P&N Bank — Rate History

See P&N Bank's term deposit rate history and current term options. As of August 2026, P&N Bank is currently most competitive on shorter-term deposits, with up to 5.20% p.a. on a 6mo term. For longer commitments, rates currently reach 5.00% p.a. for 1yr. Compare all current term deposit rates to see how P&N Bank compares with other Australian banks today.

3mo term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
3.85% Current	Quarterly	$5k	23 Apr 2026	—

6mo term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
5.20% Current	Semi-annually	$5k	25 Aug 2026	—
3.80%	Semi-annually	$5k	23 Apr 2026	25 Aug 2026

1yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
4.20% Current	Quarterly	$5k	8 Jul 2026	—
4.20%	Quarterly	$5k	12 May 2026	4 Jul 2026
5.00% Current	At maturity	$5k	23 Apr 2026	—

18mo term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
4.20% Current	At maturity	$5k	8 Jul 2026	—
4.20% Current	Quarterly	$5k	8 Jul 2026	—
4.20%	At maturity	$5k	12 May 2026	4 Jul 2026
4.20%	Quarterly	$5k	12 May 2026	4 Jul 2026

2yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
4.20% Current	Quarterly	$5k	23 Apr 2026	—
4.20% Current	At maturity	$5k	23 Apr 2026	—

3yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
3.35% Current	At maturity	$5k	8 Jul 2026	—
3.35% Current	Quarterly	$5k	8 Jul 2026	—
3.35%	At maturity	$5k	12 May 2026	4 Jul 2026
3.35%	Quarterly	$5k	12 May 2026	4 Jul 2026

5yr term

Rate p.a.	Interest paid	Min deposit	Valid from	Valid to
3.35% Current	At maturity	$5k	23 Apr 2026	—
3.35% Current	Quarterly	$5k	23 Apr 2026	—