The Crown's Extended Retail Deposit Guarantee comes to an end on 31 December 2011.
Fisher & Paykel Finance, Heartland Building Society and Wairarapa Building Society are the only three institutions in the extended scheme and their deposits will no longer be guaranteed by the Crown once the scheme expires.
The original guarantee scheme was introduced in October 2008 in response to the global financial crisis.
At its peak, it guaranteed $133 billion of deposits held in 72 financial institutions.
Nine financial institutions defaulted while participating in the scheme.
