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Up to
2.65% pa
Interest Rate

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Thinking about the future or simply have some extra cash you want to invest? Our term deposits give you the certainty of a fixed rate of return for a set investment period.

  • Secure, easy to understand investment
  • Invest from 3 to 24 months
  • Higher interest on larger amounts
  • Ideal for short term investments
  • Interest calculated daily, paid monthly or on maturity/annually from $5000

Up to
2.65% pa
Interest Rate

Make an EnquiryContact us

Start your investment journey early with our term deposits for 0-19 year olds. Investment amounts start at $1000, allowing the young to kick start saving with the certainty of a fixed rate of return for a set investment period.

  • Special term deposit for 0-19yr olds
  • Term Deposits start from $1000
  • Individual accounts only
  • Interest calculated daily paid on maturity/annually
  • Secure, easy to understand investment
  • Invest from 3 to 24 months
  • Higher interest offered on larger amounts
  • Ideal for short term investments



  Term deposits from $5,000 Product Features:
Term Deposits
Interest Rates
Minimum Rate0.25% pa
Maximum rate2.65% pa
3 months
3 months ($5000 to $9999.99) - Interest Paid Monthly0.25% pa
3 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($10000 to $24999.99) - Interest Paid Monthly0.25% pa
3 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($25000 to $49999.99) - Interest Paid Monthly0.25% pa
3 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity0.50% pa
3 Months ($50000 to $99999.99) - Interest Paid Monthly0.25% pa
3 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($100000 to $249999.99) - Interest Paid Monthly0.25% pa
3 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($250,000 ) Interest Paid MonthlyOn Application
3 months ($250,000 ) Interest Paid Annually or at MaturityOn Application
6 Months
6 Months ($5000 to $9999.99) - Interest Paid Monthly0.75% pa
6 Months ($5000 to $9999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($10000 to $24999.99) - Interest Paid Monthly0.75% pa
6 Months ($10000 to $24999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($25000 to $49999.99) - Interest Paid Monthly0.75% pa
6 Months ($25000 to $49999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($50000 to $99999.99) - Interest Paid Monthly0.75% pa
6 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($100000 to $249999.99) - Interest Paid Monthly0.75% pa
6 Months ($100000 to $249999.99) - Interest Paid Annually or at Maturity1.00% pa
6 months ($250,000 ) Interest Paid MonthlyOn Application
6 months ($250,000 ) Interest Paid Annually or at MaturityOn Application
9 Months
9 Months ($5000 to $9999.99) - Interest Paid Monthly0.85% pa
9 Months ($5000 to $9999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($10000 to $24999.99) - Interest Paid Monthly0.85% pa
9 Months ($10000 to $24999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($25000 to $49999.99) - Interest Paid Monthly0.85% pa
9 Months ($25000 to $49999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($50000 to $99999.99) - Interest Paid Monthly0.85% pa
9 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($100000 to $249999.99) - Interest Paid Monthly0.85% pa
9 Months ($100000 to $249999.99) - Interest Paid Annually or at Maturity1.10% pa
9 months ($250,000 ) Interest Paid MonthlyOn Application
9 months ($250,000 ) Interest Paid Annually or at MaturityOn Application
12 Months
12 months ($5000 to $9999.99) - Interest Paid Monthly2.05% pa
12 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($10000 to $24999.99) - Interest Paid Monthly2.05% pa
12 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($25000 to $49999.99) - Interest Paid Monthly2.05% pa
12 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($50000 to $99999.99) - Interest Paid Monthly2.05% pa
12 months ($50000 to $99999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($100000 to $249999.99) - Interest Paid Monthly2.05% pa
12 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($250,000 ) Interest Paid MonthlyOn Application
12 months ($250,000 ) Interest Paid Annually or at MaturityOn Application
24 Months
24 months ($5000 to $9999.99) - Interest Paid Monthly2.40% pa
24 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($10000 to $24999.99) - Interest Paid Monthly2.40% pa
24 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($25000 to $49999.99) - Interest Paid Monthly2.40% pa
24 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($50000 to $99999.99) - Interest Paid Monthly2.40% pa
24 months ($50000 to $99999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($100000 to $249999.99) - Interest Paid Monthly2.40% pa
24 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($250,000 ) Interest Paid MonthlyOn Application
24 months ($250,000 ) Interest Paid Annually or at MaturityOn Application
Features
Minimum amount$5000 
Funds available at callNo 
Interest incomeCalculated daily, paid monthly or annually maturity 
Branch TransactionsYes on maturity 
ATM/EFTPOS accessNo 
SMS AlertsNo
Direct Entry (Credit/Debit)No
Periodic paymentsNo 
Visa Debit and rediCard AccessNo
BPAY®No 

  Term Deposit for under 20's Product Features:
Young Saver Term Deposit
Interest Rates
Minimum Rate0.50% pa
Maximum rate2.65% pa
3 months
3 months ($1000 to $4999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity0.50% pa
3 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity0.50% pa
3 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity0.50% pa
6 Months
6 months ($1000 to $4999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($5000 to $9999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($10000 to $24999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($25000 to $49999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity1.00% pa
6 Months ($100000 to $249999.99) - Interest Paid Annually or at Maturity1.00% pa
9 Months
9 Months ($1000 to $4999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($5000 to $9999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($10000 to $24999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($25000 to $49999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($50000 to $99999.99) - Interest Paid Annually or at Maturity1.10% pa
9 Months ($100000 to $249999.99) - Interest Paid Annually or at Maturity1.10% pa
12 Months
12 months ($1000 to $4999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($50000 to $99999.99) - Interest Paid Annually or at Maturity2.30% pa
12 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity2.30% pa
24 Months
24 months ($1000 to $4999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($5000 to $9999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($10000 to $24999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($25000 to $49999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($50000 to $99999.99) - Interest Paid Annually or at Maturity2.65% pa
24 months ($100000 to $249999.99) - Interest Paid Annually or at Maturity2.65% pa
Features
Eligibility AppliesYes, available to 0 to 19yr olds only
Minimum amount$1000 
Funds available at callNo 
Interest incomeCalculated daily, paid monthly or annually maturity 
Branch TransactionsYes 
ATM/EFTPOS accessNo 
SMS AlertsNo
Direct Entry (Credit/Debit)No
Periodic paymentsNo 
Visa Debit and rediCard AccessNo
BPAY®No 

 

  Additional Product Information:

 

Important Information:

The issuer of this product is Northern Inland Credit Union Limited. Please read the Product Fact Sheet before acquiring this product in considering and deciding whether it is right for you. The target market determination for this product is available at nicu.com.au/disclosures.