{
  "snapshot_at": "2026-11-05T03:31:54Z",
  "brand": "Northern Inland Credit Union Limited",
  "brand_slug": "northern-inland-credit-union-limited",
  "product_id": "NICUS15",
  "cdr_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS15",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS15'",
  "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": "BONUS_REWARDS",
        "additionalInfo": "Receive monthly bonus interest when a credit of $1500 or more is deposited into the account each month"
      },
      {
        "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": "OTHER",
        "additionalInfo": "View your statements via Online Banking"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18",
        "additionalInfo": "The SmartStart account is limited to accountholders who are 18 to 29 years old"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "29",
        "additionalInfo": "On a SmartStart accountholder's 30th birthday, the account funds and facilities are transferred to an Everyday Account and an interest bearing account"
      },
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalValue": "Employed",
        "additionalInfo": "The SmartStart account is limited to accountholders who are 18 to 29 years old in the workforce. The bonus interest is only paid where a minimum payroll credit of $1500 is electronically deposited to the Member's smartSTART Account each month"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0045",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Rate calculated if the account doesn't meet bonus rate requirements",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0355",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Rate calculated if the account doesn't meet bonus rate requirements",
        "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": "NICUS15",
    "lastUpdated": "2026-11-02T14:41:33.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Smart Start",
    "description": "The ideal savings account for young workers. Enjoy a base interest rate and a bonus interest rate when you deposit $1,500/month. Package with the Smart Start Access account for everyday use.",
    "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://www.nicu.com.au/banking/savings-accounts/smart-start",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S15.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S15.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}