Group 6614

Need help call:

0800 11 22 75

Contact email:

invest@xceda.co.nz

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Secured Term Deposits

Get the Best Term Deposits Rates

 

Xceda provides secured term deposit accounts at a better rate offered by the main banks.

 

Our personalised service and strict governance obligations as a Reserve Bank of New Zealand licensed deposit taker have enabled us to proudly
serve New Zealanders for over 25 years.

New Term Deposit Rates

 

5.35%

 
p.a. for a 12 month min term*
Request Investor Pack
*Rates valid from 29 April 2025 - Advertised rates are subject to change without notice.
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See here for the Chinese translated Term Deposits page.

Market leading rates and flexible terms allow you to tailor the term deposit to meet your needs.

 

How can we help you?

Key features of 
Xceda’s Term 
Deposits

 

 

Our term deposit account allows you to deposit a lump sum of money for a fixed period at a predetermined interest rate. At the end of the term, you receive the original deposit plus any accrued interest. Term deposits are considered low-risk investments and typically offer higher interest rates than regular savings accounts.

People

Secured Investment


The deposits are secured by a first-ranking charge over all of the present and future assets and undertakings of the company for greater security and risk management. We offer NZD term deposits.

 

 

Fixed interest returns


Each term deposit has a fixed interest return to you, providing you with the certainty of your interest return at fixed intervals.

 

 

Terms


Flexible terms from 6 to 60 months. This allows investors to tailor the term deposit to meet your investment needs.

 

 

Flexible payments


Investors can elect to receive monthly or quarterly interest payments, or compound quarterly.

 

 

No hidden fees


There are no hidden fees with our term deposits. The fixed rates are net to you.

 

 

Competitive rates


Xceda offers competitive returns to match each investor’s requirements.

 

 

Track record


The Xceda investment team has a proven track record of managing term deposit funds for over 20 years.

Current Term Deposit Rates

We take minimum investments of $2,500 NZD. If you have $100,000 or more to invest for 12 months or longer, Xceda may be able to offer you a special rate!

Current Term Deposit Rates (No fees apply)

 

 

Term NZD Rate p.a.%
5 Years 4.75%
4 Years 4.75%
3 Years 4.75%
2 Years 5.00%
18 Months 5.10%
12 Months 5.35%
9 Months 5.10%
6 Months 5.15%


*Rates valid from 29 April 2025 - Advertised rates are subject to change without notice.

Find out more about our Term Deposits

Market leading rates and flexible terms allow you to tailor the term deposit to meet your needs.

 

How can we help you?

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Deposit Brochure

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Product Disclosure Statement

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Term Deposit Rates

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Financial Statement (Audited)

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Equifax Credit Rating

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Equifax Credit Rating Synopsis (Dec 2024)

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Frequently Asked Questions

People

We offer fixed term Secured Term Deposits in New Zealand Dollar (NZD).

Any individual, company or trust may apply for an Xceda term deposit. We are required by law to obtain from each applicant information as to your personal details (i.e. identification, address and taxation status).
The minimum investment amount is NZ$2,500. There is no maximum investment amount. What is the minimum investment term? Investments can be selected from a minimum of 6 months up to a maximum of 5 years.
You can find our current deposit rates at xceda.co.nz/term-deposits or through contacting us on 0800 11 22 75 or invest@xceda.co.nz.
Yes, we offer special rates for investments of $100,000 and over. Please contact us if you would like more information.
Xceda uses the term deposit funds alongside our own equity to provide lending products to the public. We finance personal loans, small business loans and mortgages. The majority of our lending products are secured against real assets, with 95% of our loans as at 31st March 2023 secured against mortgages over New Zealand property. We also have a 100% subsidiary in Australia called Xceda Finance Pty Ltd which provides commercial loans in the Australian market.
All Term Deposits issued by Xceda Finance Limited rank equally and are secured by a first ranking security interest granted to the Supervisor over all of Xceda’s present and after-acquired personal property and real property, including those of Xceda Finance Pty Ltd (Australia). Term Deposits will also rank equally with all other outstanding term deposits and other debenture stock previously or subsequently issued. In the event of default investors claims rank ahead of all shareholders, unsecured loans and unsecured creditors. There could be claims which have preference by law over the Term Deposits. For further information refer to the current Product Disclosure Statement.
Interest can be paid monthly or quarterly. Or your net interest can be added to your original investment to capitalise on this growth. Interest is paid or capitalised on the last day of each month, or if quarterly then on the last day of March, June, September and December. Interest payments will be paid into your nominated bank account, or into your Xceda Super Saver account (if opened in your name).
Xceda is a Non-Bank Deposit Taker, licensed by the Reserve Bank of New Zealand (“RBNZ”). The RBNZ oversees our operations including our deposit taking and lending activities, in conjunction with other applicable New Zealand regulatory bodies (e.g. the Financial Markets Authority and the Commerce Commission).
Xceda is required under its RBNZ licence to maintain minimum levels of regulatory capital and liquidity ratios to enhance the strength and financial stability of the institution.
Xceda uses the term deposit funds alongside our own equity to provide lending products to the public. We finance personal loans, small business loans and mortgages. The majority of our lending products are secured against real assets, with over 95% of our loans as at 31st March 2024 secured against mortgages over New Zealand property.
At the moment, no deposit funds in NZ institutions are guaranteed by the Government or any other body. However, Xceda is a licensed deposit taker regulated by the Reserve Bank of NZ (RBNZ). Under the Deposit Takers Act 2023 a new Depositor Compensation Scheme (DCS) is to be introduced into NZ so depositors can have confidence that their deposits, in the event of a deposit taker failure, are eligible for compensation up to $100,000 per depositor, per institution. Xceda will be included in the Deposit Compensation Scheme. The current anticipated launch date of the DCS is mid-2025 (see: Protecting your money with the Depositor Compensation Scheme - Reserve Bank of New Zealand - Te Pūtea Matua (rbnz.govt.nz) )

Market leading rates and flexible terms allow you to tailor the term deposit to meet your needs.

 

How can we help you?

Testimonials

★ ★ ★ ★ ★
"This was the first time dealing with Xceda. Good and prompt communication with staff, and no issues regarding my business dealings."

Gerard Bruijl

★ ★ ★ ★ ★
"I am ALWAYS satisfied whenever I have dealings with Xceda. The staff are consistently high standard, helpful, knowledgeable and friendly. It is also REALLY nice to have my calls answered without any frustrating wait time and to talk to someone who is easy to understand and always able to help. Definitely the best financial business I have ever dealt with! 👍"

Kathleen Murray

★ ★ ★ ★ ★
"I have just set up my new Term Deposit account. I must say I am pretty impressed with the whole process from application, AML checks, to set up. In a few weeks I may have some more funds to invest and will do that through the customer account portal. Thank you!"

Anonymous

★ ★ ★ ★ ★
"Very grateful for your help and also patience. I don’t have a lot of experience with financial institutions apart from banks and having a bit of money, however, I would like to say, Xceda is a smooth, prompt, courteous operator. As are you, being a representative of such qualities.So thank you for looking after me."

Maria

Talk to us today

 

Call us

 

Loans & General Enquiries:

  0800 11 22 74

  help@xceda.co.nz

 

Savings & Deposits:

  0800 11 22 75

  invest@xceda.co.nz

 

Overseas:

  +64 7 306 0273