{ "snapshot_at": "2026-11-05T03:31:54Z", "brand": "Northern Inland Credit Union Limited", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUS80", "cdr_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS80", "x_v": 6, "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS80'", "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": "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" }, { "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": "NOTIFICATIONS", "additionalValue": "Alerts", "additionalInfo": "Receive notifications for transactions and balances on your accounts via SMS", "additionalInfoUri": "https://nicu.com.au/help-support/alerts" }, { "featureType": "OTHER", "additionalInfo": "Give your accountant access to your financial statements via online accounting software such as Banklink and Xero", "additionalInfoUri": "https://nicu.com.au/banking/business" }, { "featureType": "OTHER", "additionalInfo": "Self managed super fund holders only", "additionalInfoUri": "https://www.nicu.com.au/banking/investments-term-deposits/future-plus" }, { "featureType": "OTHER", "additionalInfo": "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" }, { "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" } ], "eligibility": [ { "eligibilityType": "BUSINESS", "additionalInfo": "Trust deeds must be sighted and accounts are titled 'Trustee Name as trustee' for The Trust Name" }, { "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": "ALERTS", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.25" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "First 8 free", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "BANK@POST_TRANS", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "4.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "VISA_ATM_WITHDRAWAL_OVERSEAS", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "2.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "ATM_DECLINED_TRANSACTION", "feeType": "EVENT", "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": "TRACE_FEE", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "28.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "Refunded if Credit Union is at fault.", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "DIRECT_DEBIT_DISHONOUR-REINSTATEMENT", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "12.50" }, "feeCap": "0.00", "currency": "AUD", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "HONOURING_DIRECT_DEBIT", "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" }, { "name": "SWIFT_FEE_INBOUND", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "11.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "Applicable when deposit/credit made to your account via the SWIFT system", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "SWIFT_FEE_OUTBOUND", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "25.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "Applicable when a payment is sent from your account via the SWIFT system", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "BANK_CONFIRMATION", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "30.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "RETRIEVAL_OF_ELECTRONIC_DOCUMENTS", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "1.50" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "Per Page", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" }, { "name": "OTHER_DOCUMENTS", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "50.00" }, "feeCap": "0.00", "currency": "AUD", "additionalInfo": "Per Hour", "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.0", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx" }, { "depositRateType": "VARIABLE", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx" }, { "depositRateType": "VARIABLE", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_3", "unitOfMeasure": "DOLLAR", "minimumValue": "10000.00", "maximumValue": "24999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx" }, { "depositRateType": "VARIABLE", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_4", "unitOfMeasure": "DOLLAR", "minimumValue": "25000.00", "maximumValue": "49999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx" }, { "depositRateType": "VARIABLE", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_5", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx" }, { "depositRateType": "VARIABLE", "rate": "0.034", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Future Plus_Tier_6", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "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": "NICUS80", "lastUpdated": "2026-11-02T14:42:19.000+11:00", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "Future Plus", "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.", "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/investments-term-deposits/future-plus", "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx", "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx", "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx" } } }