Tuesday, 17 January 2017

## Home Loan |
Current rates p.a. |
---|---|

Headline rate: 4.35% p.a. fixed for one year. Min 20% equity. | |

Variable | 5.40%+ |

Offset mortgage | 5.40% |

Revolving | 5.45% |

6 month fixed | 4.85% |

1 year fixed | 4.35%* |

2 year fixed | 4.54%* |

3 year fixed | 4.95%* |

4 year fixed | 5.45% |

5 year fixed | 5.55% |

* Minimum 20% equity. The standard 1 year rate is 4.80% p.a., the standard 2 year rate is 4.90% p.a., the standard 3 year rate is 5.20% p.a. (Specials are also available for Welcome Home Loan customers).

+ For all Bridging loans, the interest rate will be 1% above Kiwibank's variable interest rate.

A default interest rate, which is your current interest rate plus 5% p.a. may be charged on each amount that is either overdue or over the limit of your home loan component or portion.

## Overdraft |
Current rates p.a. |
---|---|

Preferential | 12.90% |

Authorised | 16.90% |

Unauthorised | 22.00% |

## Personal loans and Car loans' |
Current rates p.a. |
---|---|

Personal loan from $10,000 | 16.95% |

Personal loan $2000 - $9,999 | 18.95% |

Graduate Package customers $2000 - $15,000 | 13.95% |

Kiwibank Home Loan customers | 13.95% |

Car loans - secured | From 12.99% to 18.95% p.a.* |

** 15.95%p.a rate applies to application made between 25 Oct 2016 – 18 Dec 2016. Lending terms and conditions apply.

* The interest rate will vary depending on a number of factors including amount borrowed, term, your credit rating and security offered. The interest rate and repayment amount will remain the same for the term of the loan.

** Interest rate available for new lending on personal loan applications drawn down from 1 Sep 2015, subject to lending and credit criteria. Where new lending is consolidated with an existing Kiwibank or Latitude provided personal loan, a blended interest rate will apply. The interest rate and repayment amount will remain the same for the term of the loan.

## NOW account |
Current rates p.a. |
---|---|

$0+ | 0.00% |

## Free up account |
Current rates p.a. |
---|---|

$0+ | 0.00% |

## Bill Blaster |
Current rates p.a. |
---|---|

$0 – $99 | 0.00% |

$100+ | 0.10% |

## Front Runner |
Current rates p.a. |
---|---|

$0 – $3,999 | 0.00% |

$4,000 – $14,999 | 0.10% |

$15,000 – $49,999 | 0.10% |

$50,000 – $99,999 | 0.50% |

$100,000+ | 1.75% |

## First Saver |
Current rates p.a. |
---|---|

$0+ | 1.50% |

## Back-up Saver |
Current rates p.a. |
---|---|

$0+ | 0.25% |

## Fast Forward Saver |
Current rates p.a.* |
---|---|

$0 – $999 | 1.10% |

$1,000 – $2,999 | 1.10% |

$3,000 – $3,999 | 1.10% |

$4,000+ | 1.25% |

* Rates include bonus interest of 1.00% p.a. if at least $20 is deposited, and no withdrawals or transfers are made, each calendar month.

## Credit Card |
Current rates p.a. |
---|---|

Low Rate Mastercard - Purchases | 13.45% |

Low Rate Mastercard - Cash advances | 22.95% |

Mastercard Zero - Purchases | 16.90% |

Mastercard Zero - Cash advances | 22.95% |

Mastercard Gold - Purchases | 17.90% |

Mastercard Gold - Cash advances | 22.95% |

## Air New Zealand Airpoints Credit Card |
Current rates p.a. |
---|---|

Airpoints Low Fee - Purchases | 16.90% |

Airpoints Low Fee - Cash advances | 22.95% |

Airpoints Standard and Platinum - Purchases | 20.95% |

Airpoints Standard and Platinum - Cash advances | 22.95% |

## Online Call* |
Current rates p.a. |
---|---|

Personal Online Call | 1.75%** |

Business Online Call | 1.75%*** |

PIE Online Call | 1.75%** |

PIE Online Call Effective Rate (incl. bonus) | 1.88%**** |

## Notice Saver* |
Current rates p.a. |
---|---|

32 days | 2.25% |

90 days | 2.75% |

*Account balance must be over $2,000 to earn interest

**Rate includes bonus interest of 1.00% p.a.if no withdrawals are made in a calendar month.

*** Rate includes bonus interest of 1.00% p.a.if no withdrawals are made in a calendar month.

**** The effective rate takes into account the potential tax rates savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.

## Term Deposit |
||||||
---|---|---|---|---|---|---|

Specials: Term Deposits3.40% p.a. for 120 days | Minimum investment $10,000 | Interest at maturity. | ||||||

## Interest paid at maturity (p.a.) |
$1,000+ | $5,000+ | $10,000+ | $50,000+ | ||

30 days | N/A | 0.65% | 0.75% | 0.75% | ||

60 days | N/A | 1.15% | 1.25% | 1.25% | ||

90 days | 2.00% | 2.40% | 2.50% | 2.50% | ||

100 days | 2.00% | 2.45% | 2.55% | 2.55% | ||

120 days | 2.00% | 3.30% | 3.40% | 3.40% | ||

150 days | 2.00% | 2.90% | 3.00% | 3.00% | ||

6 months | 2.00% | 3.10% | 3.20% | 3.20% | ||

200 days | 2.00% | 3.00% | 3.10% | 3.10% | ||

9 months | 2.00% | 3.10% | 3.20% | 3.20% | ||

1 year | 2.00% | 3.25% | 3.35% | 3.35% | ||

2 years* | 2.00% | 3.30% | 3.40% | 3.40% | ||

3 years* | 2.00% | 3.50% | 3.60% | 3.60% | ||

4 years* | 2.00% | 3.60% | 3.70% | 3.70% | ||

5 years* | 2.00% | 3.75% | 3.85% | 3.85% | ||

## Interim Interest options (p.a.) | ||||||

1 year | 2.00% | 3.20% | 3.30% | 3.30% | ||

2 years* | 2.00% | 3.20% | 3.30% | 3.30% | ||

3 years* | 2.00% | 3.30% | 3.40% | 3.40% | ||

4 years* | 2.00% | 3.25% | 3.35% | 3.35% | ||

5 years* | 2.00% | 3.25% | 3.35% | 3.35% |

* These are Access Term Deposits. 20% of the principal can be withdrawn without penalty.

## Kiwibank PIE Term Deposit Fund (Minimum deposit $10,000) |
||
---|---|---|

Redemption period (term) | Current rates (Class) | Effective Rate * |

90 days | 2.50% | 2.69% p.a. |

100 days | 2.55% | 2.74% p.a. |

120 days | 3.40% | 3.65% p.a. |

150 days | 3.00% | 3.22% p.a. |

6 months | 3.20% | 3.44% p.a. |

200 days | 3.10% | 3.33% p.a. |

9 months | 3.20% | 3.44% p.a. |

1 year | 3.35% | 3.60% p.a. |

*The effective rate takes into account the potential tax rate savings relative to interest earned on a direct investment that would otherwise be assessed at the top marginal tax rate (which is higher than the maximum tax rate on PIE returns). The effective rate may vary depending on the investor's personal taxation position.

Rates of $250,000 and over (PIE Term Deposit rates not included) are available by calling 0800 22 33 10. You can also apply by calling any Kiwibank branch. Interest rates are current as at .

Rates are subject to change.