BSB 806 015

To give you the best possible experience, this site uses cookies. Learn more about cookies.

×
BSB 806 015

Interest rates

& Transaction Account

Product Name Tier Rate Interest Calculated Interest Credited
& Transaction Account > $0 n/a Daily balance N/A

Easypay Access Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easypay Access Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Easypay Access Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

& Retirement Account

Product Name Tier Rate Interest Calculated Interest Credited
& Retirement Account > $0 2.00% p.a. Daily balance Last day of every month

Student Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Student Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Student Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

Budgeting Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Budgeting Account $0 - $99,999 0.01% p.a. Minimum monthly balance Last day of every month
Budgeting Account > $100,000 0.05% p.a. Minimum monthly balance Last day of every month

Business Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Business Account $0 - $99,999 0.01% p.a. Minimum monthly balance Last day of every month
Business Account > $100,000 0.05% p.a. Minimum monthly balance Last day of every month

Community Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Community Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Community Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

& Access Account^*

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
& Access Account > $0 n/a Daily balance N/A

Easypay Mortgage Breaker*

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easypay Mortgage Breaker > $0 n/a Daily balance N/A

Easypay Plus Access Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easypay Plus Access Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Easypay Plus Access Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

Easypay Plus Mortgage Breaker Account*

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easypay Plus Mortgage Breaker > $0 n/a Daily balance N/A

Easy Living Savings Account#

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easy Living Savings Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Easy Living Savings Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

Easy Living Deeming Account#

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Easy Living Deeming Account $0 - $49,199 1.75% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Easy Living Deeming Account > $49,200 3.25% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

^Available to members who have acquired an & Home Loan after October 2015.

*100% of deposit balance is offset against the balance of the linked home loan.

# No longer available for sale. 

Where any 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 in accordance with the dates detailed above. All rates are subject to change without notice.​​​​​​

Hi Saver*

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Hi Saver (Standard Rate) $0 - $4,999 0.00% p.a. Daily balance Last day of every month
Hi Saver (Standard Rate) > $5,000 1.25% p.a. Daily balance Last day of every month
Hi Saver (Bonus Rate) > $5,000 1.50% p.a. Daily balance Last day of every month
Hi Saver (Standard & Bonus Rate) > $5,000 2.75% p.a. Daily balance Last day of every month

* Hi Saver bonus interest rate valid for accounts that maintain an account balance of $5,000 or more. Bonus interest rate applies to first 4 months from account opening.

SwiftSaver Account#

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
SwiftSaver Account (Standard Rate) > $0 0.10% p.a. Daily balance Last day of every month
SwiftSaver Account (Bonus Rate) $0 - $100,000 1.90% p.a. Daily balance Last day of every month
SwiftSaver Account (Standard & Bonus Rate) $0 - $100,000 2.00% p.a. Daily balance Last day of every month

# SwiftSaver bonus interest rate eligible for accounts that deposit at least $10 each month and make no withdrawals

Way Cool Saver Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Way Cool Saver $0 - $4,999 1.75% p.a. Daily balance Last day of every month
Way Cool Saver > $5,000 0.00% p.a. Daily balance Last day of every month

Donation Saver

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
Donation Saver > $0 0.25% p.a. Daily balance Last day of every month
Charity Donation > $0 1.25% p.a. Annual average balance End of Financial Year

CashSaver Account

Product Name Tier Rate
(Variable)
Interest Calculated Interest Credited
CashSaver Account $0 - $4,999 0.00% p.a. Daily balance Last day of every month
CashSaver Account > $5,000 1.25% p.a. Daily balance Last day of every month

Where any 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 in accordance with the dates detailed above. All rates are subject to change without notice.

Term Deposit - Money Maker

Term $5,000 - $24,999 $25,000 - $1,000,000
2 months n/a 2.15% p.a.
3 months 1.65% p.a. 2.40% p.a.
4 months 1.70% p.a. 2.45% p.a.
5 months 1.55% p.a. 2.30% p.a.
6 months 1.85% p.a. 2.60% p.a.
7 months 1.60% p.a. 2.35% p.a.
8 months 1.60% p.a. 2.35% p.a.
9 months 1.60% p.a. 2.35% p.a.
10 months 1.60% p.a. 2.35% p.a.
11 months 1.60% p.a. 2.35% p.a.

