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ANZ Term Deposits

Grow your savings by investing with a fixed interest rate for the length of time you choose (minimum investment $10,000).


Flexible timeframes

Invest for a term that suits your needs, from 30 days to five years.

Your interest rate is locked in

Enjoy certainty and peace of mind from knowing exactly what your return will be.

You choose how and when to receive interest

For terms of 180 days or more you can receive interest at regular intervals, at the end of the term or have it reinvested – it’s your choice.

Term deposit rates


120 days (Approx. 4 months)

180 days (Approx. 6 months)

240 days (Approx. 8 months)

3 years

Rates are subject to change. Minimum investment $10,000.

Rates apply up to the first $5,000,000 held by the customer in all term deposits with ANZ and are only available to Retail and Business Banking customers. For all other rates, please contact us.

term deposit rates
Term Rate
30 days
60 days
90 days   
120 days   
150 days
180 days
210 days
240 days
270 days
1 year
18 months
2 years
3 years
4 years
5 years

Need more information?

Download our ANZ Term Deposit brochure (PDF 1.1MB)

What could your return be?

Use our term deposit calculator to find out how your savings can grow.

Calculate my returns

How it works

Choose how long you want to invest for (the term of the investment) and you’ll know exactly how much your return will be. 

Before investing, think about whether you’ll need access to your money -  with a term deposit, you shouldn’t expect to access your money before the maturity date. If you might need access, our ANZ Business Premium Call account may be more suitable for you.

Your interest

For investment terms of 180 days or more, interest can be:

  • paid at regular intervals (monthly, quarterly, six monthly or annually).
  • paid at the end of the term.
  • reinvested (quarterly, six monthly or annually).

It’s your choice. 

Other terms are paid or reinvested at maturity.

7 day ‘cooling off’ period

For Retail and Business Banking customers you will have a 7 calendar day 'cooling-off' period, starting on the day that we open or reinvest your term deposit for you. During this time, you can cancel your term deposit, change the investment term or change the amount of your investment.

Early withdrawals

Your investment is locked in until the end of your term – this helps you save and protects you from changes in interest rates. 

If you need the money you invested in a term deposit, you can request an early withdrawal. You'll need to either:

  • tell us if you're suffering from financial hardship (businesses with total ANZ deposits of $2m or more will not qualify for early withdrawal on the grounds of hardship). 
  • give us 31 days notice of the withdrawal. 

If we agree to the early withdrawal, we’ll reduce your rate by  on the amount you withdraw (your return will not go below 0%).


  • No fees to open a term deposit
  • No monthly account maintenance fees
  • No management fees

See Term Deposits and Term Investments rates

How to apply

Call us

General business enquiries

7 days a week, 6am - midnight

Business specialists available

Weekdays, 8am - 7pm

Weekends, 9am - 5pm

0800 269 249

From overseas: +64 9 523 7220


Visit us

Find your local branch and make an appointment to talk to a business specialist.

Find a branch


Related products

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ANZ Business Current account

ANZ Business Premium Call account

Make your money work harder – get competitive interest rates while you save for things like GST payments and other expenses.

ANZ Business Premium Call account

ANZ Business Start-up package

Make your money work harder – get competitive interest rates while you save for things like GST payments and other expenses.

ANZ Business Start-up package

Help and support 

See all help and support articles

A copy of the General Terms and Conditions is available from any ANZ branch.

A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

Term deposits with ANZ are not deposits or liabilities of Australia and New Zealand Banking Group Limited. Australia and New Zealand Banking Group Limited does not stand behind or guarantee ANZ Bank New Zealand Limited.

Australian Prudential Regulatory Authority (APRA) regulates all Authorised Deposit Taking Institutions (ADI) in Australia. Australia and New Zealand Banking Group Limited is an ADI however ANZ Bank New Zealand Limited is not an ADI.

Cooling-off period: If you cancel your term investment during your cooling-off period, we won’t pay you any return you may have earned during that period. If you change the term or amount of your investment during your cooling-off period, a different rate of return may apply.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.