Investments
Term
Investments
Maximise your savings with our term investment options.
Peter and Shona Johnson | Motueka | NBS personal banking and investment clients.
- NBS Term Investments are easy to open and offer you competitive interest rates.
- Get started with a minimum deposit of $5,000.
- Choose a term of 30 days through to 36 months.
- Interest can be paid monthly, quarterly or on maturity.
Rates & Fees
| Term Investment Rates | |
|---|---|
| 30 days | 1.95% p.a. |
| 3 months | 3.25% p.a. |
| 6 months | 3.75% p.a. |
| 9 months | 3.85% p.a. |
| 12 months | 3.60% p.a. |
| 18 months | 4.00% p.a. |
| 24 months | 3.70% p.a. |
| 36 months | 3.70% p.a. |
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Interest rates are current as of 4 July 2025 and subject to change at any time without notice. NBS General Terms and Conditions apply. Please be aware that the rate of return offered by NBS is based on a specific term selected when an investment is made. NBS expects that the funds will be deposited for the nominated term. NBS is not obliged to accept a request for early withdrawal (in part or full) of a term investment. If we do decide to accept such a request, we may charge an early withdrawal fee. The early withdrawal fee is calculated as the amount withdrawn multiplied by 2% and prorated for the number of days invested. The early withdrawal fee will be deducted from the after-tax net interest earned. NBS is not a registered bank. |
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Terms and Conditions
NBS General Terms and Conditions apply. NBS’ current Product Disclosure Statement is available free of charge at any NBS branch.
Minimum $5,000 deposit.
NBS's rates of interest for a particular deposit term are based on the expectation that the funds will be deposited for the full term. NBS is not obliged to accept a request for early withdrawal of a term deposit and if it does decide to accept such a request, it may make an early withdrawal fee in the form of a 2% per annum reduction in the interest rate calculated for the term of the term deposit.
Interest rates are subject to change at anytime without notice. However, once you open your term deposit the rate is fixed for the term you selected.
NBS is not a registered bank.
Credit Rating Information
NBS holds a credit rating of BB+ Stable from Fitch Ratings, a Reserve Bank approved credit rating agency.
Read the 2024 Fitch Ratings report