Term Deposit - Regular Income

Term $5,000 - $24,999 $25,000 - $1,000,000 Interest Paid
12-35 months 2.10% p.a. 2.55% p.a. Monthly
12-35 months 2.15% p.a. 2.60% p.a. Quarterly
12-35 months 2.25% p.a. 2.70% p.a. Annually
36-60 months 2.30% p.a. 2.75% p.a. Monthly
36-60 months 2.35% p.a. 2.80% p.a. Quarterly
36-60 months 2.45% p.a. 2.90% p.a. Annually

& Retirement Term Deposit^

Term $5,000 - $24,999 $25,000 - $1,000,000
3 months 2.50% p.a. 2.50% p.a.

^To be eligible for the & Retirement Term Deposit, at least one account holder must hold a & Retirement Account.

Money Maker Term Deposit and & Retirement Term Deposit, Interest on maturity, rate fixed for term of deposit. Member to determine term of deposit.
Regular Income Term Deposit, Interest credited to savings or paid by cheque. Rate fixed for term of deposit.

For amounts under $5,000 please refer to the Hi Saver or SwiftSaver Account under Savings Accounts.

All Term Deposits:
Interest will only be paid on funds invested for a minimum of 30 days. In the event of early termination of the term deposit, subject to the funds having been invested for the minimum period, interest will be calculated at the interest rate most recently published by the Reserve Bank of Australia on its website as being the “Cash Rate Target” at the time the investment is redeemed. If any interest has been paid prior to early redemption of a term deposit, any shortfall arising from the recalculation of interest in accordance with the previous paragraph will be deducted from the principal amount.

& Home Loan

Product Name Rate
(Variable)
Comparison Rate
& Home Loan 3.99% p.a. 4.02% p.a.

Smooth Home Loan

Product Name LVR Rate
(Variable)
Comparison Rate
Smooth Home Loan < 80.00% 4.64% p.a. 4.67% p.a.
Smooth Home Loan > 80.00% 4.74% p.a. 4.77% p.a.

Easypay Home Loan

Product Name Rate
(Variable)
Comparison Rate
Easypay Home Loan 5.14% p.a. 5.26% p.a.

Fixed Rate Home Loan - Owner Occupied

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 2 Year 3.99% p.a. 5.04% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 4.09% p.a. 5.06% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 4.19% p.a. 5.00% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 4.29% p.a. 5.03% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 4.59% p.a. 5.07% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 4.69% p.a. 5.10% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 4.59% p.a. 5.03% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 4.69% p.a. 5.07% p.a.

Fixed Rate Home Loan - Investor

Product Name LVR Term Rate
(Fixed)
Comparison Rate
Fixed Rate Home Loan < 80.00% 2 Year 4.19% p.a. 5.08% p.a.
Fixed Rate Home Loan > 80.00% 2 Year 4.29% p.a. 5.10% p.a.
Fixed Rate Home Loan < 80.00% 3 Year 4.39% p.a. 5.05% p.a.
Fixed Rate Home Loan > 80.00% 3 Year 4.49% p.a. 5.08% p.a.
Fixed Rate Home Loan < 80.00% 4 Year 4.99% p.a. 5.20% p.a.
Fixed Rate Home Loan > 80.00% 4 Year 5.09% p.a. 5.24% p.a.
Fixed Rate Home Loan < 80.00% 5 Year 4.99% p.a. 5.19% p.a.
Fixed Rate Home Loan > 80.00% 5 Year 5.09% p.a. 5.24% p.a.

Equity Access

Product Name Rate
(Variable)
Comparison Rate
Equity Access 5.64% p.a. n/a

Easy Living Home Loan

Product Name Rate
(Variable)
Comparison Rate
Easy Living Home Loan 6.24% p.a. 6.34% p.a.

Bridging Loan

Product Name Rate
(Variable)
Comparison Rate
Bridging Home Loan 6.04% p.a. 6.07% p.a.

