China Construction Bank Term Deposit Rates
Compare the latest China Construction Bank term deposit interest rates. Updated daily to help you find the best rates from this provider.
China Construction Bank Current Rates
| Term ↕ | Interest Rate ↕ | Credit Rating ↕ | Min Deposit ↕ | |
|---|---|---|---|---|
|
ANZ
|
12 mths | 3.80% | AA- | $10,000 |
|
ANZ
|
18 mths | 3.80% | AA- | $10,000 |
|
ANZ
|
2 years | 3.90% | AA- | $10,000 |
|
ANZ
|
3 years | 4.00% | AA- | $10,000 |
|
ANZ
|
4 years | 4.10% | AA- | $10,000 |
|
ANZ
|
5 years | 4.15% | AA- | $10,000 |
|
ASB
|
12 mths | 3.85% | AA- | $5,000 |
|
ASB
|
18 mths | 3.85% | AA- | $5,000 |
|
ASB
|
2 years | 3.90% | AA- | $5,000 |
|
ASB
|
3 years | 4.05% | AA- | $5,000 |
|
ASB
|
4 years | 4.20% | AA- | $5,000 |
|
ASB
|
5 years | 4.25% | AA- | $5,000 |
|
BNZ
|
12 mths | 3.85% | AA- | $2,000 |
|
BNZ
|
18 mths | 3.85% | AA- | $2,000 |
|
BNZ
|
2 years | 3.90% | AA- | $2,000 |
|
BNZ
|
3 years | 4.00% | AA- | $2,000 |
|
BNZ
|
4 years | 4.10% | AA- | $2,000 |
|
BNZ
|
5 years | 4.20% | AA- | $2,000 |
|
Bank of Baroda
|
12 mths | 3.95% | BBB- | $1,000 |
|
Bank of Baroda
|
18 mths | 3.90% | BBB- | $1,000 |
|
Bank of Baroda
|
2 years | 3.90% | BBB- | $1,000 |
|
Bank of Baroda
|
3 years | 3.85% | BBB- | $1,000 |
|
Bank of Baroda
|
4 years | 3.75% | BBB- | $1,000 |
|
Bank of Baroda
|
5 years | 3.75% | BBB- | $1,000 |
|
Bank of China
|
12 mths | 3.95% | A | $100,000 |
|
Bank of China
|
18 mths | 3.95% | A | $100,000 |
|
Bank of China
|
2 years | 4.05% | A | $100,000 |
|
Bank of China
|
3 years | 4.10% | A | $100,000 |
|
Bank of China
|
4 years | 4.20% | A | $100,000 |
|
Bank of China
|
5 years | 4.20% | A | $100,000 |
|
Bank of India
|
12 mths | 3.90% | BB+ | $5,000 |
|
Bank of India
|
18 mths | 3.95% | BB+ | $5,000 |
|
Bank of India
|
2 years | 4.00% | BB+ | $5,000 |
|
Bank of India
|
3 years | 4.05% | BB+ | $5,000 |
|
Bank of India
|
4 years | 4.10% | BB+ | $5,000 |
|
Bank of India
|
5 years | 4.10% | BB+ | $5,000 |
|
China Construction Bank
|
12 mths | 3.70% | A | $100,000 |
|
China Construction Bank
|
18 mths | 3.75% | A | $100,000 |
|
China Construction Bank
|
2 years | 3.85% | A | $100,000 |
|
China Construction Bank
|
3 years | 3.90% | A | $100,000 |
|
China Construction Bank
|
4 years | 4.00% | A | $100,000 |
|
China Construction Bank
|
5 years | 4.10% | A | $100,000 |
|
Co-operative Bank
|
12 mths | 3.75% | BBB+ | $2,000 |
|
Co-operative Bank
|
18 mths | 3.90% | BBB+ | $2,000 |
|
Co-operative Bank
|
2 years | 4.00% | BBB+ | $2,000 |
|
Co-operative Bank
|
3 years | 4.10% | BBB+ | $2,000 |
|
Co-operative Bank
|
4 years | 4.20% | BBB+ | $2,000 |
|
Heartland Bank
|
12 mths | 3.85% | BBB | $1,000 |
|
Heartland Bank
|
18 mths | 3.90% | BBB | $1,000 |
|
Heartland Bank
|
2 years | 4.00% | BBB | $1,000 |
|
Heartland Bank
|
3 years | 4.15% | BBB | $1,000 |
|
Heartland Bank
|
4 years | 4.25% | BBB | $1,000 |
|
Heartland Bank
|
5 years | 4.35% | BBB | $1,000 |
|
ICBC
|
12 mths | 3.85% | A | $5,000 |
|
ICBC
|
18 mths | 3.85% | A | $5,000 |
|
ICBC
|
2 years | 3.95% | A | $5,000 |
|
ICBC
|
3 years | 4.00% | A | $5,000 |
|
ICBC
|
4 years | 4.15% | A | $5,000 |
|
ICBC
|
5 years | 4.15% | A | $5,000 |
|
Kiwibank
|
12 mths | 3.80% | A1 | $1,000 |
|
Kiwibank
|
2 years | 3.90% | A1 | $1,000 |
|
Kiwibank
|
3 years | 4.00% | A1 | $1,000 |
|
Kiwibank
|
4 years | 4.10% | A1 | $1,000 |
|
Kiwibank
|
5 years | 4.20% | A1 | $1,000 |
|
Rabobank
|
12 mths | 3.90% | A | $1,000 |
|
Rabobank
|
18 mths | 3.95% | A | $1,000 |
|
Rabobank
|
2 years | 3.90% | A | $1,000 |
|
Rabobank
|
3 years | 4.00% | A | $1,000 |
|
Rabobank
|
4 years | 4.15% | A | $1,000 |
|
Rabobank
|
5 years | 4.20% | A | $1,000 |
|
SBS Bank.
