.a.

ANZ Graduate Package Loan				top
Graduate Package Loan	11.95% p.a.
For the interest rate on Graduate Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate

ANZ Student Package Loan				top
Student Package Loan	11.95% p.a.
For the interest rate on Student Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate
Overdrafts

Personal Overdraft				top
Consumer Overdraft Base Rate		13.15% p.a.	+ margin
Margin is based on ANZ's lending and eligibility criteria and will be advised on application. Please contact any ANZ branch for further information.
Term Deposits

ANZ Term Deposits				top
Special Rate
Term	Rate	Minimum Investment	Special Conditions
6 months	5.10% p.a.	$10,000	Interest paid monthly
9 months	5.10% p.a.	$10,000	Interest paid monthly
12 months	5.20% p.a.	$5,000	Interest paid monthly
Deposit Rates
Term	$5,000 - $9,999	$10,000 - $49,999	$50,000 - $999,999
1 mth	3.00% p.a.	3.00% p.a.	3.00% p.a.
2 mths	3.00% p.a.	3.00% p.a.	3.00% p.a.
3 mths	3.50% p.a.	3.50% p.a.	3.50% p.a.
4 mths	3.25% p.a.	3.50% p.a.	3.50% p.a.
5 mths	3.25% p.a.	4.00% p.a.	4.00% p.a.
6 mths	3.50% p.a.	5.10% p.a.	5.10% p.a.
9 mths	3.50% p.a.	5.10% p.a.	5.10% p.a.
12 mths	5.20% p.a.	5.20% p.a.	5.20% p.a.
18 mths	5.40% p.a.	5.40% p.a.	5.40% p.a.
24 mths	5.50% p.a.	5.50% p.a.	5.50% p.a.
3 yrs	6.00% p.a.	6.00% p.a.	6.00% p.a.
4 yrs	6.50% p.a.	6.50% p.a.	6.50% p.a.
5 yrs	6.75% p.a.	6.75% p.a.	6.75% p.a.
For deposits of $1,000,000 or more, contact your local ANZ branch for a quoted rate.
Deposit Accounts
Click on relevant link: ANZ Serious Saver ANZ Youth Account ANZ Advantage ANZ Premier ANZ Online Call Account

ANZ Serious Saver				top
Amount	Rate
Base Rate	0.75% p.a.
Bonus Rate*	3.00% p.a.
Total Available Rate	3.75% p.a.
* Bonus interest is obtained when you make a deposit of $10 or more and make no withdrawals within your accounts monthly key date cycle.

ANZ Youth Account				top
Amount	Rate
All balances	3.00% p.a.

ANZ Advantage				top
Amount	Rate
$0 - $4,999	0.50% p.a.
$5,000 - $19,999	1.25% p.a.
$20,000 - $49,999	1.50% p.a.
$50,000 - $99,999	1.50% p.a.
$100,000 plus	3.25% p.a.

ANZ Premier				top
Amount	Rate
$0 - $19,999	2.00% p.a.
$20,000 - $49,999	2.75% p.a.
$50,000 - $99,999	3.00% p.a.
$100,000 plus	3.60% p.a.

ANZ Online Call Account				top
$0 - $2,000	3.50% p.a.
$2,000 +	3.50% p.a.
Interest is calculated daily on the whole balance and paid monthly.
Car Loans

UDC Standard Car Loan				top
Amount	Rate
$5,000 - $20,000	16.95% p.a.
$20,000 +	15.95% p.a.
Early repayment fees apply if the loan is paid off before the due date.
Business Rates

ANZ Business Equity Loan Interest Rates				top
Term	Rate
Variable	6.70% p.a.
Fixed Term	Rate
6 months	6.35% p.a.
1 year	6.45% p.a.
2 years	6.70% p.a.
3 years	7.15% p.a.
4 years	7.45% p.a.
5 years	7.70% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.
*Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information

ANZ Business Equity Credit Line				top
Term	Rate
Variable	6.45% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.

ANZ Call Deposit Account				top
$0 - $19,999	1.00% p.a.
$20,000 - $99,999	1.50% p.a.
$100,000 - $249,999	2.50% p.a.
$250,000 - $499,999	2.50% p.a.
$500,000	3.50% p.a.

ANZ Business Call Account				top
Amount	Rate
$0 - $4,999	1.00% p.a.
$5,000 - $19,999	1.00% p.a.
$20,000 - $99,999	1.00% p.a.
$100,000 - $249,999	1.50% p.a.
$250,000 - $499,999	1.50% p.a.
$500,000 plus	2.25% p.a.

Corporate Indicator Rate (CIR - Corporate)				top
02 September 2010	4.69% p.a.

Business Bank Indicator Rate (BBIR - Corporate)				top
10.65% p.a.

Bill Priced Term Loan Floating Indicator Rate				top
6.87% p.a.

Bill Priced Flexible Facility Indicator Rate				top
7.17% p.a.

ANZ New Zealand

The ANZ website contains the following categories:

The About us category contains the following sections:

In this section

Rates, Fees and Charges