Business Loan

Product Name Rate
(Variable)
Comparison Rate
Business Loan 5.29% p.a. n/a

Dream Home Loan^

Product Name Tier Rate
(Variable)
Comparison Rate
Dream Home Loan > $0 4.73% p.a. 4.77% p.a.

Easypay Plus Equity Access^

Product Name Tier Rate
(Variable)
Comparison Rate
Easypay Plus Equity Access $150,000 - $499,999 5.14% p.a. n/a
Easypay Plus Equity Access > $500,000 5.04% p.a. n/a

Easypay Plus Home Loan^

Product Name LVR Tier Rate
(Variable)
Comparison Rate
Easypay Plus Home Loan^ < 80.00% $150,000 - $499,999 4.49% p.a. 4.82% p.a.
Easypay Plus Home Loan^ > 80.00% $150,000 - $499,999 4.64% p.a. 4.97% p.a.
Easypay Plus Home Loan < 80.00% > $500,000 4.39% p.a. 4.72% p.a.
Easypay Plus Home Loan > 80.00% > $500,000 4.54% p.a. 4.87% p.a.
Easypay Plus Home Loan < 80.00% > $750,000 4.29% p.a. 4.63% p.a.

^No longer available for sale

Comparison rate based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Secured Personal Loan

Product Name Rate
(Variable)
Comparison Rate
Secured Personal Loan 6.99% p.a. 7.97% p.a.

Unsecured Personal Loan

Product Name Rate
(Variable)
Comparison Rate
Unsecured Personal Loan 13.00% p.a. 13.95% p.a.

Easypay Personal Loan^

Product Name Rate
(Variable)
Comparison Rate
Easypay Personal Loan - Secured 7.95% p.a. 8.88% p.a.
Easypay Personal Loan - Unsecured 13.00% p.a. 13.90% p.a.

Easypay Plus Personal Loan^

Product Name Rate
(Variable)
Comparison Rate
Easypay Plus Personal Loan - Secured 7.45% p.a. 7.45% p.a.
Easypay Plus Personal Loan - Unsecured 7.45% p.a. 7.45% p.a.

^No longer available for sale

Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. Warning: The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. You can view the Personal Loan Comparison Rate Schedule or request a copy from any P&N Bank Branch.

& Visa Platinum

Product Name Purchase Rate
(Variable)
Cash Advance Rate
(Variable)
Balance Transfer Rate
(Variable)
& Visa Platinum 3.99% p.a. 19.99% p.a. 3.99% p.a.

P&N Bank Visa Classic

Product Name Purchase Rate
(Variable)
Cash Advance Rate
(Variable)
Balance Transfer Rate
(Variable)
P&N Bank Visa Classic 11.49% p.a. 19.99% p.a. 11.49% p.a.

P&N Bank Visa Platinum

Product Name Purchase Rate
(Variable)
Cash Advance Rate
(Variable)
Balance Transfer Rate
(Variable)
P&N Bank Visa Platinum 11.49% p.a. 19.99% p.a. 11.49% p.a.

Easypay Visa Credit Card^

Product Name Purchase Rate Cash Advance Rate Balance Transfer Rate
Easypay VISA Credit Card 11.49% p.a. 11.49% p.a. n/a

Easypay Plus VISA Credit Card^

Product Name Purchase Rate Cash Advance Rate Balance Transfer Rate
Easypay Plus VISA Credit Card 11.49% p.a. 11.49% p.a. n/a

Easypay Plus Platinum VISA Credit Card^

Product Name Purchase Rate Cash Advance Rate Balance Transfer Rate
Easypay Plus Platinum VISA Credit Card 11.49% p.a. 11.49% p.a. n/a

P&N Bank Platinum Visa^

Product Name Purchase Rate Cash Advance Rate Balance Transfer Rate
P&N Bank Platinum VISA Credit Card 11.49% p.a. 11.49% p.a. n/a

^No longer available for sale

We'd like to use your current location

For a more localised experience please enter your location below...

×

Set your location for a more localised experience.

×
Feedback