An ANZ Term Deposit is a straight forward, easy to understand investment. You can choose to invest from a range of fixed terms (from 30 days to five years), and your interest rate is locked in for the whole term - regardless of movements in the market.

How does it work?

Your interest rate is locked in – giving you certainty and peace of mind as you know exactly what your return will be.

You choose the term – invest for a term that suits your needs from 30 days to five years.

You choose how and when to receive interest -

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

  • paid into any New Zealand bank account monthly, quarterly, six monthly,
    annually or at maturity
  • reinvested (compounded) quarterly, six monthly, annually or at maturity.

For terms of less than 180 days, interest is paid or compounded at maturity.

The minimum investment is $10,000.

How much could you earn?

Use our Term Deposit calculator to work out what your return could be, or check out our current interest rates below.

Interest Rates

Here are the rates for a few of our most popular terms or view our current interest rates

These rates are available for Retail and Business Banking customers up to the first $5,000,000 held by the customer in all term deposits with ANZ. For amounts over this or Institutional customers please contact us.  

What's your next step?

For more information see our Term Deposit Information Brochure (PDF 3.44MB).

Apply Online
Apply online
If you're an existing ANZ customer and have ANZ Internet Banking, the quickest way to apply for your new term deposit is to log on and use the 'Apply and Open' tab.
Call Us
 Call 0800 269 296
Visit an ANZ branch
Find your nearest branch


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

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