Investing

Pick the investment term that suits you

Lock in your investment for 6 months or up to 5 years and earn a competitive interest rate with a First Capital Group  Secured Term Investment.

A First Capital Group  Term Investment is a fixed term option where you choose the term you want to invest for, from 6 months to 5 years. The interest rate is locked in for the term of the investment, even if market rates fall. You have the choice of receiving regular interest payments direct credited to your nominated bank account, or growing your investment by compounding the interest. Interest payment can be made monthly, quarterly, annually or paid at maturity.

Key Features:

  • Competitive interest rates
  • Terms from 6 months to 5 years
  • A choice of interest options
  • No fees

How long do you want to invest for? We can take care of your money for anything from 6 months to 5 years. Our term deposit rates vary depending on the length and amount of your deposit.

FCG Term Fund Paid Monthly 

Term

Others Average 

FCG

6 Months 

3.35% p.a. 

4.00% p.a. 

9 Months 

3.50% p.a. 

4.25% p.a. 

12 Months 

3.25% p.a. 

4.87% p.a. 

18 Months

3.65% p.a. 

5.48% p.a. 

2 Years 

3.80% p.a. 

5.70% p.a. 

3 Years 

3.90% p.a. 

5.85% p.a. 

4 Years 

4.10% p.a. 

6.15% p.a. 

5 Years 

4.20% p.a. 

6.30% p.a. 

FCG Term Fund Paid Quarterly 

Term

Others Average 

FCG

6 Months 

3.35% p.a. 

4.25% p.a. 

9 Months 

3.50% p.a. 

4.50% p.a. 

12 Months 

3.25% p.a. 

4.92% p.a. 

18 Months

3.65% p.a. 

5.53% p.a. 

2 Years 

3.80% p.a. 

5.75% p.a. 

3 Years 

3.90% p.a. 

5.90% p.a. 

4 Years 

4.10% p.a. 

6.20% p.a. 

5 Years 

4.20% p.a. 

6.35% p.a. 

FCG Term Fund Paid Annually 

Term

Others Average 

FCG

12 Months 

3.25% p.a. 

4.97% p.a. 

18 Months

3.65% p.a. 

5.58% p.a. 

2 Years 

3.80% p.a. 

5.80% p.a. 

3 Years 

3.90% p.a. 

5.95% p.a. 

4 Years 

4.10% p.a. 

6.25% p.a. 

5 Years 

4.20% p.a. 

6.40% p.a. 

Rates of return are before tax and any fees, and can change at any time. Minimum investment of $10,000. The maximum investment across all FCG term investment accounts held either solely or jointly with any person is $1 million. Rates are not available to financial institutions. Rates are subject to change.

If at the time you make a term investment with us the combined balance of all your term investments with us is $10,000 or more, our $10,000+ rates will apply to the term investment. Depending on the term, returns can be paid quarterly, six-monthly, annually or at the end of the term. Returns can be paid monthly for investments of $10,000 or more with a term of six months or longer.

All Investments secured by first mortgage property or Chattel Security 

Rates current as at 12:16 PM, Saturday 20 January 2018 NZDT.

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