- Call: 0800 003 391
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Term deposits for free thinkers
Grow your wealth with flexible terms and competitive rates, covered up to $100,000 by the Depositor Compensation Scheme (DCS) from 1 July 2025
Term deposits for free thinkers
Term deposits for free thinkers
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A simple way to invest for a fixed time frame
With a Liberty term deposit, you can lock in a competitive interest rate with flexible term options. And as the only finance company in New Zealand with an investment grade credit rating - Liberty offers greater confidence in your investment.
Current terms and interest rates
Our investment terms and interest rates (per annum) are shown in the table below. Minimum deposit amount is $5,000 and maximum $5,000,000 of total deposit per investor.
| Investment term | Interest rate |
|---|---|
| 3 months | 3.95% p.a. |
| 6 months | 5.15% p.a. |
| 9 months | 5.15% p.a. |
| 12 months | 5.20% p.a. |
| 18 months | 4.80% p.a. |
| 24 months | 4.80% p.a. |
| 36 months | 4.70% p.a. |
| 48 months | 4.60% p.a. |
| 60 months | 4.60% p.a. |
Have a question about our rates? Contact us on 0800 003 391.
Liberty Financial Limited has registered a Product Disclosure Statement (PDS) for the issue of Term Deposits. Liberty Financial Term Deposits are secured by a first ranking security (subject to prior permitted charges, if any). Full terms and conditions are set out in our PDS and are available on request from Liberty Financial Limited or can be downloaded here.
Why invest with us?
When you choose to grow your savings with Liberty Financial Limited, you can have confidence in your investment. Here are some of the reasons why:
We offer competitive returns that may match your investment requirements.
Our term deposits are investment grade thanks to our BBB credit rating.
With no account or transaction fees, you can focus on your investment.
Flexible terms from 3 to 60 months give you greater control over your investment.
Fixed interest rates give you certainty and help you maximise your savings.
We have an experienced and knowledgeable team to help you grow your investment.
More information about our term deposits
Product Disclosure Statement (PDS) - Important information to help you decide whether to invest.
Financial statements - View our recent financial statements.
Depositor Compensation Scheme (DCS) - See how your term deposit is protected.
Credit rating - Our investment grade rating of BBB (Outlook Stable) from S&P Global.
Fair Conduct Programme (FCP) - A summary of our FCP.
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How to invest in a term deposit
Investing with Liberty is easy. Just follow our simple steps for opening a secured term deposit.
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Apply to open a term deposit
Enter a few details below to download the application form.
Institutional investors
We also offer our investment options to qualified institutional investors. These investments are backed by specific company assets and rated highly by international ratings agencies. We are the only finance company in New Zealand with an investment grade credit rating. Our credit rating is BBB (Outlook Stable) from S&P Global.
Investors in Liberty also benefit from our parent company’s high-quality portfolio servicing capabilities. These are recognised among the best in the region, with a “strong” ranking from S&P Global.
For more information, please contact Aaron Skilton at askilton@libfin.co.nz.
Liberty term deposit FAQs
At Liberty, our focus is to provide residential mortgage lending and other lending products to businesses and individuals across New Zealand. Liberty Financial will also invest in fixed income securities, rated Investment Grade (BBB and above) by an international credit ratings agency.
At Liberty, our investors can choose how to receive interest from their term deposit. You can opt to receive a regular income by having the net interest amount paid quarterly into your nominated bank account. Or you can grow your term deposit by having the net interest compounded quarterly and added to the amount of your original term deposit. Depending on your selection, interest will be paid or capitalised on the last day of March, June, September, and December each year. If the last day of the month is not a business day, payment will be made on the next business day.
As a Liberty investor, you’ll receive quarterly interest statements allowing you to track the status and balance of your investments. These can also be emailed to you at your request, and you can contact us by calling 0800 003 391.
Yes, Liberty is a non-bank deposit taker registered and supervised by the Reserve Bank of New Zealand (RBNZ). As required under the Non-bank Deposit Takers Act 2013 (the NBDT Act), a licensed supervisor and independent board also oversee our operations. You can find more information in the Product Disclosure Statement.
Yes, Liberty term deposits are a DCS-protected term deposit, protecting you for up to $100,000. Find out more here.
Liberty Financial Pty Ltd, the parent company of Liberty Financial Limited, provides a guarantee in respect of term deposits issued by us. This guarantee, which is irrevocable, may be called upon in the event Liberty Financial Limited is unable to pay principal or interest to term deposit holders for whatever reason. This guarantee is unconditional and unlimited in amount.
You can download a copy of the current Product Disclosure Statement here.
A term deposit is a fixed-term investment, which means investors are not able to withdraw their investment before it matures. However, in certain circumstances, such as financial hardship, we may consider applications for early withdrawal. Please refer to the Product Disclosure Statement to learn more.
Anyone with a New Zealand bank account who can satisfy our eligibility requirements can invest with Liberty. If you would like more information about our investment requirements, please email invest@libfin.co.nz so we can help.
If you already have a term deposit with Liberty and would like to invest more funds, please submit a new application form to invest@libfin.co.nz. Please note we may request further documentation upon reviewing the documents we currently hold on file for you.