Northern Inland Credit Union Future Plus

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Future Plus is a savings account from Northern Inland Credit Union. At $50,000 it pays 3.40% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.

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
• for self-managed super funds only; not for personal or general business use
• trust deeds must be sighted and the account is titled in the trustee's name

Features

app

yes

Osko

yes

PayID

yes

notifications

yes

Other features, in the bank's words:

• Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
• Self managed super fund holders only
• Deposits to this account are covered under the Australian Financial Claims Scheme up to $250,000 in total balances for each account holder at Northern Inland Credit Union

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

monthly

interest calculated

daily

open to

SMSF customers

Who can open it, in the bank's own words:

• business: Trust deeds must be sighted and accounts are titled 'Trustee Name as trustee' for The Trust Name
• residency: Individuals must be citizens or permanent residents of Australia.

About this account

Take control of your future with an at-call access account for your self-managed superannuation fund. A sub account is available for budgeting. Competitive interest on balances over $5,000.

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: future-plus, pfs_S80.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

• Bonus Saverstale savings account, 4.05% conditional at $50,000
• Christmas Clubstale savings account, 0.05% 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.