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  • Key Features
  • Fees and Charges
  • Terms & Conditions
  • Fixed deposits are accepted in both NZ dollars and US dollars.
  • Minimum deposit required of NZ$1000 (if the account is held in NZ dollars) or US$1000 (if the account is held in US dollars).
  • Minimum period of deposits – One month.
  • Maximum period of deposits – Sixty months.
  • The rate of interest depends on the amount of the deposit, the currency and the maturity period.
  • Interest is paid on maturity. Tax, if applicable, will be deducted as per tax norms.
  • Overdrafts or loans secured against the deposit (NZD) are offered on demand for up to 90% of deposit amount. 
  • Payment of the deposit prior to the maturity date is permitted, with the Bank’s consent. However, in such cases a lesser rate of interest will be paid (see Fees and Charges below).
  • Automatic renewal of the deposit.
  • Facility to view account balance & transactions over Internet.
  • Current Interest Rates
  • Where the deposit is paid to the customer prior to the maturity date, interest will be paid at 1% per annum below the applicable rate for the actual period the deposit was kept with the Bank.
  • Our fees and charges are subject to change from time to time. For all charges please see our service charges.
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