ANZ New Zealand

The ANZ website contains the following categories:

The About ANZ category contains the following sections:

Rates, Fees and Charges

Interest Rates

The following information is current as at Tuesday, 2 December 2008 and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any product.

ANZ lending criteria and fees apply. Interest rates are subject to change.

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Housing Loans
ANZ Standard Variable Rate top
Rate
Variable Rate8.70% p.a.
Rates may differ for existing ANZ customers. Please contact any branch of ANZ for further information.
ANZ Fixed Rate top
Fixed Term Rate
6 months7.65% p.a.
1 year7.30% p.a.
18 months*7.30% p.a.
2 years7.60% p.a.
3 years7.75% p.a.
4 years8.05% p.a.
5 years8.20% p.a.
The above rates may be in the process of changing and thus may vary for existing customers
* Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information
ANZ FlexiPlus top
Rate
Variable9.70% p.a.
Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

Residential Investment Loans
ANZ Standard Variable Rate top
Rate
Variable Rate8.70% p.a.
Rates may differ for existing ANZ customers. Please contact any branch of ANZ for further information.
ANZ Fixed Rate top
Fixed Term Rate
6 months7.65% p.a.
1 year7.30% p.a.
18 months*7.30% p.a.
2 years7.60% p.a.
3 years7.75% p.a.
4 years8.05% p.a.
5 years8.20% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.
*Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information
ANZ FlexiPlus top
Rate
Variable9.70% p.a.
Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

Credit Cards
ANZ Credit Card Rates top
Standard Rate* Cash Advance Rate^
ANZ Everyday Rewards Visa19.95% p.a.22.20% p.a.
ANZ MasterCard22.20% p.a.22.20% p.a.
ANZ Gold MasterCard22.20% p.a.22.20% p.a.
ANZ Visa22.20% p.a.22.20% p.a.
ANZ Visa Gold22.20% p.a.22.20% p.a.
ANZ Visa Platinum19.95% p.a.19.95% p.a.
Qantas ANZ Visa22.20% p.a.22.20% p.a.
Qantas ANZ Visa Platinum22.20% p.a.22.20% p.a.
ANZ Low Rate MasterCard14.90% p.a.22.20% p.a.
ANZ BUSINESS preferred MasterCard21.70% p.a.21.70% p.a.
* The standard rate applies to purchases, previously billed interest and fees.
^ The Cash Advance Rate applies to cash advances and cash substitutes, such as gambling chips or travellers cheques. This rate also applies to interest previously billed for cash advances.

Personal Loans
ANZ Variable Rate top
Rate
Standard Personal Loan18.75% p.a.
ANZ Debt Consolidation Rate top
Debt Consolidation Fixed16.95% p.a.
ANZ Graduate Package top
Graduate Package Loan10.70% p.a.
For the interest rate on Graduate Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate
ANZ Student Package Loan top
Student Package Loan10.70% p.a.
For the interest rate on Student Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate

Overdrafts
Personal Overdraft top
Consumer Overdraft Base Rate13.15% p.a.+ margin
Margin is based on ANZ's lending and eligibility criteria and will be advised on application. Please contact any ANZ branch for further information.

Deposit Accounts

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ANZ Serious Saver top
Amount Rate
Base Rate1.00% p.a.
Bonus Rate*4.50% p.a.
* Bonus interest is obtained when you make a deposit of $10 or more and make no withdrawals within your account’s monthly key date cycle.
ANZ Youth Account top
Amount Rate
All balances4.50% p.a.
ANZ Advantage top
Amount Rate
$0 - $4,9994.00% p.a.
$5,000 - $19,9994.50% p.a.
$20,000 - $49,9995.00% p.a.
$50,000 - $99,9996.00% p.a.
$100,000 plus6.70% p.a.
ANZ Premier top
Amount Rate
$0 - $19,9994.00% p.a.
$20,000 - $49,9994.75% p.a.
$50,000 - $99,9995.25% p.a.
$100,000 plus6.50% p.a.
ANZ Term Deposits top
Special Rate
Term Rate Minimum Investment Special Conditions
120 days6.50% p.a.$10,000Interest on Maturity
12 months5.70% p.a.$10,000Interest on Maturity
Deposit Rates
Term $5,000 - $9,999 $10,000 - $49,999 $50,000 - $999,999
1 mth3.00% p.a.4.00% p.a.4.00% p.a.
2 mths3.00% p.a.4.00% p.a.4.00% p.a.
3 mths5.00% p.a.6.00% p.a.6.00% p.a.
4 mths5.00% p.a.6.00% p.a.6.00% p.a.
5 mths5.00% p.a.6.00% p.a.6.00% p.a.
6 mths5.00% p.a.5.80% p.a.5.80% p.a.
9 mths5.00% p.a.5.80% p.a.5.80% p.a.
12 mths5.00% p.a.5.50% p.a.5.50% p.a.
18 mths5.00% p.a.5.80% p.a.5.80% p.a.
24 mths5.00% p.a.5.80% p.a.5.80% p.a.
3 yrs5.00% p.a.6.00% p.a.6.00% p.a.
4 yrs5.00% p.a.6.00% p.a.6.00% p.a.
5 yrs5.00% p.a.6.20% p.a.6.20% p.a.
For deposits of $1,000,000 or more, contact your local ANZ branch for a quoted rate.
ANZ Online Call Account top
$0 - $1,9990.00% p.a.
$2,000 +6.70% p.a.
Interest is calculated daily on the whole balance and paid monthly.

Car Loans
UDC Standard Car Loan top
Amount Rate
$5,000 - $20,00016.95% p.a.
$20,000 +15.95% p.a.
Early repayment fees apply if the loan is paid off before the due date.

Business Rates
ANZ Business Equity Loan Interest Rates top
Term Rate
Variable8.70% p.a.
Fixed Term Rate
6 months7.65% p.a.
1 year7.30% p.a.
2 years7.60% p.a.
3 years7.75% p.a.
4 years8.05% p.a.
5 years8.20% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.
*Special terms do not qualify for package discounts. Please contact any branch of ANZ for further information
ANZ Business Equity Credit Line top
Term Rate
Variable10.20% p.a.
The above rates may be in the process of changing and thus may vary for existing customers.
ANZ Call Deposit Account top
$0 - $19,9993.65% p.a.
$20,000 - $99,9994.65% p.a.
$100,000 - $249,9995.65% p.a.
$250,000 - $499,9996.30% p.a.
$500,0006.55% p.a.
ANZ Business Call Account top
Amount Rate
$0 - $4,9990.70% p.a.
$5,000 - $19,9992.45% p.a.
$20,000 - $99,9993.20% p.a.
$100,000 - $249,9993.95% p.a.
$250,000 - $499,9994.45% p.a.
$500,000 plus4.95% p.a.
Corporate Indicator Rate (CIR - Corporate) top
2 December 20087.62% p.a.
Business Bank Indicator Rate (BBIR - Corporate) top
12.65% p.a.
Bill Priced Term Loan Floating Indicator Rate top
9.12% p.a.
Bill Priced Flexible Facility Indicator Rate top
9.42% p.a.