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.

On Call Savings (S1)Left Heading Text.

This is not an interest bearing account.

View product page

Table Heading Text.

Balance Interest rate
All balances 0.00% p.a.

Pension Plus (S10)Left Heading Text.

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

View product page

Table Heading Text.

Balance Interest rate
$0 - $9,999.99 0.55% p.a.
$10,000 - $49,999.99 1.50% p.a.
$50,000 - $249,999.99 1.85% p.a.
$250,000 + 2.30% p.a.

Portfolio Investment (S11)Left Heading Text.

View product page

Table Heading Text.

Balance Interest rate
$0 - $49,999.99 3.40% p.a.
$50,000 - $99,999.99 3.65% p.a.
$100,000 + 4.00% p.a.

Budget Savings (S3)Left Heading Text.

View product page

Table Heading Text.

Balance Interest rate
All balances 0.01% p.a.

Project Saver (S2)Left Heading Text.

View product page

Table Heading Text.

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

Christmas Club (S4)Left Heading Text.

View product page

Table Heading Text.

Balance Interest rate
All balances 0.05% p.a.

Super Saver (S7)Left Heading Text.

View product page

Table Heading Text.

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

Teenage Account (S8)Left Heading Text.

13-19 years of age.

View product page

Table Heading Text.

Balance Interest rate
$0 - $1,999.99 2.35% p.a.
$2,000 + 3.85% p.a.

Smart Start Bonus Saver (S15)Left Heading Text.

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

View product page

Table Heading Text.

Balance Base interest Potential interest
All balances 0.45% p.a. 4.00% 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 2.50% p.a.

Bonus Saver (S12)

View product page

Balance Base interest Bonus interest Potential interest
$0 - $19,999.99 0.31% p.a. 3.72% p.a. 4.03% p.a.
$20,000 - $99,999.99 0.33% p.a. 3.96% p.a. 4.29% p.a.
$100,000 - $249,999.99 0.34% p.a. 4.08% p.a. 4.42% p.a.
$250,000 - $499,999.99 0.37% p.a. 4.44% p.a. 4.81% p.a.
$500,000 + 0.31% p.a. 0.00% p.a. 0.31% 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 3.50% p.a.

Cash Management (S6)Left Heading Text.

View product page

Table Heading Text.

Balance Interest rate
$0 - $9,999.99 0.50% p.a.
$10,000 - $99,999.99 1.25% p.a.
$100,000 + 1.50% p.a.

Term DepositsLeft Heading Text.

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

Enquire online

$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 3.40% p.a.
6 months NA 4.00% p.a.
9 months NA 4.05% p.a.
12 months NA 4.40% p.a.
24 months NA 3.85% p.a.

Left Heading Text.

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

Term Interest Paid Monthly Interest Paid on Maturity
3 months 3.15% p.a. 3.40% p.a.
6 months 3.75% p.a. 4.00% p.a.
9 months 3.80% p.a. 4.05% p.a.
12 months 4.15% p.a. 4.40% p.a.
24 months 3.60% p.a. 3.85% p.a.

Left Heading Text.

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

Term Interest Paid Monthly Interest Paid on Maturity
3 months 3.15% p.a. 3.40% p.a.
6 months 3.75% p.a. 4.00% p.a.
9 months 3.80% p.a. 4.05% p.a.
12 months 4.15% p.a. 4.40% p.a.
24 months 3.60% p.a. 3.85% p.a.

Left Heading Text.

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

Term Interest Paid Monthly Interest Paid on Maturity
3 months 3.15% p.a. 3.40% p.a.
6 months 3.75% p.a. 4.00% p.a.
9 months 3.80% p.a. 4.05% p.a.
12 months 4.15% p.a. 4.40% p.a.
24 months 3.60% p.a. 3.85% p.a.

Left Heading Text.

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

Term Interest Paid Monthly Interest Paid on Maturity
3 months 3.15% p.a. 3.40% p.a.
6 months 3.75% p.a. 4.00% p.a.
9 months 3.80% p.a. 4.05% p.a.
12 months 4.15% p.a. 4.40% p.a.
24 months 3.60% p.a. 3.85% p.a.

Left Heading Text.

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

Term Interest Paid Monthly Interest Paid on Maturity
3 months 3.15% p.a. 3.40% p.a.
6 months 3.75% p.a. 4.00% p.a.
9 months 3.80% p.a. 4.05% p.a.
12 months 4.15% p.a. 4.40% p.a.
24 months 3.60% p.a. 3.85% 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
Thumbnail Image

Chat with our friendly team

We are here to help our Members with smarter ways to manage their money, speak with our expert team to find banking solutions which suit you.

Contact us

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.