{
  "snapshot_at": "2026-11-05T03:31:54Z",
  "brand": "Northern Inland Credit Union Limited",
  "brand_slug": "northern-inland-credit-union-limited",
  "product_id": "NICUS12",
  "cdr_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS12",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS12'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalInfo": "Receive monthly bonus interest when a deposit (min.$1) and no withdrawals are made"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "IN_BRANCH_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "STAFF_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0025",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.038",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.039",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0415",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Bonus Saver_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalInfo": "Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1575",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "NICUS12",
    "lastUpdated": "2026-11-02T14:40:40.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bonus Saver",
    "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.",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://nicu.com.au/banking/savings/bonus-saver",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}