About Northern Inland Credit Union

We are a community-driven, Member owned mutual financial institution, committed to helping our Members find smarter ways to manage their money

Credit unions have a history of being tightly connected to the communities they inhabit. We contribute to our community through various not-for-profit organisations, initiatives and events in the arts, education, health, local sports and more.

Helping our Members and community prosper is our mission - we are here for people, not profits.

Our story

We have over 50 years experience in banking, 50+ years of helping regular Australians achieve their financial goals.

In 1988, Oxley Mutual Credit Union Ltd (founded 1970), Tamworth & District Community Credit Union Ltd (founded 1971) and Namoi Credit Union Ltd (founded 1971) merged to form Northern Inland Credit Union.

Our head office is located in Tamworth, New South Wales. We employ over 40 staff across our three locations; Tamworth, Gunnedah and Narrabri.

We tailor our offerings for Australians looking for smart banking solutions.

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Members/customers are shareholders

We are member-owned, which means our customers are our shareholders. Once you open an account or take out a loan with us you automatically become a Member. This provides you the right to vote at Annual General Meetings and to elect Board Directors.

When you join Northern Inland Credit Union you'll enjoy the benefits of belonging to a community-based organisation that values you and your needs.


We are trusted by over 14,000 Members across regional NSW, and beyond, to manage their money in a secure and responsible way. Over more than 50 years we have invested millions of dollars back into our community.

We implement 24/7 security measures and regularly update our Members about smart ways to keep their accounts safe.

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Secure and safe

Northern Inland Credit Union is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). Dealing with us is equally as safe as banking with other financial institutions in Australia.

The oversight we receive from APRA has strengthened our already sound business model administered by our Board of Directors and senior management. This puts us in a firm and sustainable position for the future.

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.

Other areas of interest


We are a community-driven, family orientated, Member owned mutual financial institution committed to helping people and our communities prosper.

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Work with us at Northern Inland Credit Union and make a difference. It’s our mission to provide personalised and friendly banking services.

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