|
12 mths | 3.85% | BBB | $1,000 |
|
SBS Bank.
|
18 mths | 3.90% | BBB | $1,000 |
|
SBS Bank.
|
2 years | 3.95% | BBB | $1,000 |
|
SBS Bank.
|
3 years | 4.00% | BBB | $1,000 |
|
TSB Bank
|
12 mths | 3.85% | BBB+ | $1,000 |
|
TSB Bank
|
18 mths | 3.90% | BBB+ | $1,000 |
|
TSB Bank
|
2 years | 4.00% | BBB+ | $1,000 |
|
TSB Bank
|
3 years | 4.10% | BBB+ | $1,000 |
|
TSB Bank
|
4 years | 4.20% | BBB+ | $1,000 |
|
TSB Bank
|
5 years | 4.20% | BBB+ | $1,000 |
|
Westpac
|
12 mths | 3.80% | AA- | $5,000 |
|
Westpac
|
18 mths | 3.90% | AA- | $5,000 |
|
Westpac
|
2 years | 4.00% | AA- | $5,000 |
|
Westpac
|
3 years | 4.10% | AA- | $5,000 |
|
Westpac
|
4 years | 4.10% | AA- | $5,000 |
|
Westpac
|
5 years | 4.10% | AA- | $5,000 |
Last updated: August 07, 2025 at 05:40 AM
China Construction Bank term deposit rates in New Zealand
China Construction Bank New Zealand provides term deposit rates for customers seeking secure investment options with fixed returns. View China Construction Bank’s current rates and investment terms, updated to reflect current market conditions.
How to read China Construction Bank’s rates table
China Construction Bank displays term deposit information showing annual interest rates, minimum deposit requirements, and available investment periods. The rates table includes credit rating information and various term lengths to help you evaluate investment opportunities.
Interest payment frequency & compounding
Contact China Construction Bank about NZ’s interest payment schedules and compounding options - banks typically offer flexible payment arrangements including monthly, quarterly, half-yearly, annual, or at-maturity payment options. Payment timing can influence your investment returns.
Minimum deposits, fees & early withdrawal
Contact China Construction Bank for minimum deposit thresholds and any associated fees in New Zealand. Term deposits typically require minimum investment amounts, with early withdrawal usually subject to penalty provisions.
Breaking China Construction Bank term deposits before maturity may result in reduced interest rates or loss of accrued interest. Contact China Construction Bank for specific break fees and early termination conditions. Contact the bank for detailed penalty structures.
How often rates change & what typically drives changes
China Construction Bank adjusts New Zealand term deposit rates based on:
- RBNZ Official Cash Rate movements and monetary policy changes
- Competition within New Zealand’s banking sector
- International economic conditions and global funding costs
- China Construction Bank’s strategic positioning in the NZ market
Rate updates may occur regularly in response to changing market dynamics.
How China Construction Bank compares
When comparing China Construction Bank with other New Zealand providers, consider:
- Rate positioning: How their offerings compare across different investment terms
- International network: Benefits from China Construction Bank’s global banking presence
- Specialised services: Any unique offerings for customers with China business connections
- Service delivery: Branch accessibility and digital banking capabilities
- Regulatory standing: Compliance with New Zealand banking regulations
Risks & considerations for NZ term deposits
Key considerations for New Zealand term deposit investments:
Interest rate environment: Fixed rates provide certainty but may prevent benefiting from rate increases during your investment period.
Inflation impact: If inflation exceeds deposit rates, the real value of your returns may decline over time.
Liquidity restrictions: Funds remain locked for the agreed term, with penalties typically applying for early withdrawal.
Institutional considerations: Check current New Zealand deposit protection arrangements for China Construction Bank deposits. understand regulatory protections available.
Alternative opportunities: Money committed to term deposits cannot be invested in potentially higher-returning alternatives during the deposit term.
Frequently asked questions
What happens when my China Construction Bank term deposit reaches maturity? You typically have options to reinvest, transfer to another account, or withdraw funds. The bank should notify you before maturity to discuss preferences.
Can I add funds to my existing China Construction Bank term deposit? Term deposits are generally fixed amounts. Additional investments would require opening new, separate deposits.
How is my China Construction Bank term deposit interest taxed in New Zealand? Interest earnings are subject to Resident Withholding Tax deduction based on your prescribed investor rate.
What are the costs if I need to break my term deposit early? Contact China Construction Bank for early withdrawal penalty structure - typically involves reduced interest or forfeiture of accrued earnings.
Does China Construction Bank offer advantages for customers with China business interests? China Construction Bank may offer services or benefits for customers with China business or personal connections. international banks may provide specialised cross-border banking services.
Are there different currency options for term deposits? Contact China Construction Bank for multi-currency term deposit availability. some international banks offer foreign currency deposit products alongside NZ dollar options.
What regulatory framework governs China Construction Bank’s New Zealand operations? China Construction Bank’s NZ operations are regulated by the Reserve Bank of New Zealand under New Zealand banking legislation.