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 6.79% $1,629.61 $586,660.81 Go to site
The Co-operative Bank Fixed – 2 years – Standard 7.29% $1,713.77 $616,957.09 Go to site
The Co-operative Bank Fixed – 3 years – Owner Occupied 6.65% $1,606.36 $578,288.38 Go to site
The Co-operative Bank Fixed – 3 years – Standard 7.15% $1,690.04 $608,413.16 Go to site
The Co-operative Bank Fixed – 4 years – Owner Occupied 6.55% $1,589.83 $572,338.51 Go to site
The Co-operative Bank Fixed – 4 years – Standard 7.05% $1,673.16 $602,339.09 Go to site
The Co-operative Bank Fixed – 5 years – Owner Occupied 6.55% $1,589.83 $572,338.51 Go to site
The Co-operative Bank Fixed – 5 years – Standard 7.05% $1,673.16 $602,339.09 Go to site
The Co-operative Bank Fixed – 6 months – Owner Occupied 7.24% $1,705.28 $613,900.34 Go to site
The Co-operative Bank Fixed – 6 months – Standard 7.74% $1,790.91 $644,728.94 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 6.79% $1,629.61 $586,660.81 Go to site
The Co-operative Bank Fixed – 1 year – Owner Occupied 6.99% $1,663.07 $598,706.28 Go to site
The Co-operative Bank Fixed – 1 year – Standard 7.49% $1,747.90 $629,242.70 Go to site
The Co-operative Bank Fresh Start – Fixed 1 Year 9.14% $2,038.62 $733,904.68 Go to site
The Co-operative Bank Fixed – 18 months – Standard 6.89% $1,646.31 $592,671.18 Go to site
The Co-operative Bank Fixed – 18 months – Owner Occupied 6.89% $1,646.31 $592,671.18 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.)
Online account

-

-

2.45% Go to site
Dollars and Sense/Dosh account

-

$4,000.00

5.55% Go to site
Step Saver

-

-

4.75% Go to site

Product Rate (p.a.) Minimum Deposit Maximum Deposit
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%

$2,000.00

$1,000,000.00

Go to site
6 Months Special 6.05%

$5,000.00

$1,000,000.00

Go to site
36 Months 5.35%

$2,000.00

$1,000,000.00

Go to site
24 Months 5.7%

$2,000.00

$1,000,000.00

Go to site
12 Months Special 5.9%

$5,000.00

$1,000,000.00

Go to site
12 Months 5.75%

$2,000.00

$1,000,000.00

Go to site
18 Months 5.8%

$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 5.35%

$2,000.00

$1,000,000.00

Go to site