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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



p.a. for a 12 months min term*
Request Investor Pack
*Rates valid from 13th March 2024 - Advertised rates are subject to change without notice.
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 


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 both NZD and AUD 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.




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 in either NZD or AUD. 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.% AUD Rate p.a.%
5 Years 6.25% -
4 Years 6.25% -
3 Years 6.50% -
2 Years 7.25% 7.25%
18 Months 7.50% 7.50%
12 Months 7.60% 7.60%
9 Months 7.20% 7.20%
6 Months 7.10% 7.10%

*Rates valid from 13th March 2024 - 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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Product Disclosure Statement

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Financial Statement (Audited)

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Term Deposit Rates

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Frequently Asked Questions


We offer fixed term Secured Term Deposits in both New Zealand Dollar (NZD) and Australian Dollar (AUD) currencies.

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 or AUD$2,500 (as relevant). 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 or through contacting us on 0800 11 22 75 or
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).

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


How can we help you?


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

Gerard Bruijl

★ ★ ★ ★ ★
"Quick & easy to deal with, excellent staff make it ALL happen, & take the hassle away from you."

John Donnelly

★ ★ ★ ★ ★
"Great customer service experience and interest rates. Emma is a very good communicator and made the application process easy."


Talk to us today


Call us


Loans & General Enquiries:

  0800 11 22 74


Savings & Deposits:

  0800 11 22 75