In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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P&N Bank Term Deposit
Interest rate 6 months interest rate
Up to 4.55% p.a.
Minimum opening deposit
Account keeping fee
Maximum deposit


You choose whether you want to capital gains or regular income with term deposits from P&N.

With a term deposit from P&N Bank, you have the option of higher rates and a one-time interest payment with the Money Maker, or a monthly boost to everyday cash with the Regular Income Term Deposit. First decide what it is you are looking to achieve with your term deposit account and then compare the features to find the one that will allow you to meet that goal.


  • Competitive rates for many terms
  • Two options available: Money Maker and Regular Income
  • Earn a guaranteed interest rate
  • Flexible options with large choice of term lengths


  • Some terms have much less competitive interest rates

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name P&N Bank Term Deposit
3 month interest rate 4.40%
4 month interest rate 3.75%
6 month interest rate 4.55%
7 month interest rate 4.20%
9 month interest rate 4.40%
12 month interest rate 4.50%
24 month interest rate 4.55%
36 month interest rate 4.20%
48 month interest rate 4.20%
60 month interest rate 4.20%
Minimum Opening Deposit $5,000
Minimum age requirement 18
Government guarantee Yes


Minimum Age Requirement 18
Joint account availability No
Min Deposit $5,000
Available to children Not available for children

Key features

Monthly fee

With this term deposit you will not be charged any monthly account keeping fees.

Minimum deposit amount

You are able to invest in a term deposit with P&N Bank with a minimum of $5,000.

How to apply


Whether you are an existing P&N Bank member or looking to become one, you will have to apply for the term deposits either in person or over the phone. You can make an appointment by visiting the P&N Bank website and filling out an enquiry form. You should note that the following eligibility requirements will have to be met first before your application is accepted:

  • Minimum age. Term deposit account holders are required to be at least 18 years of age.
  • Residency requirements. You must be an Australian resident with a residential mailing and physical address.

Your reviews

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September 16, 2016

rate on $1,200,000


Shirley Liu Finder

September 19, 2016

Hi Phil,

Thanks for your question.

The maximum amount you can have in a P&N term deposit is $1,000,000. In this case, I’d recommend that you speak to P&N directly to see if they can offer you an exclusive rate.

Hope this helps.

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