Northern Inland Credit Union Christmas Club
savings accountchristmas clubstaleterms checked
Christmas Club is a savings account from Northern Inland Credit Union. It pays 0.05% p.a. with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 0.05% |
One rate on every balance, with no upper limit.
Conditions
- not updated by the bank since 2026-04-24, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- a Christmas club account: withdrawals are restricted for most of the year
- withdrawals and transfers only between 1 November and 31 January; taking funds out at other times closes the account, and it cannot be reopened in the same calendar year
- one Christmas Club account per person
Features
- app
- yes
- Osko
- yes
- PayID
- yes
- notifications
- yes
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- annually
- open to
- personal customers
- christmas club
- a Christmas club account: withdrawals are restricted for most of the year
Who can open it, in the bank's own words:
- residency: Individuals must be citizens or permanent residents of Australia.
About this account
Budget for the festive season with an account designed for Christmas savings. Limited withdrawal and transfer period from 1 Nov to 31 Jan to help budgeting. Higher interest than at-call accounts.
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 22 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: christmas-club, pfs_S4.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 24 April 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
- Bonus Saverstale savings account, 4.05% conditional 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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