Rates & Fees

Rates & fees

See our competitive rates and fees for our products and services. See the product page for more details and features for each product.

Loan products available on the loan pages

Home Loan rates and fees
Personal & Car Loan rates and fees
Credit Card rates and fees

Everyday Account (S1)Left Heading Text.

This is not an interest bearing account.

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Balance		Interest rate
All balances		0.00% p.a.

Super Saver (S7)Left Heading Text.

0 - 19 years of age

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Balance		Interest rate
$0 - $24,999.99		4.00% p.a.
$25,000 +		0.01% p.a.

Smart Start (S15)Left Heading Text.

19-29 years of age.
Potential interest is paid if a minimum deposit of $1,500/month is made.

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Table Heading Text.

Balance	Base interest	Potential interest
All balances	0.45% p.a.	3.75% p.a.

Ready Saver (S11)Left Heading Text.

40+ years of age

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Balance		Interest rate
$0 - $49,999.99		3.15% p.a.
$50,000 - $99,999.99		3.40% p.a.
$100,000 +		3.75% p.a.

Pension Plus (S10)Left Heading Text.

Interest paid on the proportion of funds falling within each tier.

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Table Heading Text.

Balance		Interest rate
$0 - $9,999.99		0.30% p.a.
$10,000 - $49,999.99		1.25% p.a.
$50,000 - $249,999.99		1.60% p.a.
$250,000 +		2.05% p.a.

Internet Saver (S99)Left Heading Text.

View product page

Table Heading Text.

Balance		Interest rate
$0 - $4,999.99		0.00% p.a.
$5,000 +	Interest paid on total balance	2.25% p.a.

Bonus Saver (S12)

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Balance	Base interest	Bonus interest	Potential interest
$0 - $19,999.99	0.29% p.a.	3.48% p.a.	3.77% p.a.
$20,000 - $99,999.99	0.30% p.a.	3.60% p.a.	3.90% p.a.
$100,000 - $249,999.99	0.31% p.a.	3.72% p.a.	4.03% p.a.
$250,000 - $499,999.99	0.33% p.a.	3.96% p.a.	4.29% p.a.
$500,000 +	0.29% p.a.	0.00% p.a.	0.29% p.a.

Project Saver (S2)Left Heading Text.

(no new accounts)

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Table Heading Text.

Balance		Interest rate
$0 - $1,999.99		0.01% p.a.
$2,000 +		0.05% p.a.

Budget Savings (S3)Left Heading Text.

(no new accounts)

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Balance		Interest rate
All balances		0.01% p.a.

Christmas Club (S4)Left Heading Text.

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Balance		Interest rate
All balances		0.05% p.a.

Teenage Account (S8)Left Heading Text.

(no new accounts)

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Table Heading Text.

Balance		Interest rate
$0 - $1,999.99		2.10% p.a.
$2,000 +		3.60% p.a.

Future Plus (S80)Left Heading Text.

View product page

Table Heading Text.

Balance		Interest rate
$0 - $4,999.99		0.00% p.a.
$5,000 +	Interest paid on total balance	3.25% p.a.

Cash Management (S6)Left Heading Text.

(no new accounts)

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Table Heading Text.

Balance		Interest rate
$0 - $9,999.99		0.25% p.a.
$10,000 - $99,999.99		1.00% p.a.
$100,000 +		1.25% p.a.

Term DepositsLeft Heading Text.

Northern Inland offers term deposits from 3 to 24 months. Great short-term investments.

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$1,000 to $4,999.99 (Term Deposit for under 20's only)Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	NA	3.20% p.a.
6 months	NA	3.85% p.a.
9 months	NA	3.80% p.a.
12 months	NA	4.20% p.a.
24 months	NA	3.60% p.a.

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$5,000 to $9,999.99Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	2.95% p.a.	3.20% p.a.
6 months	3.60% p.a.	3.85% p.a.
9 months	3.55% p.a.	3.80% p.a.
12 months	3.95% p.a.	4.20% p.a.
24 months	3.35% p.a.	3.60% p.a.

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$10,000 to $24,999.99Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	2.95% p.a.	3.20% p.a.
6 months	3.60% p.a.	3.85% p.a.
9 months	3.55% p.a.	3.80% p.a.
12 months	3.95% p.a.	4.20% p.a.
24 months	3.35% p.a.	3.60% p.a.

Left Heading Text.

$25,000 to $49,999.99Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	2.95% p.a.	3.20% p.a.
6 months	3.60% p.a.	3.85% p.a.
9 months	3.55% p.a.	3.80% p.a.
12 months	3.95% p.a.	4.20% p.a.
24 months	3.35% p.a.	3.60% p.a.

Left Heading Text.

$50,000 to $99,999.99Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	2.95% p.a.	3.20% p.a.
6 months	3.60% p.a.	3.85% p.a.
9 months	3.55% p.a.	3.80% p.a.
12 months	3.95% p.a.	4.20% p.a.
24 months	3.35% p.a.	3.60% p.a.

Left Heading Text.

$100,000 to $249,999.99Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3 months	2.95% p.a.	3.20% p.a.
6 months	3.60% p.a.	3.85% p.a.
9 months	3.55% p.a.	3.80% p.a.
12 months	3.95% p.a.	4.20% p.a.
24 months	3.35% p.a.	3.60% p.a.

Left Heading Text.

$250,000 +Table Heading Text.

Term	Interest Paid Monthly	Interest Paid on Maturity
3-24 months	On Application	On Application

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Rates & Fees

Rates & fees

See our competitive rates and fees for our products and services. See the product page for more details and features for each product.

Loan products available on the loan pages

Everyday Account (S1)Left Heading Text.

Table Heading Text.

Super Saver (S7)Left Heading Text.

Table Heading Text.

Smart Start (S15)Left Heading Text.

Table Heading Text.

Ready Saver (S11)Left Heading Text.

Table Heading Text.

Pension Plus (S10)Left Heading Text.

Table Heading Text.

Internet Saver (S99)Left Heading Text.

Table Heading Text.

Bonus Saver (S12)

Project Saver (S2)Left Heading Text.

Table Heading Text.

Budget Savings (S3)Left Heading Text.

Table Heading Text.

Christmas Club (S4)Left Heading Text.

Table Heading Text.

Teenage Account (S8)Left Heading Text.

Table Heading Text.

Future Plus (S80)Left Heading Text.

Table Heading Text.

Cash Management (S6)Left Heading Text.

Table Heading Text.

Term DepositsLeft Heading Text.

$1,000 to $4,999.99 (Term Deposit for under 20's only)Table Heading Text.

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$5,000 to $9,999.99Table Heading Text.

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$10,000 to $24,999.99Table Heading Text.

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$25,000 to $49,999.99Table Heading Text.

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$50,000 to $99,999.99Table Heading Text.

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$100,000 to $249,999.99Table Heading Text.

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$250,000 +Table Heading Text.

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Important Information