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About Northern Inland

About Us

We are a community-driven, family orientated and sound financial institution providing honest and professional services for the benefit of our Members. As a mutual organisation, Northern Inland is locally owned and operated. Thus, all decisions are made locally.

We employ over 50 staff and are a strong supporter of local business and community groups.

Being a local institution, we have a well-developed and sound knowledge of our market and strong relationships with our Members. We have also implemented conservative and proven business practices to manage the provision of Member services.

Our Mission

To build strong, enduring relationships by helping members find smarter ways to manage their money

Our Vision

To be the leading digital mutual in Australia through an omni-channel banking service that helps member find smarter ways to manage their money by making Northern Inland their Main Financial Institution.


SMART Values


Northern Inland has 40 years experience in providing financial services. The amalgamation of three credit unions, Namoi Credit Union Ltd, Oxley Mutual Credit Union Ltd and Tamworth Community Credit Union Ltd, saw the emergence of Northern Inland in 1988.


We are member-owned, which means we are a democratic organisation totally focused on your needs. Once you're a member, you are entitled to an equal say in the running of Northern Inland Credit Union, you have the right to vote at Annual General Meetings and for the election of Board Directors - you can even stand for a position on the Board!


Northern Inland is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). Dealing with us is just as safe as with any bank in Australia.
The oversight we receive from APRA has strengthened our already sound business model administered by our Board of Directors and senior management, and we believe this puts us in a firm position relative to some other market participants.
As a strongly regulated mutual, Northern Inland is safe and competitive with a range of products.

Financial Claims Scheme: APRA oversees the Financial Claims Scheme (FCS) which is designed to protect depositor funds up to $250,000 per account holder per institution. As a result of this regulation we are required to provide you with the opportunity to nominate to us details of an alternate account you hold at another financial institution.
You can obtain more information about FCS at

You can obtain a form to advise us of an alternate account facility here.

What we offer

We offer a full product suite and exceptional Member service.

  • A range of everyday, savings and investment accounts
  • Home, investment, car and personal loan products
  • Insurance products
  • Business accounts
  • Easy access to your money anywhere in Australia or overseas with a rediCard, Northern Inland Visa Credit or Debit Card
  • Convenient access to your funds via Online Banking or Phone Banking


If you have any questions, please contact us Enquire

Find your nearest branch
Call us on 1300 65 65 81
Email us

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