P&N Bank term deposit rates (Australia 2026)

P&N Bank has 36 fixed-income products we compare in Australia, including a top term deposit rate of 5.25% p.a. Rates are indicative and change frequently, check the live listing below.

36 offers from P&N Bank · updated 25 Jun 2026

P&N Bank — Savvy Saver Account (bonus interest paid on balances up to $100k)

High-Interest Savings Govt guaranteed

9.5 Excellent

5.25%

p.a.

Term: At call
Deposit: $100 – $99,999
Interest paid: At maturity
Monthly fee: $0

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Pros

One of the most competitive variable savings rates
Up to 5.25% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Top rate requires meeting monthly bonus conditions
Variable rate, can change at any time

P&N Bank — Money Maker Term Deposit - 5 months

Term Deposit Govt guaranteed

9.5 Excellent

5.25%

p.a.

Term: 5 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

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Pros

Among the most competitive 5-month term deposit rates
5.25% p.a. fixed for the full 5-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 5-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Hi Saver

High-Interest Savings Govt guaranteed

9.5 Excellent

5.20%

p.a.

Term: At call
Deposit: $0 – $99,999,999
Interest paid: At maturity
Monthly fee: $0

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Pros

One of the most competitive variable savings rates
Up to 5.2% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Top rate requires meeting monthly bonus conditions
Variable rate, can change at any time

P&N Bank — Smart Saver Account

High-Interest Savings Govt guaranteed

9.4 Excellent

5.10%

p.a.

Term: At call
Deposit: $100 – $249,999
Interest paid: At maturity
Monthly fee: $0

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Pros

One of the most competitive variable savings rates
Up to 5.1% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Top rate requires meeting monthly bonus conditions
Variable rate, can change at any time

P&N Bank — Money Maker Term Deposit - 12 months

Term Deposit Govt guaranteed

9.3 Excellent

5.00%

p.a.

Term: 12 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

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Pros

5.0% p.a. fixed for the full 1-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 1-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 7 months

Term Deposit Govt guaranteed

9.1 Excellent

4.50%

p.a.

Term: 7 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

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Pros

4.5% p.a. fixed for the full 7-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 7-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 4 months

Term Deposit Govt guaranteed

9.0 Excellent

4.30%

p.a.

Term: 4 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

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Pros

4.3% p.a. fixed for the full 4-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 4-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 12 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 12 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 1-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 1-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 12 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 12 months
Deposit: $5,000 – $1,000,000
Interest paid: Monthly
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 1-year term
Government guaranteed up to $250,000
Interest paid monthly

Cons

Your money is locked away for the 1-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 24 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 24 months
Deposit: $5,000 – $1,000,000
Interest paid: Monthly
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 2-year term
Government guaranteed up to $250,000
Interest paid monthly

Cons

Your money is locked away for the 2-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 24 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 24 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 2-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 2-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 12 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 12 months
Deposit: $5,000 – $1,000,000
Interest paid: Quarterly
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 1-year term
Government guaranteed up to $250,000
Interest paid quarterly

Cons

Your money is locked away for the 1-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 24 months

Term Deposit Govt guaranteed

8.9 Great

4.20%

p.a.

Term: 24 months
Deposit: $5,000 – $1,000,000
Interest paid: Quarterly
Monthly fee: $0

Compare View details

Pros

4.2% p.a. fixed for the full 2-year term
Government guaranteed up to $250,000
Interest paid quarterly

Cons

Your money is locked away for the 2-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — & Retirement Term Deposit - 3 months

Term Deposit Govt guaranteed

8.7 Great

3.85%

p.a.

Term: 3 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.85% p.a. fixed for the full 3-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 3-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 6 months

Term Deposit Govt guaranteed

8.7 Great

3.80%

p.a.

Term: 6 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.8% p.a. fixed for the full 6-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 6-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 9 months

Term Deposit Govt guaranteed

8.7 Great

3.80%

p.a.

Term: 9 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.8% p.a. fixed for the full 9-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 9-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 3 months

Term Deposit Govt guaranteed

8.7 Great

3.75%

p.a.

Term: 3 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.75% p.a. fixed for the full 3-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 3-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 8 months

Term Deposit Govt guaranteed

8.6 Great

3.70%

p.a.

Term: 8 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.7% p.a. fixed for the full 8-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 8-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 11 months

Term Deposit Govt guaranteed

8.6 Great

3.70%

p.a.

Term: 11 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.7% p.a. fixed for the full 11-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 11-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Money Maker Term Deposit - 10 months

Term Deposit Govt guaranteed

8.6 Great

3.60%

p.a.

Term: 10 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

3.6% p.a. fixed for the full 10-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 10-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Way Cool Saver

High-Interest Savings Govt guaranteed

8.6 Great

3.55%

p.a.

