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The rates outlined below are effective 23 April 2025. Rates are subject to change and may change at any time including between the time you apply for a term deposit account and when your account is opened.
Money Maker Term Deposit
| Term | 2 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 1.60% p.a. |
| Term | 3 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.30% p.a. |
| Term | 4 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.15% p.a. |
| Term | 5 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.10% p.a. |
| Term | 6 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.00% p.a. |
| Term | 7 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 3.70% p.a. |
| Term | 8 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.00% p.a. |
| Term | 9 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 3.90% p.a. |
| Term | 10 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 3.55% p.a. |
| Term | 11 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 3.55% p.a. |
| Term | 12 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.00% p.a. |
Regular Income Term Deposit
| Term | 12 - 35 months |
| Interest paid | Monthly |
| Interest rate ($5,000 - $1,000,000) | 3.40% p.a. |
| Term | 12 - 35 months |
| Interest paid | Quarterly |
| Interest rate ($5,000 - $1,000,000) | 3.40% p.a. |
| Term | 12 - 35 months |
| Interest paid | Annually |
| Interest rate ($5,000 - $1,000,000) | 3.40% p.a. |
| Term | 36 - 60 months |
| Interest paid | Monthly |
| Interest rate ($5,000 - $1,000,000) | 3.35% p.a. |
| Term | 36 - 60 months |
| Interest paid | Quarterly |
| Interest rate ($5,000 - $1,000,000) | 3.35% p.a. |
| Term | 36 - 60 months |
| Interest paid | Annually |
| Interest rate ($5,000 - $1,000,000) | 3.35% p.a. |
& Retirement Term Deposit
| Term | 3 months |
| Interest paid | At maturity |
| Interest rate ($5,000 - $1,000,000) | 4.35% p.a. |
These rates apply to deposits up to $1,000,000. Interest rates for amounts over $1,000,000 are by negotiation. For more information on these rates please contact your local P&N Bank branch or our contact centre on 13 25 77.
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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.
Special terms and conditions
Money Maker Term Deposits
- Terms range from 2 to 12 months
- The minimum deposit for a term deposit is $5,000
- Interest is paid on maturity
Regular Income Term Deposits
- Terms range from 12 to 60 months
- Minimum deposit of $5,000
- Interest is paid monthly, quarterly or annually, on the anniversary of the account opening
- Interest payments are paid into a savings account, either with P&N Bank or externally to you
& Retirement Term Deposit
- 3 month term only
- Minimum deposit of $5,000
- Interest is paid on maturity
- Available to personal members only (individuals), one of which must be aged 55 or older