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The rates outlined below are effective 05 March 2025. Rates are subject to change and may change at any time including between the time you apply for a transaction account and when your account is opened.
& Transaction Account
| Variable rate | N/A |
| Interest calculated | N/A |
| Interest credited | N/A |
& Retirement Account
| Variable rate | 1.55% p.a. |
| Interest calculated | Daily balance |
| Interest credited | End of month |
Concession Account
| Variable rate | N/A |
| Interest calculated | N/A |
| Interest credited | N/A |
& Access Account
| Variable rate | N/A |
| Interest calculated | N/A |
| Interest credited | N/A |
Easypay Access Account
| Tier | Up to $99,999 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | Over $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
Budgeting Account
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Minimum monthly balance |
| Interest credited | End of month |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
Business Account
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Minimum monthly balance |
| Interest credited | End of month |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
Community Account
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
If your transaction account is overdrawn, interest will be charged on the overdrawn balance, and will be calculated daily at 16.69% p.a. and charged to the account at the end of the month or in line with the dates detailed above.
Everyday accounts no longer available
The interest rates below are the current interest rates for our everyday accounts that are no longer available for sale.
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
| Tier | Under $62,600 |
| Variable rate | 0.25% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | $62,600 + |
| Variable rate | 2.25% p.a. |
| Interest calculated | |
| Interest credited |
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
| Variable rate | 0.00% p.a. |
| Interest calculated | N/A |
| Interest credited | N/A |
| Variable rate | 0.00% p.a. |
| Interest calculated | N/A |
| Interest credited | N/A |
| Tier | Under $100,000 |
| Variable rate | 0.00% p.a. |
| Interest calculated | Daily balance |
| Interest credited | Quarterly |
| Tier | $100,000 + |
| Variable rate | 0.00% p.a. |
| Interest calculated | |
| Interest credited |
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Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.