Welcome Term Investments
Competitive term investment rates designed to help you get more from your savings.
Your eligible deposits are protected by the Depositor Compensation Scheme up to $100k per eligible depositor*
We're New Zealand owned, New Zealand based, and investing only in secured first-ranking New Zealand mortgages.
Welcome delivers you better returns without compromise.
Terms & Conditions Apply
Welcome is licensed by the Reserve Bank of New Zealand – Te Pūtea Matua, and the Financial Markets Authority, and offers DCS*-protected term investments.
Choose from a range of fixed terms with competitive rates and let your money work harder while you focus on what's ahead.
Receive regular interest payments or compound your returns for growth, the choice is yours.
Apply online in 10 minutes, reinvest in 2.
Rates are pre-tax and subject to change. T&Cs Apply.
Units in the Welcome Term PIE Fund are distributed by Welcome Limited and are issued by Welcome Funds Management Limited. Our product disclosure statements are available from our website.
*The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and our Wholesale PIE Fund. The DCS is a Government scheme that is funded by deposit takers and administered by the Reserve Bank of New Zealand – Te Pūtea Matua (RBNZ). For details go to: rbnz.govt.nz/dcs.
| Term | Rate | $150K+ Rate | Interest Frequency |
|---|---|---|---|
| 6 Months | 4.00% p.a. | 4.05% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 9 Months | 4.20% p.a. | 4.25% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 12 Months | 4.40% p.a. | 4.50% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 18 Months | 4.65% p.a. | 4.75% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 2 Years | 4.80% p.a. | 4.90% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 3 Years | 4.85% p.a. | 4.95% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 4 Years | 5.00% p.a. | 5.10% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 5 Years | 5.25% p.a. | 5.35% p.a. |
Monthly, Quarterly or Compounding Quarterly |
Rates are pre-tax and subject to change. T&Cs apply.
*The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and our Term PIE Fund. The DCS is a government scheme that is funded by deposit takers and administered by the Reserve Bank of New Zealand – Te Pūtea Matua (RBNZ). For details go to: rbnz.govt.nz/dcs.
Welcome Limited is the issuer of our secured deposits. Our Term Deposit product disclosure statement is available in the documents section of this website.
| Term | Rate | $150K+ Rate | |
|---|---|---|---|
| 6 Months | 4.00% p.a. | 4.05% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 9 Months | 4.20% p.a. | 4.25% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 12 Months | 4.40% p.a. | 4.50% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 18 Months | 4.65% p.a. | 4.75% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 2 Years | 4.80% p.a. | 4.90% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 3 Years | 4.85% p.a. | 4.95% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 4 Years | 5.00% p.a. | 5.10% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 5 Years | 5.25% p.a. | 5.35% p.a. | Monthly, Quarterly or Compounding Quarterly |
Rates are pre-tax and subject to change. T&Cs apply.
*The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and our Term PIE Fund. The DCS is a government scheme that is funded by deposit takers and administered by the Reserve Bank of New Zealand – Te Pūtea Matua (RBNZ). For details go to: rbnz.govt.nz/dcs.
Welcome Limited is the issuer of our secured deposits. Our Term Deposit product disclosure statement is available in the documents section of this website.
| Term | Rate | $150K+ Rate | Tax Effective Rate at 39% | Payout Option |
|---|---|---|---|---|
| 6 Months | 4.00% p.a. | 4.05% p.a. | 4.78% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 9 Months | 4.20% p.a. | 4.25% p.a. | 5.02% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 12 Months | 4.40% p.a. | 4.50% p.a. | 5.31% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 18 Months | 4.65% p.a. | 4.75% p.a. | 5.61% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 2 Years | 4.80% p.a. | 4.90% p.a. | 5.78% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 3 Years | 4.85% p.a. | 4.95% p.a. | 5.84% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 4 Years | 5.00% p.a. | 5.10% p.a. | 6.02% p.a. |
Monthly, Quarterly or Compounding Quarterly |
| 5 Years | 5.25% p.a. | 5.35% p.a. | 6.31% p.a. |
Monthly, Quarterly or Compounding Quarterly |
*The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and our Term PIE Fund. The DCS is a government scheme that is funded by deposit takers and administered by the Reserve Bank of New Zealand – Te Pūtea Matua (RBNZ). For details go to: rbnz.govt.nz/dcs.
Units in the Welcome Term PIE Fund are distributed by Welcome Limited and are issued by Welcome Funds Management Limited. Our product disclosure statements are available in the documents section of this website.
| Term | Rate | $150K+ Rate | Tax Effective Rate at 39% | |
|---|---|---|---|---|
| 6 Months | 4.00% p.a. | 4.05% p.a. | 4.78% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 9 Months | 4.20% p.a. | 4.25% p.a. | 5.02% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 12 Months | 4.40% p.a. | 4.50% p.a. | 5.31% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 18 Months | 4.65% p.a. | 4.75% p.a. | 5.61% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 2 Years | 4.80% p.a. | 4.90% p.a. | 5.78% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 3 Years | 4.85% p.a. | 4.95% p.a. | 5.84% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 4 Years | 5.00% p.a. | 5.10% p.a. | 6.02% p.a. | Monthly, Quarterly or Compounding Quarterly |
| 5 Years | 5.25% p.a. | 5.35% p.a. | 6.31% p.a. | Monthly, Quarterly or Compounding Quarterly |
*The Depositor Compensation Scheme (DCS) covers eligible depositors up to $100,000 if your deposit taker fails, when your money is held in DCS-protected accounts, like Welcome secured deposits and our Term PIE Fund. The DCS is a government scheme that is funded by deposit takers and administered by the Reserve Bank of New Zealand – Te Pūtea Matua (RBNZ). For details go to: rbnz.govt.nz/dcs.
Units in the Welcome Term PIE Fund are distributed by Welcome Limited and are issued by Welcome Funds Management Limited. Our product disclosure statements are available in the documents section of this website.
