The Co-operative Bank

Established in 1928 and rebranded as The Co-operative Bank in 2011, this New Zealand-owned bank is 100% customer-owned. Prioritizing customer prosperity over profit, it offers standard banking services and achieved Certified B Corporation status, emphasizing social and environmental standards. Having shared over $15 million with customers since 2013, it remains dedicated to a customer-centric approach, creating shared prosperity and achieving Certified B Corporation status. Explore The Co-operative Bank for ethical banking, shared prosperity, and Certified B Corporation commitment. Discover responsible banking with The Co-operative Bank.

2022 & 2023 Consumer People Choice Award
2021 & 2022 Canstar Awards Most Satisfied Banking Customers

Products on offer


Product Rate (p.a.) Monthly Payment Total Payment Amount
The Co-operative Bank Fixed – 3 years – Owner Occupied 4.99% $1,341.73 $483,023.90 Go to site
The Co-operative Bank Fixed – 3 years – Standard 5.49% $1,419.18 $510,904.97 Go to site
The Co-operative Bank Fixed – 4 years – Owner Occupied 5.39% $1,403.53 $505,270.39 Go to site
The Co-operative Bank Fixed – 4 years – Standard 5.89% $1,482.58 $533,727.02 Go to site
The Co-operative Bank Fixed – 5 years – Owner Occupied 5.49% $1,419.18 $510,904.97 Go to site
The Co-operative Bank Fixed – 5 years – Standard 5.99% $1,498.62 $539,502.10 Go to site
The Co-operative Bank Fixed – 6 months – Owner Occupied 4.99% $1,341.73 $483,023.90 Go to site
The Co-operative Bank Fixed – 6 months – Standard 5.49% $1,419.18 $510,904.97 Go to site
The Co-operative Bank Floating – Standard 5.7% $1,452.31 $522,830.51 Go to site
The Co-operative Bank Floating – Owner Occupied 5.7% $1,452.31 $522,830.51 Go to site
The Co-operative Bank Revolving Credit Facility 5.7% $1,452.31 $522,830.51 Go to site
The Co-operative Bank Fresh Start – Floating 7.7% $1,784.00 $642,241.65 Go to site
The Co-operative Bank First Home Buyer – 1 Year Fixed Term Special 4.65% $1,290.25 $464,490.79 Go to site
The Co-operative Bank Fixed – 1 year – Owner Occupied 4.75% $1,305.29 $469,905.14 Go to site
The Co-operative Bank Fixed – 1 year – Standard 5.25% $1,381.75 $497,430.62 Go to site
The Co-operative Bank Fresh Start – Fixed 1 Year 6.75% $1,622.95 $584,263.65 Go to site
The Co-operative Bank Fixed – 18 months – Owner Occupied 4.75% $1,305.29 $469,905.14 Go to site
The Co-operative Bank Fixed – 18 months – Standard 5.25% $1,381.75 $497,430.62 Go to site
The Co-operative Bank Fixed – 2 years – Owner Occupied 4.75% $1,305.29 $469,905.14 Go to site
The Co-operative Bank Fixed – 2 years – Standard 5.25% $1,381.75 $497,430.62 Go to site

Product Int. Rate Purchases (p.a.) Balance Transfer Annual Account Fee Interest Free Days
The Cooperative Bank Fair Rate Credit Card 12.95% (Floating rate) 0% p.a. for 6 months $10 every 6mos up to 55 days Go to site

Product Minimum Deposit Amount Maximum Deposit Amount Rate (p.a.)
Step Saver

-

-

2.7% Go to site
Online account

-

-

1.2% Go to site
Youth

-

$4,000.00

3.05% Go to site

Product Rate (p.a.) Minimum Deposit Maximum Deposit
1 Month 2%

$2,000.00

$1,000,000.00

Go to site
9 Months 3.65%

$2,000.00

$1,000,000.00

Go to site
6 Months 3.7%

$2,000.00

$1,000,000.00

Go to site
6 Months Special 3.75%

$5,000.00

$1,000,000.00

Go to site
36 Months 4.05%

$2,000.00

$1,000,000.00

Go to site
24 Months 3.8%

$2,000.00

$1,000,000.00

Go to site
12 Months Special 3.65%

$5,000.00

$1,000,000.00

Go to site
12 Months 3.55%

$2,000.00

$1,000,000.00

Go to site
18 Months 3.75%

$2,000.00

$1,000,000.00

Go to site
3 Months 3.2%

$2,000.00

$1,000,000.00

Go to site
48 Months 4.15%

$2,000.00

$1,000,000.00

Go to site