---
title: "12 Month Term Deposit — P&N Bank"
description: "Term Deposits from P&N Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/p-and-n-bank/products/277
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-28T16:00:22.3851793Z
---

# 12 Month Term Deposit — P&N Bank

> Term Deposits from P&N Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits**

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.

## At a glance

- **Fixed rate:** 5% (1 year)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Fixed · 1 year (Interest paid at maturity · Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers. ) | 5% | Fixed $5,000–$1,000,000; Fixed 12 months | every 12 months |

## Features

- **Digital banking** (View your Term Deposit balance, interest rate, and maturity date using our mobile app or internet banking.)
- **Flexible interest payment options - choose from interest paid at maturity (Money Maker), OR paid monthly, quarterly or annually (Regular Income)**

## Eligibility

- **Minimum age** — 12 years
- **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.

## Constraints

- **Maximum balance** — $1,000,000.00 (Maximum balance is $1,000,000)
- **Minimum balance** — $5,000.00
- **Opening balance** — $5,000.00 (An Opening Balance of $5,000 is required for this product)

## More information from P&N Bank

- [Overview](https://www.pnbank.com.au/bank-and-save/term-deposits/)
- [Terms & conditions](https://www.pnbank.com.au/important-information/terms-and-conditions/term-deposit-account/)
- [Fees & pricing](https://www.pnbank.com.au/help-and-support/interest-rates/term-deposits/)

## Data provenance

- Published by P&N Bank under the Consumer Data Right
- Product ID: `277`
- Last updated by the provider: 28 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/p-and-n-bank/277
- Provider page: https://www.cdrcompare.au/brands/p-and-n-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000128

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/p-and-n-bank/products/277) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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