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Northern Inland is a Member owned mutual financial institution, focused on finding smarter ways for our Members to manage their money. This means we are always on the look-out for fresh and innovative product and service offerings that suit our local market, our individual families and communities.

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Being locally owned and operated, with our head office in Tamworth, we have the ability to tailor our offerings direct to the people of Northern Inland NSW. All decisions are made right here by a team of some 40 staff members.

Northern Inland is dedicated to engaging local businesses wherever possible and is a strong supporter of community groups through our sponsorship program.

Our close relationship with our Members and the multiple generations of their families is what sets us apart from larger institutions. By offering personalised service with a full suite of products, our Members are always provided with the smartest ways to manage their money

Our Mission

To build strong and enduring relationships by helping Members find smarter ways to manage your money.


Northern Inland has over 50 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 our customers are our shareholders. Once you're a full Member, you have the right to vote at Annual General Meetings and for the election of Board Directors.


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 Financial Institution 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 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 full range of products. You can feel secure that your Savings and Investment accounts with Northern Inland are protected with the Government Deposit Guarantee.

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

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