Interest rates

The following information is current from 7 August 2017 and is subject to change.

Personal savings accounts

Pacific Savings Account

Base interest rate Bonus interest rate* Total interest rate
0.30% p.a. 2.00% p.a. 2.30% p.a.

* Bonus interest is earned when you make no withdrawals and deposit $10 or more (not including credit interest) on or before the last business day of the month, and have a minimum balance of $10.

Priority Cash Management Account

Amount Interest rate
$0-$4,999.99 0.30% p.a.
$5,000-$9,999.99 0.80% p.a.
$10,000-$19,999.99 1.50% p.a.
$20,000+ 2.50% p.a.

Term Deposits

Term Interest rate ($5,000+-$250,000)
1 month 2.50% p.a.
2 months 2.50% p.a.
3 months 2.80% p.a.
4 months 2.80% p.a.
5 months 3.30% p.a.
6 months 3.40% p.a.
9 months 3.50% p.a.
12 months 3.50% p.a.

Term deposit interest rates are available for Retail Banking customers. For interest rates on term deposits in excess of $250,000 or outside the above terms, please contact us.

 

Home Loans

ANZ lending criteria, terms, conditions and fees apply.  You should seek confirmation of interest rates from ANZ before taking out any loan.

Type Interest rate*
Variable rate 9.50% p.a.
Residential investment property variable rate 10.50% p.a.

* An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Personal Loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type Interest rate*
Secured 15.80% p.a.
Unsecured 18.75% p.a.
Partially secured 17.50% p.a.

* An additional margin may be applied after a credit risk assessment has been completed on a loan application.

 

See our Fees and Charges for all Cook Islands products and services.

All interest rates are on a per annum basis. All dollar amounts are in New Zealand Dollars.