3 Year Term Deposit Rates NZ 2026
3 year term deposit rates NZ 2026: Compare long-term 3-year rates from all NZ banks. Government guaranteed, updated daily. Find the best rates today.
Highest 36-Month Rate
Current best rate across all banks
4.10%
36-Month Term Deposit Rates
Compare rates from all NZ banks
| Bank | Rate | Interest Paid |
|---|---|---|
| Westpac | 4.10% | At maturity, monthly or compounding |
| ASB | 4.00% | 4.00% p.a. |
| Rabobank | 3.96% | 4.00% |
| ANZ | 3.90% | Quarterly, six monthly or annually |
| BNZ | 3.90% | At maturity |
| Kiwibank | 3.65% | At maturity |