Invest with us

When you invest with Kontiki Finance your term deposit helps to drive prosperity in your local community and throughout Fiji.

  • All of Kontiki Finance lending is on Fiji based assets, and is spread across the country.
  • We offer flexible options and very competitive term deposit rates.
  • You will receive service with a personal touch.

The rate of interest you earn from your investment with us depends on the length of the deposit term you select. Because you invest for a fixed term, your interest rate is guaranteed for that term. Call us for our best available rate.

Kontiki Finance is largely owned by Fijian investors, so they want the best return possible, just like you. The company is fully licenced and regulated by the Reserve Bank of Fiji. That requires sound risk management and corporate governance practices, thus protecting you, the depositor. Your capital is guaranteed with Kontiki Finance.

Investment Length

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

Minimum Deposit Amount

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

Interest Payment

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

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

When your interest is paid, it can be either:

  • 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

You just let us know when you deposit funds with us how you would like to have your interest paid.

What Happens when my Deposit term is up

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.

Deposit Methods

We accept bank transfer; cheque (company or personal) or bank cheques for term deposit accounts.

Early Term Withdrawal

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.

Capital Guaranteed

What does Capital Guaranteed mean ?

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 to other classes of investment such as unit trusts, share market investments and pension contributions.
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 markets 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 KFL’s continued effort to improve Financial Literacy in Fiji.

An additional advantage of KFL Term Deposits over 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.

KFL cannot reduce your term deposit interest rate yield during your investment term. Also KFL does not charge any fees to deposit or withdraw on maturity from your Term Deposit.  However, this is often not the case with other classes of investment.