DEPOSITRATES
Our deposit rates are regularly reviewed to ensure competitive returns. Check the latest rates and make the most of your investment today.
SECUREDDEPOSITS
General Finance offers secured term deposit accounts with competitive rates, often outperforming those offered by the major banks.
With over three decades of experience, our personalised service and strong governance, as a Reserve Bank of New Zealand licensed Non-bank Deposit Taker, ensure your savings are managed with care, compliance and commitment.
Do you qualify for a bonus?
If you’re a shareholder in General Capital, you will earn an extra 0.1% on top of the standard interest rates
Secured investment
Your deposit is secured by a first-ranking charge over all current and future assets of General Finance, providing added protection and confidence for our deposit customers.
Flexible terms
Choose from a range of terms, from 3 to 60 months, or opt for an on-call savings account to suit your investment goals and cashflow needs.
No hidden fees
We believe in transparency. The rates we advertise are what you receive (after applicable withholding tax), with no hidden fees or charges.
Competitive returns
Our rates are designed to help you grow your savings faster, backed by personal service, financial integrity, and trusted governance.
Current rates are:
MONTHS
%PA
3
3.40% PA
4
3.50% PA
5
3.60% PA
6
3.70% PA
9
3.80% PA
12
3.90% PA
15
3.90% PA
18
4.00% PA
24
3.80% PA
30
3.80% PA
36
3.80% PA
42
3.80% PA
48
4.00% PA
54
4.00% PA
60
4.00% PA
*Any maturity dates between 3 months and 5 years can be requested. The applicable interest rate will be the longest completed term.
Minimum deposit $2,000
For deposits of $25,000 or more, interest can be paid monthly
For deposits over NZ$100,000 with terms longer than one year, explore our Special Management Approved Interest Rates or contact us for a personalised quote
Rates are effective as from 17 November 2025.
Rates are subject to change without notice.
To view information on our current credit rating
Also, see page 4 of our Product Disclosure Statement.