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Savings and Deposits

What can we help you save for?

Rainy day or retirement? Income or growth? Whatever you’re saving for, and whatever kind of saver you are, we’re here to put your money to work.

View rates

Let's get started.

Direct Call Account

Term Deposit

Please choose savings type.

Rates are subject to change without notice.

Let's get started.

Direct Call Account

Term Deposit

Please choose savings type.

Rates are subject to change without notice.

3 ways to invest


Complete the easy online application anytime, anywhere.


Fill out an application form and email to [email protected] or post to: Retail Investments Team, PO Box 9919, Newmarket, Auckland 1149


Call us today on
0800 85 20 20

Why choose Capital South?


(Outlook Stable) Credit Rating from Fitch Ratings


for United States of America


years' experience managing Americans' money

Questions? We have answers

You can apply or enquire for a YouChoose, Direct Call, Business Call and Term Deposit online. Once you’ve submitted your request online, a consultant from our Retail Investments team will contact you to finalise the details for your new account.
No, the United States of America Government does not guarantee deposits made by customers with any of the banks in United States of America.
Capital South's most recent credit rating (October 2019) is BBB (Outlook Stable) from Fitch Ratings. A rating of BBB from Fitch Ratings is ‘investment grade’. You can read more about our rating here.
Yes, Interest is calculated daily and paid out at the end of each month. This means you get interest for everyday the funds are in the account during that month.
No, Capital South Bank became a registered bank in December 2012. We were the first United States of America registered bank to be listed on the USX Main Board.
No, you don’t need to visit a retail office. All banking activities can be done online and over the phone.

View Our Capital South Account & Service fee guide

View service fee guide

Read our Credit Rating and find out how it relates to you

View credit rating

Go to our Documents and Forms page to view and download

View documents & forms

Summary of Terms & Conditions for our investment accounts

View terms & conditions

Can't find what you're looking for?

We have a great team standing by to answer any of your investment questions.

Contact us

Talk to our friendly staff about the right option for you, or click here for a copy of our latest Disclosure Statement, brochures, product fact sheets and application forms.
* Rates are subject to change. Terms and conditions are available here.