RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  
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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  6 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.
Category: Term Deposits  Last Updated December 18, 2025  Effective December 22, 2025

Product Features

  • Digital Banking
  • Other Additional Information: Flexible interest payment options - choose from interest paid at maturity (Money Maker), OR paid monthly, quarterly or annually (Regular Income)

Product Eligibility

  • Min Age - 12.
  • Other Additional Information: You must be or become a P&N Bank member
  • Residency Status - 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..

 Limitations & Restrictions (Constraints)

  • Max Balance of 1000000.00 Additional Information: Maximum balance is $1,000,000
  • Min Balance of 5000.00
  • Opening Balance of 5000.00 Additional Information: An Opening Balance of $5,000 is required for this product

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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