Northern Inland Credit Union Bonus Saver
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Bonus Saver is a savings account from Northern Inland Credit Union. At $50,000 it pays 4.05% p.a. in a month in which the conditions below are met and 0.25% when they are not.
Rate tiers
Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0 – $19,999.99 | 0.25% | 3.75% | 4.00% |
| $20,000 – $99,999.99 | 0.25% | 3.80% | 4.05% |
| $100,000 – $249,999.99 | 0.25% | 3.90% | 4.15% |
| $250,000+ | 0.25% | 4.15% | 4.40% |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.
The bonus rate changes with the balance; the bands above show what the feed states for each.
Conditions
For the bonus rate
- deposit $1 or more each month
- no withdrawals in the month
In the bank's own words, as its feed states each condition on the bonus rate:
- monthly depositdeposit of at least $1.00
Other conditions
- not updated by the bank since 2026-11-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- no bonus interest on the part of the balance over $500,000; only the 0.25% base rate is paid there
- any withdrawal in the month stops the bonus, including transfers out and automatic payments
- one Bonus Saver per accountholder
Features
- app
- yes
- Osko
- yes
- PayID
- yes
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- monthly
- interest calculated
- daily
- open to
- personal customers
Who can open it, in the bank's own words:
- residency: Individuals must be citizens or permanent residents of Australia.
About this account
The perfect account for savers looking for a competitive tiered interest rate. Enjoy bonus interest if no withdrawals are made and a minimum $1 deposit/month. No monthly account keeping fees.
Data
- Northern Inland Credit Union's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 5 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: bonus-saver, pfs_S12.pdf.aspx, pfs_InterestRatesSavings.pdf.aspx, NICU_Fees_Charges.pdf.aspx; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/northern-inland-credit-union-limited.json: this bank's accounts and every balance band as JSON; Northern Inland Credit Union's page lists them.- The bank last updated this record on 2 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Northern Inland Credit Union
- Christmas Clubstale savings account, 0.05% base at $50,000
- Future Plusstale savings account, 3.40% base at $50,000
- Internet Saverstale savings account, 2.40% base at $50,000
- Pension Plusstale savings account, 1.17% base at $50,000
- Ready Saverstale savings account, 3.55% base at $50,000
- Smart Startstale savings account, 4.00% conditional at $50,000
- Super Saverstale savings account, 2.43% base at $50,000
- Everyday Accountstale transaction account, 0.00% base at $50,000
All of Northern Inland Credit Union's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, bonus interest is paid only in the months an account's conditions are met, and banks may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.