• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Interest is calculated on the daily balance and paid monthly
• Interest rates are indicative only and may be subject to change without notice

• Customers must register for internet banking and opt for email statements
• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Interest is calculated on the daily balance and paid monthly
• Interest rates are indicative only and may be subject to change without notice

*Loyalty saver existing accounts only, no new accounts can be opened.

• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Interest rates are indicative only and may be subject to change without notice

• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Interest rates are indicative only and may be subject to change without notice

• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Interest rates are indicative only and may be subject to change without notice

• Maximum deposit $1.5 million per customer
• Interest rates quoted apply to the whole account balance
• Freedom account: Interest is calculated on the daily balance and paid monthly
• Interest rates are indicative only and may be subject to change without notice

• Interest is calculated on a daily basis
• Investors are advised of their options prior to maturity
• Interest can be paid at regular intervals (monthly or quarterly) or on maturity to any account of your choice.
• Maximum deposit $1.5 million per members
• Minimum deposit is $1,000 for members and $500 for members under 18 years old
• These are indicative rates only and may be subject to change without notice

Apply now

*First Home Buyer special available for new lending to First Home Buyers from $250,000. Minimum 20% equity required. Offer also available for First Home Loans supported by Kāinga Ora - Homes & Communities. This offer is subject to change and could be withdrawn at any time and without notice.

^Salary must be direct credited into a Unity transaction account otherwise standard rates apply. Special rates also apply to First Home Loans, supported by Kāinga Ora - Homes & Communities.

• Terms and conditions and normal lending criteria will apply.
• A margin may apply to existing home loans ranging between 0.50% - 2.00% p.a.
• Interest rates are indicative only and may be subject to change without notice.
• T&Cs and responsible lending criteria apply.

Our personal loan interest rates are floating, which means rates may change during the life of the loan. The interest rate that will apply depends on your credit and financial situation, and our lending criteria. All personal loan rates may be subject to change without notice.

As published on interest.co.nz as at 31 March 2026.

For more information, view our loan agreements and terms and conditions.                

• These are indicative personal loan rates only and may be subject to change without notice.
• T&Cs and responsible lending criteria apply.
• On drawdown a $200 approval fee and other fees will apply. 

• These are indicative rates only and may be subject to change without notice.
• Authorised overdrafts have a floating interest rate of 19.90% p.a. T&Cs and responsible lending criteria apply.
• On drawdown, a $75 approval fee will apply.