P&N Bank12 Month Term Deposit
Take control of your investment with a term deposit from P&N Bank, offering a guaranteed rate of return and a high level of security.
At a glance
- Best rate
- 5.30% for 12m
- 12 months
- 5.30%
- Min deposit
- $5,000
How it compares
This term deposit in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This term deposit | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 12-month term depositBest rate for 12 months | 5.30% | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions | 28th highest of 65, level with 14 others |
Rates
The one rate P&N Bank publishes for this term deposit.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInterest paid at maturity | - | 1 yr | $5,000–$1,000,000 | 5.30% | - | paid at maturity; paid every 1 yr; Rate available to existing customers.; Rate available for new accounts.; Rate available to new customers. |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 7 Oct 2026 | Fixed, 1 yr, $5,000–$1,000,000 | 5.00% | 5.30% | up 0.30 |
Each change is logged the night it appears in the rates P&N Bank publishes. See how every lender answered the RBA on the rate tracker.
Features
- Flexible interest payment options - choose from interest paid at maturity (Money Maker), OR paid monthly, quarterly or annually (Regular Income)
Eligibility and limits
- Minimum age 12
- Residency: You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
- Minimum balance $5,000
- Opening balance $5,000
- You must be or become a P&N Bank member
Compare it with others
Put this product through a calculator
Published by P&N Bank under the Consumer Data Right, last changed by them on 6 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.