12 Month Term Deposit Rates NZ 2026
12 month term deposit rates NZ 2026: Compare the most popular 1-year rates from all NZ banks. Government guaranteed, updated daily. Find the best annual term deposit rates today.
Highest 12-Month Rate
Current best rate across all banks
3.57%
12-Month Term Deposit Rates
Compare rates from all NZ banks
| Bank | Rate | Interest Paid |
|---|---|---|
| Rabobank | 3.57% | 3.60% |
| Westpac | 3.55% | At maturity, monthly or compounding |
| BNZ | 3.55% | At maturity |
| ANZ | 3.50% | Quarterly, six monthly |
| Co-operative Bank | 3.50% | 3.50% p.a. |
| Kiwibank | 3.50% | At maturity |
| Kiwibank | 3.50% | At maturity |
| ASB | 3.45% | 3.45% p.a. |