These rates apply to deposits up to $1,000,000. Interest rates for amounts over $1,000,000 are by negotiation. Call us on 13 25 77 or visit your nearest branch for more information.
Money Maker Term Deposit
| Term | Interest rate | Interest paid |
|---|---|---|
| 2 months | 1.60% p.a. | At maturity |
| 3 months | 4.00% p.a. | At maturity |
| 4 months | 4.30% p.a. | At maturity |
| 5 months | 4.00% p.a. | At maturity |
| 6 months | 3.90% p.a. | At maturity |
| 7 months | 3.70% p.a. | At maturity |
| 8 months | 3.70% p.a. | At maturity |
| 9 months | 3.80% p.a. | At maturity |
| 10 months | 3.45% p.a. | At maturity |
| 11 months | 4.15% p.a. | At maturity |
| 12 months | 3.70% p.a. | At maturity |
& Retirement Term Deposit
| Term | Interest rate | Interest paid |
|---|---|---|
| 3 months | 4.10% p.a. | At maturity |
Regular Income Term Deposit
| Term | Interest paid monthly | Interest paid quarterly | Interest paid annually |
|---|---|---|---|
| 12 - 35 months | 3.40% p.a. | 3.40% p.a. | 3.40% p.a. |
| 36 - 60 months | 3.35% p.a. | 3.35% p.a. | 3.35% p.a. |
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Important information
The rates outlined above are effective 14 November 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.
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
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
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.