Press Release – MoneyHubTerm deposit rates have fallen alongside the OCR, reducing returns for conservative investors. New MoneyHub Guide Explains How Falling Rates Affect Mortgages, Savings, And The Broader EconomyThe Reserve Bank has cut the Official Cash Rate (OCR) six times in 2025, bringing it from 5.50% to 2.25%, with economists forecasting stabilisation between 2.00% and 3.50% through 2026, according to analysis by personal finance research website MoneyHub. The cuts have delivered relief for mortgage holders, with fixed rates now available around 5.50% compared to peaks above 7% in 2023, but savers face diminishing returns on term deposits. What It Means For SaversTerm deposit rates have fallen alongside the OCR, reducing returns for conservative investors. Those relying on interest income face a squeeze – a $100,000 term deposit earning 4.00% now may renew at 3.50%, a $500 annual reduction.