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Primary Accounts

Whether you're looking for an account with convenient access to regular funds or simply to make your money work for you, we have the account to suit your needs.

On-Call Savings Account (S1)

A day-to-day transaction account with convenient access to regular funds and a full range of payment services.

  • Everyday account for payroll and general access
  • Forms a link between all Northern Inland accounts loans and investment products
  • No monthly account keeping fee
  • Subsidiary accounts available

 

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Learn More

To determine if this account suits your needs, click learn more to read the Product Fact Sheet.
  More Info
On-Call Savings Account
Minimum opening balance N/A
Funds available at call Yes
Branch Transactions Yes
EFTPOS/ATM Access rediCARD Yes
Phone and Online Banking Yes
SMS Alerts Yes
Direct Debits Yes
Periodical Payments Yes
Payroll Split Yes
Visa Debit Card Access Yes
Cheque book Yes
BPAY Yes

Over 40's - Portfolio Investment Account (S11)

You are over 40 years old and want to make your money work for you.

  • A primary account coupled with a higher rate of interest
  • Everyday account for payroll and general access
  • No monthly account keeping fee
  • The tiered rate of interest increases with the balance

 

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Learn More

To determine if this account suits your needs, click learn more to read the Product Fact Sheet.
  More Info
Portfolio Investment Account
Minimum opening balance N/A
Funds available at call Yes
Interest Income Calculated daily, paid six monthly
Branch Transactions Yes
EFTPOS/ATM Access rediCARD Yes
Phone and Online Banking Yes
SMS Alerts Yes
Direct Debits/ Credits Yes
Periodical Payments Yes
Payroll Split Yes
Visa Debit Card Access Yes
Cheque book Yes
BPAY Yes

Pension Plus Account (S10)

You are a full pension card holder seeking a profitable interest rate.

  • Enjoy a tiered rate of interest which increases with the balance
  • Minimal to no transaction fees depending on the Membership balance*
  • Everyday account for payroll and general access
  • No monthly account keeping fee
  • Interest calculated daily and paid monthly
  • Subsidiary accounts available

 

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Learn More

* Refer to the Member Loyalty Program for further details. To determine if this account suits your needs, click learn more to read the Product Fact Sheet.
  More Info
Pension Plus Account
Minimum opening balance N/A
Funds available at call Yes
Interest Income Calc. daily, paid monthly at the relevant Tier rate for the proportion of funds within each Tier
Branch Transactions Yes
EFTPOS/ATM Access rediCARD Yes
Phone and Online Banking Yes
SMS Alerts Yes
Direct Debits Yes
Periodical Payments Yes
Payroll Split Yes
Visa Debit Card Access Yes
Cheque book Yes
BPAY Yes

Smart Offset (S28,S29,S31,S32, S35) and Value Package Offset Accounts (S33)

An everyday transaction account which attaches to your eligible variable home or investment loan. The daily closing balance of your Offset Account reduces the interest payable on your home loan by offsetting the outstanding loan balance.

  • Everyday account for payroll and general access
  • 100% offset against your eligible loan balance
  • No monthly account keeping fee
  • Subsidiary accounts available for budgeting
 

Apply Now

Learn More

To determine if this account suits your needs, click learn more to read the Product Fact Sheet.
  More Info
Smart Offset Account
Minimum opening balance N/A
Funds available at call Yes
Interest Income Notional interest on your savings reduces the interest payable on your linked variable loan
Branch Transactions Yes
EFTPOS/ATM Access rediCARD Yes
Phone and Online Banking Yes
SMS Alerts Yes
Direct Debits Yes
Periodical Payments Yes
Payroll Split Yes
Visa Debit Card Access Yes
Cheque book Yes
BPAY Yes

What does our Smart Offset Account mean for you?

A Member with a $150,000 home loan over 25 years at an interest rate of 7.34% would have monthly repayments of $1,092.92.

This works out to approximately $177,877 in interest to be paid over the term of the loan.

With a Smart Offset Account linked to the home loan for the entire loan term with a constant balance of $10,000, a Northern Inland Member would pay the loan off in 21 years and pay approximately $134,299 in interest.

This represents a saving of four years and approximately $43,577 in interest.

Talk to a member of our friendly lending team today for full details.

Please note: These figures are based on a scenario for a Northern Inland Smart Home Loan - Variable Rate of 7.34% p.a., on the premise that the interest rate does not change for the life of the loan.

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Questions?

If you have any questions, please contact us Enquire

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