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 Monthly Payment Total Payment Amount
The Co-operative Bank Fixed – 2 years – Owner Occupied 6.89% $1,646.31 $592,671.18 Go to site
The Co-operative Bank Fixed – 2 years – Standard 7.39% $1,730.80 $623,088.25 Go to site
The Co-operative Bank Fixed – 3 years – Owner Occupied 6.75% $1,622.95 $584,263.65 Go to site
The Co-operative Bank Fixed – 3 years – Standard 7.25% $1,706.98 $614,511.21 Go to site
The Co-operative Bank Fixed – 4 years – Owner Occupied 6.75% $1,622.95 $584,263.65 Go to site
The Co-operative Bank Fixed – 4 years – Standard 7.25% $1,706.98 $614,511.21 Go to site
The Co-operative Bank Fixed – 5 years – Owner Occupied 6.75% $1,622.95 $584,263.65 Go to site
The Co-operative Bank Fixed – 5 years – Standard 7.25% $1,706.98 $614,511.21 Go to site
The Co-operative Bank Fixed – 6 months – Owner Occupied 7.39% $1,730.80 $623,088.25 Go to site
The Co-operative Bank Fixed – 6 months – Standard 7.89% $1,816.91 $654,087.89 Go to site
The Co-operative Bank Floating – Standard 8.4% $1,906.31 $686,270.98 Go to site
The Co-operative Bank Floating – Owner Occupied 8.4% $1,906.31 $686,270.98 Go to site
The Co-operative Bank Revolving Credit Facility 8.4% $1,906.31 $686,270.98 Go to site
The Co-operative Bank Fresh Start – Floating 10.4% $2,270.22 $817,279.13 Go to site
The Co-operative Bank First Home Buyer – 1 Year Fixed Term Special 7.15% $1,690.04 $608,413.16 Go to site
The Co-operative Bank Fixed – 1 year – Owner Occupied 7.35% $1,723.98 $620,632.97 Go to site
The Co-operative Bank Fixed – 1 year – Standard 7.85% $1,809.96 $651,587.31 Go to site
The Co-operative Bank Fresh Start – Fixed 1 Year 9.35% $2,076.70 $747,611.12 Go to site
The Co-operative Bank Fixed – 18 months – Owner Occupied 7.15% $1,690.04 $608,413.16 Go to site
The Co-operative Bank Fixed – 18 months – Standard 7.65% $1,775.38 $639,137.60 Go to site

Product Interest Rate Purchases 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
Step Saver

-

-

4.75% Go to site
Dollars and Sense/Dosh account

-

$4,000.00

5.55% Go to site
Online account

-

-

2.45% Go to site

Product Rate Minimum Deposit Maximum Deposit
12 Months 6%

$2,000.00

$1,000,000.00

Go to site
18 Months 6%

$2,000.00

$1,000,000.00

Go to site
3 Months 4.2%

$2,000.00

$1,000,000.00

Go to site
48 Months 5.55%

$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 6.1%

$2,000.00

$1,000,000.00

Go to site
6 Months 6.05%

$2,000.00

$1,000,000.00

Go to site
6 Months Special 6.1%

$5,000.00

$1,000,000.00

Go to site
36 Months 5.55%

$2,000.00

$1,000,000.00

Go to site
24 Months 5.8%

$2,000.00

$1,000,000.00

Go to site
12 Months Special 6.15%

$5,000.00

$1,000,000.00

Go to site