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Interest rates

The following information is current from 1 August 2025 and is subject to change.

Pacific Savings account

Amount	Interest Rate
0 - $99	0.00% p.a.
$100+	0.50% p.a.*

*Interest is earned when you have an end of day account balance of $100 or more. The account balance used on non-business days is the account balance for the previous business day.

Priority Cash Management account

Amount	Interest Rate
$0 - $4,999.99	0.20% p.a.
$5,000 - $9,999.99	0.20% p.a.
$10,000 - $19,999.99	0.20% p.a.
$20,000+	0.35% p.a.

*Interest is calculated based on your end of day account balance. The account balance used on non-business days is the account balance for the previous business day.

Note: This product is no longer available to new customers.

Term deposits

Term	Interest rate ($5,000 - $250,000)
1 month (30 - 89 days)*	0.90% p.a.
3 months (90 - 179 days)	1.10% p.a.
6 months ( 180 - 364 days)	1.10% p.a.
12 months ( 365 - 729 days)	1.65% p.a.

Term deposit interest rates are available for Retail Banking customers. For interest rates on term deposits in excess of $250,000 or outside the above terms, please contact us.

All interest rates are subject to change. ANZ terms and conditions and fees apply. For further information, please talk to one of our branch staff.

*Note: This product is no longer available for new customers.

Home loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Variable rate	7.25% p.a.

*An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Residential investment property loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Variable rate	8.25% p.a.

*An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Personal loans

ANZ lending criteria, terms, conditions and fees apply. You should seek confirmation of interest rates from ANZ before taking out any loan.

Type	Interest rate*
Secured	15.30% p.a.
Unsecured	18.25% p.a.
Partially secured	17.00% p.a.

*An additional margin may be applied after a credit risk assessment has been completed on a loan application.

Important information

See our fees and charges for all Cook Islands products and services.

All interest rates are on a per annum basis. All dollar amounts are in New Zealand Dollars.