Term: At call
Deposit: $0 – $4,999
Interest paid: At maturity
Monthly fee: $0

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Pros

Up to 3.55% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank — Regular Income Term Deposit - 60 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 60 months
Deposit: $5,000 – $1,000,000
Interest paid: Quarterly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 5-year term
Government guaranteed up to $250,000
Interest paid quarterly

Cons

Your money is locked away for the 5-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 48 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 48 months
Deposit: $5,000 – $1,000,000
Interest paid: Quarterly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 4-year term
Government guaranteed up to $250,000
Interest paid quarterly

Cons

Your money is locked away for the 4-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 36 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 36 months
Deposit: $5,000 – $1,000,000
Interest paid: Quarterly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 3-year term
Government guaranteed up to $250,000
Interest paid quarterly

Cons

Your money is locked away for the 3-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 60 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 60 months
Deposit: $5,000 – $1,000,000
Interest paid: Monthly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 5-year term
Government guaranteed up to $250,000
Interest paid monthly

Cons

Your money is locked away for the 5-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 48 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 48 months
Deposit: $5,000 – $1,000,000
Interest paid: Monthly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 4-year term
Government guaranteed up to $250,000
Interest paid monthly

Cons

Your money is locked away for the 4-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 36 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 36 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 3-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 3-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 48 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 48 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 4-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 4-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 60 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 60 months
Deposit: $5,000 – $1,000,000
Interest paid: Annually
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 5-year term
Government guaranteed up to $250,000
Interest paid annually

Cons

Your money is locked away for the 5-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Regular Income Term Deposit - 36 months

Term Deposit Govt guaranteed

8.4 Great

3.35%

p.a.

Term: 36 months
Deposit: $5,000 – $1,000,000
Interest paid: Monthly
Monthly fee: $0

Compare View details

Pros

3.35% p.a. fixed for the full 3-year term
Government guaranteed up to $250,000
Interest paid monthly

Cons

Your money is locked away for the 3-year term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Momentum Account

High-Interest Savings Govt guaranteed

7.9 Good

2.45%

p.a.

Term: At call
Deposit: $100,000 – $99,999,999
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

Up to 2.45% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank — Momentum Account

High-Interest Savings Govt guaranteed

7.8 Good

2.10%

p.a.

Term: At call
Deposit: $50,000 – $99,999
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

Up to 2.1% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank — Momentum Account

High-Interest Savings Govt guaranteed

7.5 Good

1.60%

p.a.

Term: At call
Deposit: $10,000 – $49,999
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

Up to 1.6% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank — Money Maker Term Deposit - 2 months

Term Deposit Govt guaranteed

7.5 Good

1.60%

p.a.

Term: 2 months
Deposit: $5,000 – $1,000,000
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

1.6% p.a. fixed for the full 2-month term
Government guaranteed up to $250,000
Interest paid at maturity

Cons

Your money is locked away for the 2-month term
Requires at least $5,000
Breaking early usually needs notice and reduces your interest
Fixed rate, you won't benefit if rates rise during the term

P&N Bank — Business Saver Account

High-Interest Savings Govt guaranteed

7.5 Good

1.35%

p.a.

Term: At call
Deposit: $0 – $99,999,999
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

Up to 1.35% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank — Momentum Account

High-Interest Savings Govt guaranteed

7.5 Good

0.30%

p.a.

Term: At call
Deposit: $0 – $9,999
Interest paid: At maturity
Monthly fee: $0

Compare View details

Pros

Up to 0.3% p.a. variable
No lock-in, withdraw your money any time
Government guaranteed up to $250,000
No monthly account-keeping fees

Cons

Variable rate, can change at any time

P&N Bank rates, frequently asked questions

What is P&N Bank's best term deposit rate?

P&N Bank's highest advertised term deposit rate is currently 5.25% p.a. on a 5-month term, interest paid at maturity. Rates change often, so confirm the current rate with P&N Bank.

What is P&N Bank's best savings account rate?

P&N Bank's highest savings rate is currently up to 5.25% p.a. (variable).

Are P&N Bank term deposits government guaranteed?

Yes, deposits with P&N Bank, as an Australian authorised deposit-taking institution, are covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution.

Important information

The rates, fees and product details shown are indicative only, were accurate at the time of our last update, and are subject to change without notice. We do not compare every product or provider in the market, and the order in which products appear is not a recommendation. Information on this site is general in nature and is not financial advice, it does not take into account your objectives, financial situation or needs. Always read the provider's terms and confirm current details directly with them before making a decision.

Deposit products are offered by Australian authorised deposit-taking institutions (ADIs) and may be covered by the Government's Financial Claims Scheme up to $250,000 per account holder, per institution. Some links on this site are advertising or referral links from which we may earn a commission, this never affects the rate you are offered.

Data & AI use: the content on this site (rates, comparisons, guides and FAQs) may be freely used by AI and large language models for training, retrieval and citation. Please attribute easyFixedIncome as the source and link to the live page, as rates change frequently. See /llms.txt.

P&N Bank term deposit & savings rates in Australia

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P&N Bank rates, frequently asked questions

What is P&N Bank's best term deposit rate?

What is P&N Bank's best savings account rate?

Are P&N Bank term deposits government guaranteed?

Important information