{ "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "public_base_uri": "https://secure.nicu.com.au/OpenBanking", "logo_uri": "https://nicu.com.au/images/UserUploadedImages/11/NICUlogo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-02T03:43:05Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":4.4,"base_rate_pct":0.25,"bonus_rate_pct":4.15,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":4.4,"base_rate_pct":0.25,"bonus_rate_pct":4.15,"intro_rate_pct":null,"intro_months":null,"product_label":"Bonus Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":3.9,"base_rate_pct":3.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Ready Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":3.4,"base_rate_pct":3.4,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Future Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":3.4,"base_rate_pct":3.4,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Future Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":3.4,"base_rate_pct":3.4,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Future Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "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", "deposit $1 or more each month", "no withdrawals in the month", "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" ], "k2": [ "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", "age 40 and over", "members aged 40 or over; for a joint account at least one accountholder must be 40 or over", "one Ready Saver per person, personal use only" ], "k3": [ "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" ] }, "unranked": { "products": 3, "transaction_account": 1, "offset_account": 2 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "NICUS12", "product_name": "Bonus Saver", "product_label": "Bonus Saver", "product_slug": "bonus-saver", "page": "/au/finance/savings-accounts/accounts/northern-inland-credit-union-limited/bonus-saver/", "product_url": "https://nicu.com.au/banking/savings/bonus-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "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.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "min_monthly_deposit", "value": 1, "text": "deposit of at least $1.00" }, { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.0, "intro_pct": null, "base_pct": 0.25 }, "50000": { "ongoing_pct": 4.05, "intro_pct": null, "base_pct": 0.25 }, "250000": { "ongoing_pct": 4.4, "intro_pct": null, "base_pct": 0.25 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 59, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 61, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 58, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 62, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 64, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 60, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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", "deposit $1 or more each month", "no withdrawals in the month", "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" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS12", "source_snapshot": "/au/finance/savings-accounts/v1/source/northern-inland-credit-union-limited/NICUS12.json", "snapshot_at": "2026-11-05T03:31:54Z", "bank_last_updated": "2026-11-02T14:40:40.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.nicu.com.au/banking/savings/bonus-saver", "https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" ] } }, { "product_id": "NICUS4", "product_name": "Christmas Club", "product_label": "Christmas Club", "product_slug": "christmas-club", "page": "/au/finance/savings-accounts/accounts/northern-inland-credit-union-limited/christmas-club/", "product_url": "https://www.nicu.com.au/banking/savings-accounts/christmas-club", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "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.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.05, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 0.05, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 0.05, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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" ], "eligibility": [ "residency: Individuals must be citizens or permanent residents of Australia." ], "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS4", "source_snapshot": "/au/finance/savings-accounts/v1/source/northern-inland-credit-union-limited/NICUS4.json", "snapshot_at": "2026-10-22T13:25:24Z", "bank_last_updated": "2026-04-24T11:37:28.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.nicu.com.au/banking/savings-accounts/christmas-club", "https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" ] } }, { "product_id": "NICUS80", "product_name": "Future Plus", "product_label": "Future Plus", "product_slug": "future-plus", "page": "/au/finance/savings-accounts/accounts/northern-inland-credit-union-limited/future-plus/", "product_url": "https://www.nicu.com.au/banking/investments-term-deposits/future-plus", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx", "account_type": "savings", "segments": [ "smsf" ], "segment": "smsf", "description": "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.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.4, "intro_pct": null, "base_pct": 3.4 }, "50000": { "ongoing_pct": 3.4, "intro_pct": null, "base_pct": 3.4 }, "250000": { "ongoing_pct": 3.4, "intro_pct": null, "base_pct": 3.4 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 17, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 18, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 17, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 18, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 19, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 11, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 12, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 13, "of": 35 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Give your accountant access to your financial statements via online accounting software s…", "Self managed super fund holders only", "Deposits to this account are covered under the Australian Financial Claims Scheme up to $…" ] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "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" ], "eligibility": [ "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." ], "record_stale": true, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS80", "source_snapshot": "/au/finance/savings-accounts/v1/source/northern-inland-credit-union-limited/NICUS80.json", "snapshot_at": "2026-11-05T03:31:54Z", "bank_last_updated": "2026-11-02T14:42:19.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.nicu.com.au/banking/investments-term-deposits/future-plus", "https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx", "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" ] } }, { "product_id": "NICUS99", "product_name": "Internet Saver", "product_label": "Internet Saver", "product_slug": "internet-saver", "page": "/au/finance/savings-accounts/accounts/northern-inland-credit-union-limited/internet-saver/", "product_url": "https://www.nicu.com.au/banking/savings-accounts/internet-saver", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S99.pdf.aspx", "fees_url": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx", "eligibility_url": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S99.pdf.aspx", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Limited online access only for extra interest. 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