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 – 2 years – Owner Occupied 5.75% $1,460.25 $525,688.26 Go to site
The Co-operative Bank Fixed – 2 years – Standard 6.25% $1,540.68 $554,644.21 Go to site
The Co-operative Bank Fixed – 3 years – Owner Occupied 5.69% $1,450.72 $522,259.80 Go to site
The Co-operative Bank Fixed – 3 years – Standard 6.19% $1,530.93 $551,133.77 Go to site
The Co-operative Bank Fixed – 4 years – Owner Occupied 5.69% $1,450.72 $522,259.80 Go to site
The Co-operative Bank Fixed – 4 years – Standard 6.19% $1,530.93 $551,133.77 Go to site
The Co-operative Bank Fixed – 5 years – Owner Occupied 5.69% $1,450.72 $522,259.80 Go to site
The Co-operative Bank Fixed – 5 years – Standard 6.19% $1,530.93 $551,133.77 Go to site
The Co-operative Bank Fixed – 6 months – Owner Occupied 6.75% $1,622.95 $584,263.65 Go to site
The Co-operative Bank Fixed – 6 months – Standard 7.25% $1,706.98 $614,511.21 Go to site
The Co-operative Bank Floating – Standard 8.15% $1,862.29 $670,426.17 Go to site
The Co-operative Bank Floating – Owner Occupied 8.15% $1,862.29 $670,426.17 Go to site
The Co-operative Bank Revolving Credit Facility 8.15% $1,862.29 $670,426.17 Go to site
The Co-operative Bank Fresh Start – Floating 10.15% $2,223.69 $800,528.38 Go to site
The Co-operative Bank First Home Buyer – 1 Year Fixed Term Special 6.15% $1,524.44 $548,798.82 Go to site
The Co-operative Bank Fixed – 1 year – Owner Occupied 6.19% $1,530.93 $551,133.77 Go to site
The Co-operative Bank Fixed – 1 year – Standard 6.69% $1,612.99 $580,675.45 Go to site
The Co-operative Bank Fresh Start – Fixed 1 Year 8.19% $1,869.31 $672,952.56 Go to site
The Co-operative Bank Fixed – 18 months – Owner Occupied 5.99% $1,498.62 $539,502.10 Go to site
The Co-operative Bank Fixed – 18 months – Standard 6.49% $1,579.95 $568,780.91 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

-

-

4.55% Go to site
Dollars and Sense/Dosh account

-

$4,000.00

5.3% Go to site
Online account

-

-

2.4% Go to site

Product Rate (p.a.) Minimum Deposit Maximum Deposit
24 Months 4.55%

$2,000.00

$1,000,000.00

Go to site
12 Months Special 5.15%

$5,000.00

$1,000,000.00

Go to site
12 Months 5%

$2,000.00

$1,000,000.00

Go to site
18 Months 4.8%

$2,000.00

$1,000,000.00

Go to site
3 Months 4.3%

$2,000.00

$1,000,000.00

Go to site
48 Months 4.5%

$2,000.00

$1,000,000.00

Go to site
1 Month 2.75%

$2,000.00

$1,000,000.00

Go to site
9 Months 5.3%

$2,000.00

$1,000,000.00

Go to site
6 Months 5.6%

$2,000.00

$1,000,000.00

Go to site
6 Months Special 5.65%

$5,000.00

$1,000,000.00

Go to site
36 Months 4.5%

$2,000.00

$1,000,000.00

Go to site