Term Deposit rates

Westpac's current term deposit rates as at 9 February 2010 (rates are subject to change without notice).

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Standard rate 4.60 100 days $10,000 min* Standard rate 5.20 12 months $10,000 min* SuperGold rate 4.60 6 months interest monthly $5,000 min^

^The SuperGold card rate is available to all Westpac customers aged 65 and over.


Fixed term deposit rates


Term	$5,000-$9,999	$10,000-$49,999	$50,000-$99,999	$100,000-$249,999

30 - 59 days	2.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

60 - 89 days	3.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

90 - 94 days	3.50% p.a.	3.50% p.a.	3.50% p.a.	3.50% p.a.

95 - 100 days	3.75% p.a.	4.60% p.a.*	4.60% p.a.*	4.60% p.a.*

101 - 119 days	3.50% p.a.	3.50% p.a.	3.50% p.a.	3.50% p.a.

120 - 149 days	3.25% p.a.	3.25% p.a.	3.25% p.a.	3.25% p.a.

150 - 179 days	3.25% p.a.	3.25% p.a.	3.25% p.a.	3.25% p.a.

180 - 239 days	3.50% p.a.	4.20% p.a.	4.20% p.a.	4.20% p.a.

240 - 269 days	3.50% p.a.	3.50% p.a.	3.50% p.a.	3.50% p.a.

270 days < 12 months	3.50% p.a.	3.50% p.a.	3.50% p.a.	3.50% p.a.

12 months < 18 months	4.50% p.a.	5.20% p.a.*	5.20% p.a.*	5.20% p.a.*

18 months < 2 years	4.60% p.a.	5.40% p.a.	5.40% p.a.	5.40% p.a.

2 years < 3 years	5.50% p.a.	5.50% p.a.	5.50% p.a.	5.50% p.a.

3 years < 4 years	5.50% p.a.	6.00% p.a.	6.00% p.a.	6.00% p.a.

4 years < 5 years	5.50% p.a.	6.50% p.a.	6.50% p.a.	6.50% p.a.

5 years	6.25% p.a.	6.75% p.a.	6.75% p.a.	6.75% p.a.


* For term deposits less than 12 months or for special term deposit rates, interest is paid at maturity. For longer terms you can choose to have interest paid quarterly, six-monthly, annually or at maturity. The default interest payment frequency is quarterly. Interest on term deposits 12 months or longer may be compounded or paid regularly to any New Zealand bank account.

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Monthly income option


Term	$5,000-$9,999	$10,000-$49,999	$50,000-$99,999	$100,000-$249,999

180 - 239 days	3.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

240 - 269 days	3.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

270 days < 1 years	3.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

1 years < 2 years	3.00% p.a.	3.00% p.a.	3.00% p.a.	3.00% p.a.

2 years < 3 years	4.00% p.a.	4.00% p.a.	4.00% p.a.	4.00% p.a.

3 years < 4 years	4.00% p.a.	4.00% p.a.	4.00% p.a.	4.00% p.a.

4 years < 5 years	4.00% p.a.	4.00% p.a.	4.00% p.a.	4.00% p.a.

5 years	4.00% p.a.	4.00% p.a.	4.00% p.a.	4.00% p.a.


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Compounding deposit option


Term	$5,000-$9,999	$10,000-$49,999	$50,000-$99,999	$100,000-$249,999

12 months < 18 months	4.50% p.a.	5.20% p.a.*	5.20% p.a.*	5.20% p.a.*

18 months < 2 years	4.60% p.a.	5.40% p.a.	5.40% p.a.	5.40% p.a.

2 years < 3 years	5.50% p.a.	5.50% p.a.	5.50% p.a.	5.50% p.a.

3 years < 4 years	5.50% p.a.	6.00% p.a.	6.00% p.a.	6.00% p.a.

4 years < 5 years	5.50% p.a.	6.50% p.a.	6.50% p.a.	6.50% p.a.

5 years	6.25% p.a.	6.75% p.a.	6.75% p.a.	6.75% p.a.


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You can get a copy of the current disclosure statement for Westpac New Zealand Limited and a copy of the investment statement for any securities for which an investment statement is required from any Westpac branch in New Zealand free of charge. Interest rates quoted are subject to change. Full details of the terms and conditions are available from any Westpac branch in New Zealand.

The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.