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Term Deposits

Market leading rates and flexible terms allow you to tailor the term deposit to meet your needs. How can we help you?

Secured Term Deposits

Xceda provides secured term deposit accounts at a premium to the rates 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.

See the RBNZ's Register of Non-Bank Deposit Takers.

The key features of Xceda’s Term Deposits are:

Secured Investment

The deposits are secured by a first-ranking charge over all of the company's current 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, giving 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. 

Term Deposit amounts

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!

Credit Rating

The creditworthiness of Xceda Finance Limited has been rated by Equifax Australia Credit Ratings Pty Ltd (Equifax), a ratings agency approved by the Reserve Bank under section 86 of the Non-bank Deposit Takers Act 2013.

The Company has received a credit rating of ‘B, positive outlook’ from Equifax. For your reference, see a copy of our current credit rating report.

Further information and detail on the credit rating and what it meaning may be found on the Reserve Bank of New Zealand's "Know your credit ratings" factsheet.

How to invest

  1. Read our Product Disclosure Statement.
  2. Decide on a term and interest rate.
  3. Make an Application and provide a Certificate of Identity.
  4. Or call our helpful Investment Team on 0800 11 22 75 or email us on invest@xceda.co.nz.

Note: For each term deposit investment, we are required to either sight original identification documents or to have the Certification completed by a qualified person. If you are unsure of these requirements, please Contact Us at any point in this process - we're here to help!

Not sure what your Resident Withholding Tax Rate is? Visit IRD to read their useful guide.

Investments from outside New Zealand

All investments must be made into our bank account. Funds must be transferred to Xceda Finance in the currency of the term deposit selected by the investor, i.e., in NZD for NZD term deposits, or AUD for AUD term deposits. All interest and principal payments will be made to the investor in the currency of the term deposit. Please see the Product Disclosure Statement for information about the Currency Risks of the investment.

Foreign Account Tax Compliance Act (FATCA)

Investments from US citizens or tax residents are subject to FATCA regulations. These regulations may require Xceda Finance to disclose details about your investment to the Inland Revenue Department in New Zealand, who may, in turn provide information to the IRS in the United States.


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Current Term Deposit Rates

Term NZD Rate p.a.% AUD Rate p.a.%
5 Years 6.75% -
4 Years 6.75% -
3 Years 7.00% -
2 Years 7.35% 7.35%
18 months 7.50% 7.50%
12 months 7.50% 7.50%
9 months 7.10% 7.10%
6 months 6.85% 6.85%

Rates valid from 12 September 2023 - Advertised rates are subject to change without notice.



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

Google review
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

Investments & Term Deposits

0800 11 22 75

Email us


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