P&N Bank
Credit unionP&N Bank offers term deposits from 3-month to 5-year. Its highest current rate is 5.30% p.a. for a 1-year term, with interest paid at maturity and a $5k minimum deposit. Compare P&N Bank's current rates with the highest term deposit rates in Australia to see whether it is competitive right now.
Best available rate
1-year term · At maturity · Min. $5k
This is one of P&N Bank's strongest current rates, but higher rates may be available across other lenders or terms.
Current Rates
Compare P&N Bank against all current term deposit rates or browse by term: 3-month, 6-month, 1-year, 18-month, 2-year, 3-year, 5-year.
| Term | Rate p.a. | Interest paid | Min deposit | Since | |
|---|---|---|---|---|---|
| 3mo | 3.85% | Quarterly | $5k | 23 Apr 2026 | |
| See all 3-month rates → | |||||
| 6mo | Semi-annually | $5k | 25 Aug 2026 | ||
| See all 6-month rates → | |||||
| 1yr | At maturity | $5k | 7 Oct 2026 | ||
| 4.20% | Quarterly | $5k | 8 Jul 2026 | ||
| See all 1-year rates → | |||||
| 18mo | 4.20% | Quarterly | $5k | 8 Jul 2026 | |
| 4.20% | At maturity | $5k | 8 Jul 2026 | ||
| See all 18-month rates → | |||||
| 2yr | 4.20% | At maturity | $5k | 23 Apr 2026 | |
| 4.20% | Quarterly | $5k | 23 Apr 2026 | ||
| See all 2-year rates → | |||||
| 3yr | 3.35% | Quarterly | $5k | 8 Jul 2026 | |
| 3.35% | At maturity | $5k | 8 Jul 2026 | ||
| See all 3-year rates → | |||||
| 5yr | 3.35% | At maturity | $5k | 23 Apr 2026 | |
| 3.35% | Quarterly | $5k | 23 Apr 2026 | ||
| See all 5-year rates → | |||||
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P&N Bank term deposit FAQs
What is P&N Bank's best term deposit rate? ▾
P&N Bank's best current term deposit rate is 5.30% p.a. for a 1-year term, with interest paid at maturity. Compare this with all Australian banks →
What is P&N Bank's best 12-month term deposit rate? ▾
P&N Bank's best current 12-month term deposit rate is 5.30% p.a., with interest paid at maturity. Compare 12-month rates across all banks →
What is the minimum deposit for a P&N Bank term deposit? ▾
The lowest minimum deposit currently available for a P&N Bank term deposit is $5,000. Minimum deposits can vary by term length — check the rates table above for details.
Are P&N Bank's term deposit rates competitive right now? ▾
P&N Bank's best current rate is 5.30% p.a. for a 1-year term. Compare this against the current leaders to see where it sits in the market: See the best term deposit rates in Australia →