Call and Term Deposits

Make your savings work for you.

Earn a fixed rate of interest over a period of time with a term deposit, or choose a call account if you need the flexibility of adding or withdrawing from your account at any time. Open one or multiple accounts and watch your money grow while also building the Kingdom of God in Aotearoa, New Zealand.

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For Good Stewards

With investment terms ranging from 1 month to 5 years, you can choose the term that suits you best. Open one or multiple accounts and watch your money grow while also building the Kingdom of God in Aotearoa, New Zealand.

3 year Term Deposit
Minimum investment $
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Featured rate
Most Popular
12 month Term Deposit
Minimum investment $
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5 year Term Deposit
Minimum investment $
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Growing healthy churches and charities

Growing Investments, Growing Churches

Christian Savings has been supporting churches with affordable loans for over 55 years. The funds we hold enable us to provide loans to churches and Christian charities, small and large.
How it works
Annual Report

Become an investor with Christian Savings and watch your money grow through on-call, term, charitable or funeral deposit options.


Your investment helps Christian Savings to provide ethical and meaningful loans to churches and Christian charities.


Feel good about keeping profits in New Zealand, where your savings are supporting Christian organisations growing God’s Kingdom.


Grow your money and take charge of your future. Your deposits will earn interest at a competitive rate, benchmarked to New Zealand’s largest banks.

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How it works

Term Deposits

The best option if you want to earn a fixed rate of interest over a period of time. Decide how long you’d like to invest your savings, from 1 month to 5 years, then sit back and watch your money grow.
Choose your investment term

You decide the term you’d like your funds invested for, from 30 days to 5 years. Interest is paid monthly, quarterly or 6 monthly depending on the term.

Watch your deposit grow

Your interest rate is locked in, so you can enjoy the certainty and peace of mind knowing exactly what your return will be.

Choose how to reinvest

You can choose to have interest paid to a nominated account or reinvested with the principal. When the deposit comes up to maturity, you can invest more, change the term, or withdraw some or all of your investment.

How it works

Call Accounts

A call deposit is your most flexible investment option. Just like an everyday bank account, you can add to your call account or withdraw money whenever you like. Plus, earn interest on your savings at the same time.
Make the most of your savings

Earn interest on every dollar of savings. Earn good returns on your savings and have the flexibility to access your account at any time. Your account is paid interest twice a year.

You’re in control of your money

Like an everyday banking account, your money is on-call. You can add to your call account or withdraw money whenever you like.

Access your money if you need to

When you would like funds from your call account, we will transfer directly to your nominated bank account. There’s no limit to the number of withdrawals each month.

“I would highly recommend Christian Savings because of their excellent customer service, attractive interest rates and the funds are being used for good causes.”
Julia Lopes-Pereira

Keeping your best interests at heart

Looking for something else? Learn more about our other investment options, or talk with our dedicated investment team.
Charitable Deposits
Featured rate:
% p.a. |
3 years

Support your chosen charities and churches around the country, without having to donate any of your own money. Decide the term you’d like to invest for and the interest earned on the deposit is donated to your nominated charity.

Learn more
Funeral Deposits
Current rate:
% p.a.

An investment account specifically to provide for your funeral expenses. A flexible funeral option where you can contribute as often or seldom as you like, while earning interest at our 9-month term deposit rate.

Learn more
Outline graphic depicting hand nurturing a heart

Build healthy churches with us.


church and charity projects financed in Aotearoa, New Zealand


partners and investors, including individuals, families, churches and organisations


years of experience, partnering with churches since 1962
For Good Stewards

How to invest.

Invest using Christian Savings and help build healthy churches. Find out what option is best for your investment, or open an account now.