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Get competitive returns while supporting the local community
We offer competitive rates and our profits stay right here in Wairarapa.
Term investments
You’ll earn a higher rate of interest when you invest your funds for a set length of time. You choose the time period and we’ll repay or reinvest your funds when the term is complete. Enquire here or we can have a chat at our offices or in your own home.
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| Term | Rate $2,000+ |
| 2 Years | 4.30% pa |
| 18 Months | 4.50% pa |
| 1 Year | 4.75% pa |
| 270 Days | 4.90% pa |
| 180 Days | 4.50% pa |
| 120 Days | 4.05% pa |
| 90 Days | 4.05% pa |
Term Investment Rate
4.90% PA
270 Day Term
Please contact us if you're looking to invest for a longer term.
Interest rates are subject to change
Term Investments between $500 and $2,000 receive a flat rate of 2.00% per annum.
Interest is calculated on the daily closing balance multiplied by the annual interest rate, divided by the number of days in the year (365 days, or 366 days in a leap year).
Where your investment starts in a non-leap year and matures in a leap year (or vice-versa), the daily interest earned is calculated on 365 days for the portion of the investment held within the non-leap year, and 366 days for the portion of the investment held within the leap year.
Terms and Conditions relevant to our Term Investments can be accessed by clicking here.
Call investments
There are no fixed terms with a call investment, so you can access your money or top up your account whenever you like. Remember, if you do make a withdrawal you may earn less interest. Enquire here or we can have a chat at our offices.
| Under $500 | Nil |
| $500 – $999 | 2.00% pa |
| $1,000 – $4,999 | 2.00% pa |
| $5,000 – $9,999 | 2.00% pa |
| $10,000+ | 2.00% pa |
Call Investments
2.00% PA
$500+
All new accounts are subject to a $500 minimum investment. Interest rates are subject to change.
Interest is calculated on the daily closing balance multiplied by the annual interest rate, divided by the number of days in the year (365 days, or 366 days in a leap year).
Where your investment starts in a non-leap year and matures in a leap year (or vice-versa), the daily interest earned is calculated on 365 days for the portion of the investment held within the non-leap year, and 366 days for the portion of the investment held within the leap year.
We work hard to keep your money safe and secure
WBS is a non-bank deposit taker licensed by the RBNZ. We operate under strict regulations and report to a Supervisor and the RBNZ every month. We hold a BB+ stable credit rating and have done so for more than 15 years.
Which investment is right for me?
Whether you have a specific goal in mind, or just want to pop a bit of savings away for a rainy day, once you have made your initial investment – regardless of whether it is a Call Investment or a Term Investment – there is no obligation to contribute additional funds unless you choose to.
Interest is calculated daily on the balance of your investments and is paid on the frequency agreed at the time of making your investments.
