Kontiki Finance

See our Glossary of Terms and Definitions of Term Deposits including information on Fees and Charges Disclosure Statements here.

Our terms range from three months* up to 120 months (10 years). A specific maturity date may also be stipulated at the time of investment.

We accept deposits from $5,000* or more. If you have an amount greater than $250,000* please call us for a rate quote.

The interest is fixed for the agreed term. You may elect to have interest paid:

• Monthly, Quarterly, 6-monthly, annually or on maturity

• Reinvested together with your original deposit amount and earn compounded interest; or
• Credited automatically to your nominated bank account, or
• Paid to you by direct credit or cheque. (*Discontinuation of cheques starting 2024.)

At the end of your deposit term, unless we are notified in writing, your deposit will be automatically renewed for the same term but at the interest rate prevailing at that time. We will write to you one month prior to maturity, seeking your reinvestment intentions.

We accept bank transfers; cheques (company or personal) or bank cheques for Term Deposit accounts.

In cases of genuine hardship, Kontiki Finance will consider allowing you to withdraw your Term Deposit prior to maturity. If Kontiki Finance does approve your request there will be an interest rate reduction and break fee. Please refer to our current schedule of fees and charges, (available on request).

Contact us today for the most competitive rates and best investment options for your funds! Conditions apply.

It means that KFL has a legal obligation to guarantee the return of the whole sum invested to the term depositor on the maturity date of the deposit.

This differs from other classes of investment such as unit trusts, share market investments, and pension contributions as these investments carry no Capital Guarantee and thus there is no legal obligation from these investment schemes to return any of your invested funds to you.

We have used the expression Capital Guaranteed in our promotional material as this is the global financial market’s expression for identifying our legal obligation to return deposited funds and also we wish to educate the Fijian market about the differing risks between investment products. This is part of Kontiki Finance’s commitment to improve Financial Literacy in Fiji.

An additional advantage of Term Deposits over other growth unit trusts, share market investments, and pension contributions is that the interest rate offered by KFL at the Term Deposit commencement is contracted over the entire tenure of the investment.  Whereas the yield on the other classes of investment above is not fixed at all and could conceivably be zero or be reduced after the investment funds are received without reference to the investor.

Kontiki Finance Limited cannot reduce your Term Deposit interest rate yield during your investment term. Also, we do not charge any fees to deposit or withdraw on maturity from your Term Deposit.  This is often not the case with other classes of investment.