Secured Deposit Account Comparison

Flexible Terms. No Transaction Fees.

Term Deposit

4.65% p.a.0 for an 18 month term /month

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90 Day Notice Saver

3.25% p.a.8 Variable Interest Rate /month

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On Call Super Saver

2.25% p.a.16 variable interest rate /month

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Term Deposit

90 Day Notice Saver

On Call Super Saver

Product Features

Is this account be covered by the Depositor Compensation Scheme?

Fees associated with this account

Minimum investment term?

6 months

No minimum investment term

Timeframe to withdraw funds

Term Deposits are fixed. The terms range from 6 months - 5 years

90 days from when you requested the withdraw

1 business day from when you requested the withdraw

Special rates

We offer special rates for investments of $100,000.00 and over

Deposit Amounts

Minimum Deposit Amount

$2,500.00

$100.00

Maximum Deposit Amount

There is no maximum deposit amount

$1,000,000.00

$100,000.00

Interest payment Action

Compounding Quarterly

Direct credit Quarterly

Direct Credit Monthly

Transfer to an Xceda Savings Account Monthly

Transfer to an Xceda Savings Account Quarterly

Compounding Monthly

What is it?

Xceda Term Deposit and Savings Accounts are protected under the Deposit Compensation Scheme (DCS). This covers eligible depositors up to $100,000* per deposit taker (i.e. banks and non-bank deposit takers, including credit unions, building societies, and finance companies that take retail deposits) in the event of a failure, when money is held in DCS-protected accounts.

The DCS is a government scheme that is funded by deposit takers and administered by The Reserve Bank of New Zealand – Te Pūtea Matua.

See more info here: Deposit Compensation Scheme

*The DCS only applies to NZD denominated protected accounts. Foreign currency accounts (including AUD) are not covered by the DCS. For more details on what is covered, see the link below.

Download the DCS explainer from RBNZ here

Secured Investment

Our deposit accounts are secured by a first-ranking charge over all of the present and future assets and undertakings of Xceda, for the benefit of our deposit customers.

Flexible Terms

You can select an on-call account (the Super Saver) or a Term Deposit from 6 to 60 months. This allows you to tailor your deposit account to meet your investment needs.

No hidden fees

There are no hidden fees with our deposit and savings accounts. The advertised rates are net to you (after deduction of applicable withholding tax).

Competitive Rates

Xceda offers competitive rates of interest, helping you reach your savings goals sooner. We offer special rates for investments of $100,000.00 and over.

Track Record

The Xceda investment team has a proven track record of managing term deposit funds for over 25 years. Our business philosophy is based around customer service and integrity.

Promotion Period: November to 19 December 2025.

Special Rate: 6.65% p.a.*

To qualify, loans must meet the following criteria:

Low Doc application
Short-Term Bridging Loan
Loans must be approved by 19 Dec 25 and settled by 31 Jan 26
Non-CCCFA Only

Reach out to the Xceda lending team to get started.

Helen Zheng – h.zheng@xceda.co.nz | 021 240 2481
Lending Team – loans@xceda.co.nz | 0800 11 22 74

Disclaimer:

*Offer available for Xceda’s Short-term Bridging Loans only. Loans must meet all offer criteria to be eligible. Loans outside these terms will revert to Xceda’s standard carded rates. This offer is intended for advisers only. Limited funding available at this price – promotion may end earlier depending on demand. This loan is provided exclusively for business or investment purposes (and not for personal, domestic, or household purposes), it is therefore not subject to the Credit Contracts and Consumer Finance Act 2003 (CCCFA). All loans are subject to Xceda’s lending criteria, standard Loan Fees and Terms and Conditions, available at www.xceda.co.nz.

How-To Guide Videos

How to complete a Term Deposit application