ANZ Term Deposit Rates NZ 2026
Australia and New Zealand Banking Group - Big 4 Bank
Compare ANZ term deposit rates for January 2026. ANZ is New Zealand's largest bank by total assets, offering competitive term deposit rates with the security of government-protected deposits up to $100,000.
Current ANZ Term Deposit Rates - January 2026
Live rates updated daily from ANZ official sources
| Term Length | Interest Rate | Interest Paid | $10,000 Earns |
|---|---|---|---|
| 5 years | 4.20% Best Rate | Quarterly, six monthly or annually | $420/year |
| 4 years | 4.05% | Quarterly, six monthly or annually | $405/year |
| 3 years | 3.90% | Quarterly, six monthly or annually | $390/year |
| 2 years | 3.65% | Quarterly, six monthly or annually | $365/year |
| 18 months | 3.60% | Quarterly, six monthly or annually | $360/year |
| 1 year | 3.50% | Quarterly, six monthly | $350/year |
| 180 days | 3.45% | Quarterly | $345/year |
| 210 days | 3.45% | Quarterly, six monthly | $345/year |
| 240 days | 3.40% | Quarterly, six monthly | $340/year |
| 270 days | 3.40% | Quarterly, six monthly | $340/year |
| 150 days | 3.30% | - | $330/year |
| 120 days | 3.10% | - | $310/year |
| 90 days | 3.00% | - | $300/year |
| 60 days | 2.00% | - | $200/year |
| 30 days | 1.90% | - | $190/year |
Rates are indicative and subject to change. Contact ANZ directly for current rates and terms.
About ANZ Term Deposits
ANZ (Australia and New Zealand Banking Group) is New Zealand's largest bank by total assets and one of the "Big 4" banks in both Australia and New Zealand. ANZ term deposits offer a secure way to earn fixed returns on your savings with the backing of one of the region's most established financial institutions.
ANZ Term Deposit Features
Flexible Terms
Choose from 1 month to 5 year terms to match your savings goals
Interest Payment Options
Monthly, quarterly, semi-annual, annual, or at maturity
PIE Term Deposits
Tax-efficient option paying tax at your PIR rate (10.5%-28%)
Easy Application
Apply online, in-branch, or via phone banking
How to Open an ANZ Term Deposit
- Visit an ANZ branch or log into ANZ Internet Banking
- Choose your deposit amount (minimum $1,000)
- Select your preferred term length
- Choose your interest payment frequency
- Decide between standard or PIE term deposit
- Review and confirm your application
ANZ Term Deposit FAQs
What are the current ANZ term deposit rates?
ANZ currently offers rates up to 4.20% p.a. Rates vary by term length - see the table above for all current ANZ term deposit rates.
What is the minimum deposit for ANZ term deposits?
ANZ term deposits typically require a minimum deposit of $1,000. Some promotional rates may have higher minimums.
Are ANZ term deposits safe?
Yes. ANZ deposits are protected up to $100,000 per depositor under the NZ Deposit Guarantee Scheme.
Can I withdraw early from an ANZ term deposit?
Yes, but early withdrawal typically results in a reduced interest rate. Contact ANZ for specific break fee terms.
Does ANZ offer PIE term deposits?
Yes. ANZ offers PIE term deposits with tax at your PIR rate (10.5%-28%) instead of standard RWT.
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