Attention Members See here for more information regarding recent Weather Events and Interest Rate Changes | Northern Inland Credit Union

Members Impacted by Floods

For any Members experiencing hardship as a result of recent weather events, please contact us on 02 67 63 5111 if you require assistance.

Mortgage Rates Effective 1st June 2025.

Following the recent RBA rate cut, NICU will be reducing all Variable Rate Home Loans and Variable Rate Commercial Loans by 0.25%.

1, 2, 4 & 5-year Fixed Home Loans rates are also reducing.

This excludes Commercial Overdrafts

Investment/Term deposit Rate Changes Updated 21.05.2025

Our 3-month interest paid monthly, and standard interest rates have decreased by 0.20%.

Our 12 months interest paid monthly, and standard interest rates have decreased by 0.10%

Please refer to our Savings Interest Rates Brochure under Disclosures on our website.

Savings Rates Interest Rate Changes - Effective 1st June 2025.

	Savings Product Type	Old rate	New Rate
	Cash Management Account (S6)
	$0 - $9,999.99	0.25%	0.10%
	$10,000 - $99,999.99	1.00%	0.75%
	Over $99,999.99	1.25%	1.00%
	Teenage Account (S8)
	$0 - $1,999.99	2.10%	1.85%
	Over $1,999.99	3.60%	3.35%
	Pension Plus (S10)
	$0 - $9,999	0.30%	0.10%
	$10,000 - $49,999	1.25%	1.00%
	$50,000 - $249,999	1.60%	1.35%
	$250,000 and over	2.05%	1.80%
	Ready Saver (S11)
	$0 - $49,999.99	3.15%	2.90%
	$50,000 - $99,999.99	3.40%	3.15%
	Over $100,000	3.75%	3.50%
	Bonus Saver (S12)	Credit Interest Rate
	$0 - $19,999.99	0.29%	0.27%
	$20,000 - $99,999.99	0.30%	0.28%
	$100,000 - $249,999.99	0.31%	0.29%
	$250,000 - $499,999.99	0.33%	0.31%
	$500,000 +	0.29%	0.27%
Savings Product Type		Old rate	New Rate
Bonus Saver (S12)		Bonus Interest Rate
$0 - $19,999.99		3.48%	3.24%
$20,000 - $99,999.99		3.60%	3.36%
$100,000 - $249,999.99		3.72%	3.48%
$250,000 - $499,999.99		3.96%	3.72%
$500,000 +		0.00%	No change
Smart Start (S15)
Interest Rate		0.45%	No change
Potential Interest Rate		3.75%	3.50%
Future Plus (S80)
$0 - $4,999.99		0.00%	No change
$5,000 +		3.25%	3.00%
Internet Saver (S99)
$0 - $4,999.99		0.00%	No change
$5,000 +		2.25%	2.00%

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Local (02) 6763 5111
Overseas +61 2 6763 5111

info@nicu.com.au

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