Kiwibank: Print rates

[Pages:2]Loans

Headline rat e: 4.49% p.a. for 3 year fixed. Min 20% equity

Home lo a n t erms

Special int erest rate*

If you have more t han 20% equit y

St andard int erest rate

If you have less t han 20% equit y

6 month fixed

3.99% p.a.

4.84% p.a.

1 year fixed 3.49% p.a.

4.34% p.a.

2 year fixed 4.15% p.a.

5.00% p.a.

3 year fixed 4.49% p.a.

5.34% p.a.

4 year fixed 4.69% p.a.

5.54% p.a.

5 year fixed 4.85% p.a.

5.70% p.a.

Variable

4.00% p.a.+

4.00% p.a. +

Offset variable

4.00% p.a.

4.00% p.a.

Revolving 4.05% p.a.

4.05% p.a.

* For fixed First Home Loans with less than 10% equity, a 0.25% premium will apply and will be added to the special interest rate.

+ 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.

Overdraf t

Current rat es p.a.

Preferential Overdraft

12.90% p.a.

Authorised Overdraft

16.90% p.a.

Unauthorised Overdraft

22.00% p.a.

Tertiary and Graduate Overdraft

5.00% p.a.

Everyday accounts

NOW account $0+ Free Up account $0+ Bill Blast er $0 - $99 $100+ Front Runner $0 - $3,999 $4,000 -$14,999 $15,000 - $49,999 $50,000 - $99,999 $100,000+

Cre dit c ards

Current rat es p.a. 0.00% p.a. Current rat es p.a. 0.00% p.a. Current rates 0.00% p.a. 0.10% p.a. Current rat es p.a. 0.00% p.a. 0.10% p.a. 0.10% p.a. 0.10% p.a. 0.15% p.a.

Credit card Low Rate Visa - Purchases Low Rate Visa - Cash Advances Zero Visa - Purchases Zero Visa - Cash Advances Platinum Visa - Purchases Platinum Visa - Cash Advances

Current rat es p.a. 12.90% p.a. 12.90% p.a. 12.90% p.a. 12.90% p.a. 13.95% p.a. 13.95% p.a.

Interes t Rates 1:39AM (NZST), 25 November 2021

Personal loans and Car loans Current rat es p.a.

Personal loan from $2,000 (special)

9.95% p.a. or 11.95% p.a ..* *

Personal loan from $2,000 $9,999

18.95% p.a.

Personal loan from $10,000

16.95% p.a.

Personal loan from $20,000

13.95% p.a.

Graduate Pack customers $2000 - 13.95% p.a. $15,000

Kiwibank Home Loan customers 13.95% p.a.

Car loans - secured

From 12.99% p.a. to 18.95% p.a.*

* 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.

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.

**The special interest rates are available until 19 December 2021 and loans must be drawn down by 24 December 2021. Rates are fixed for the life of the loan.

When working out what interest rate you're eligible for, we'll look at things like your credit history, income, expenses, and how much you want to borrow. See personal loans page for more details.

Saving s ac c ounts

First Saver

Current rat es p.a.

$0+

0.30% p.a.

Back-up Saver

Current rat es p.a.

$0+

0.10% p.a.

Fast Forward Saver

Current rat es p.a.*

$0+

0.30% p.a.

* Rates include bonus interest of 0.20% p.a. if at least $20 is deposited, and no withdrawals or transfers are made, each calendar month.

Air New Zealand Airpoint s Credit Ca r d Airpoints Low Fee Visa - Purchases Airpoints Low Fee Visa - Cash Advances Airpoints Standard Visa - Purchases Airpoints Standard Visa - Cash Advances Airpoints Platinum Visa - Purchases Airpoints Platinum Visa - Cash Advances

Current rates p.a . 16.90% p.a. 16.90% p.a. 20.95% p.a. 20.95% p.a. 20.95% p.a. 20.95% p.a.

Interes t Rates

Inve stme nts

1:39AM (NZST), 25 November 2021

Online Call* Personal Online Call Business Online Call PIE online call PIE Online Call effective rate (incl. bonus)

Current rat es p.a. 0.40% p.a.** 0.40% p.a.*** 0.40% p.a.** 0.47% p.a.****

Not ice Saver* 32 days' notice 90 days' notice

Current rat es p.a. 0.55% p.a. 1.25% p.a.

*Account balance must be over $2,000 to earn interest. ** Rate includes bonus interest of 0.20% p.a. if no withdrawals are made within the calendar month. *** Rate includes bonus interest of 0.20% p.a. if no withdrawals are made within the 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.

Te rm De posit

Special: 2.00% p.a. for 1 year. Minimum investment $10,000. Interest at maturity.

Int erest paid at mat urit y (p.a)

$1,000+

$5,000+

30 days

N/A

0.20% p.a.

60 days

N/A

0.30% p.a.

90 days

0.25% p.a.

0.60% p.a.

100 days

0.25% p.a.

0.70% p.a.

120 days

0.25% p.a.

1.10% p.a.

150 days

0.25% p.a.

1.15% p.a.

6 months

0.50% p.a.

1.40% p.a.

200 days

0.50% p.a.

1.35% p.a.

9 months

0.50% p.a.

1.45% p.a.

1 year

0.50% p.a.

1.90% p.a.

2 years

0.50% p.a.

2.40% p.a.

3 years

0.50% p.a.

2.65% p.a.

4 years

0.50% p.a.

2.90% p.a.

5 years

0.50% p.a.

3.00% p.a.

Int erim int erest opt ions (p.a.)

$1,000+

$5,000+

1 year

0.50% p.a.

1.90% p.a.

2 years

0.50% p.a.

2.40% p.a.

3 years

0.50% p.a.

2.65% p.a.

4 years

0.50% p.a.

2.90% p.a.

5 years

0.50% p.a.

3.00% p.a.

$10,000+ 0.30% p.a. 0.40% p.a. 0.70% p.a. 0.80% p.a. 1.20% p.a. 1.25% p.a. 1.50% p.a. 1.45% p.a. 1.55% p.a. 2.00% p.a. 2.50% p.a. 2.75% p.a. 3.00% p.a. 3.10% p.a. $10,000+ 2.00% p.a. 2.50% p.a. 2.75% p.a. 3.00% p.a. 3.10% p.a.

$50,000+ 0.30% p.a. 0.40% p.a. 0.70% p.a. 0.80% p.a. 1.20% p.a. 1.25% p.a. 1.50% p.a. 1.45% p.a. 1.55% p.a. 2.00% p.a. 2.50% p.a. 2.75% p.a. 3.00% p.a. 3.10% p.a. $50,000+ 2.00% p.a. 2.50% p.a. 2.75% p.a. 3.00% p.a. 3.10% p.a.

Kiwibank P IE Te rm De posit Fund (minimum de posit $10,000)

Redempt ion period (t erm)

Current rat es (Class)

Ef f ect ive rat e *

90 days

0.70% p.a.

0.83% p.a.

100 days

0.80% p.a.

0.94% p.a.

120 days

1.20% p.a.

1.42% p.a.

150 days

1.25% p.a.

1.48% p.a.

6 months

1.50% p.a.

1.77% p.a.

200 days

1.45% p.a.

1.71% p.a.

9 months

1.55% p.a.

1.83% p.a.

1 year

2.00% p.a.

2.36% p.a.

Term Deposit rates apply to the first $5 million of total deposits you hold with Kiwibank. If you are investing more than $5 million, please contact us to discuss rates.

*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..

Interest rates are current as at 1:39AM (NZST), 25 November 2021. Rates are subject to change.

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