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P&N Bank

Like all Australian banks, P&N Bank is licensed by APRA and is an approved deposit taking institution. P&N Bank was established in 1990 and has extended its membership to all residents of Western Australia. As a member owned bank their sole purpose is to reinvest all profits back into the Bank which will reflect in lower fees, competitive rates and improved products, technology and resources. P&N Bank provides an extensive range of financial products to their members. These include credit cards, savings accounts, home loans, personal loans, special lending products and term deposits.

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P&N Bank home loans

TMD

Advertised Rate

2.79

% p.a

Variable

Comparison Rate*

2.79

% p.a

Lower than average interest rate
No upfront or ongoing fees
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

4.37

% p.a

Variable

Comparison Rate*

4.37

% p.a

No upfront or ongoing fees
100% full offset account
Suitable for low deposits
Parents can sign as guarantor

Real Time Rating™

Advertised Rate

3.43

% p.a

Variable

Comparison Rate*

3.43

% p.a

No upfront or ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments and redraw facility

Real Time Rating™

Advertised Rate

2.82

% p.a

Variable

Comparison Rate*

2.82

% p.a

Lower than average interest rate
No upfront or ongoing fees
100% full offset account
Suitable for low deposits

Real Time Rating™

P&N Bank personal loans

TMD

Advertised Rate

5.99

% p.a

Fixed

Comparison Rate*

6.63

% p.a

Fixed

Interest rates ranked in the best 20%
Lower than average application fees
No early exit penalty
Unlimited extra repayments

Real Time Rating™

Advertised Rate

9.49

% p.a

Variable

Comparison Rate*

10.12

% p.a

Variable

Lower than average rate
Lower than average application fees
No early exit penalty
Unlimited extra repayments

Real Time Rating™

P&N Bank car loans

TMD

Advertised Rate

6.81

% p.a

Variable

Comparison Rate*

7.80

% p.a

No early exit penalty
Unlimited extra repayments
Flexible repayment options
Can apply online

Real Time Rating™

P&N Bank credit cards

TMD

Purchase Rate

11.31

% p.a

Annual Fee

$49

Ongoing purchase rate ranked in the best 20%
Lower than average annual fee
Apple Pay, Google Pay and Samsung Pay available
Free supplementary cards

Purchase Rate

11.31

% p.a

Annual Fee

$99

Ongoing purchase rate ranked in the best 20%
Apple Pay, Google Pay and Samsung Pay available
Free domestic travel insurance
Free international travel insurance

P&N Bank savings accounts

TMD

-

% p.a

-

% p.a

Maximum interest rate ranked in the best 20% (conditions may apply)
No ongoing fees
No minimum balance

Real Time Rating™

0.50%*

% p.a

0.05

% p.a

*Deposit at least $10 a month and make no withdrawals

Better than average maximum interest rate
Ongoing bonus interest (conditions apply)
No ongoing fees
No minimum balance

Real Time Rating™

0.50

% p.a

intro 4 months then 0.05%

0.05

% p.a

Better than average maximum interest rate
Special intro rate
No ongoing fees
No minimum balance

Real Time Rating™

0.30

% p.a

0.30

% p.a

Better than average maximum interest rate
No ongoing fees
No minimum balance

Real Time Rating™

P&N Bank bank accounts

TMD

Account Keeping Fees

$0

Monthly

$2

Maximum Interest rate

0.05%

$0 account keeping fee
App banking available
Apple Pay, Google Pay, Samsung Pay available
0.01% - 0.05% interest available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

0.00%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

0.05%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

Account Keeping Fees

$0

Monthly

$0

Visa

Maximum Interest rate

0.05%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay, Samsung Pay available

Real Time Rating™

P&N Bank term deposits

TMD

0.50

% p.a

for 6 months

$25,000

Next rate increased

0.50

% p.a

for 6 months

Automatic maturity rollover

Real Time Rating™

P&N Bank reverse mortgages

Easy Living Home Loan

Reverse Mortgage

A reverse mortgage option for over 65's in the Perth area with a competitive variable interest rate

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