{
 "brand": "Northern Inland Credit Union Limited",
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 "brand_slug": "northern-inland-credit-union-limited",
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 "logo_uri": "https://nicu.com.au/images/UserUploadedImages/11/NICUlogo.png",
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 "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
 "status": "ok",
 "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated)",
 "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; check the bank's page before acting. This is not financial advice.",
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   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great returns on term deposits from $5000 on 3 to 24 months terms.",
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    "personal"
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI11_YS.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually",
   "min_balance": 1000.0,
   "max_balance": 249999.99,
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    "age 19 and under: Maximum age 19 years"
   ],
   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
   "rate_count": 2,
   "addons": [],
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  },
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   "segments": [
    "personal"
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI13_STND",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI13_STND.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
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   "max_balance": 249999.99,
   "conditions": [],
   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
   "rate_count": 5,
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   "product_id": "NICUI13_YS",
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   "segments": [
    "personal"
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI13_YS",
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   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually",
   "min_balance": 1000.0,
   "max_balance": 249999.99,
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    "age 19 and under: Maximum age 19 years"
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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   "addons": [],
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   "product_id": "NICU16_STND",
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   "segments": [
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU16_STND",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICU16_STND.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great returns on our term deposits from $5000 with interest paid at maturity/annually.",
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  },
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI16_YS",
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   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually",
   "min_balance": 1000.0,
   "max_balance": 249999.99,
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    "age 19 and under: Maximum age 19 years"
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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  },
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   "product_id": "NICUI19_STND",
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    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI19_STND.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 5000.0,
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  },
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   "product_name": "9 MONTHS Term Deposit with interest paid at maturity/annually",
   "product_label": "9 MONTHS Term Deposit with Interest Paid at Maturity/annually (2)",
   "segment": "personal",
   "segments": [
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   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI19_YS",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI19_YS.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 1000.0,
   "max_balance": 249999.99,
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    "age 19 and under: Maximum age 19 years"
   ],
   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
   "rate_count": 2,
   "addons": [],
   "no_rates_reason": null
  },
  {
   "product_id": "NICUI23",
   "product_name": "3 MONTHS Term Deposit with interest paid monthly",
   "product_label": "3 MONTHS Term Deposit with Interest Paid Monthly",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI23",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI23.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 5000.0,
   "max_balance": 249999.99,
   "conditions": [],
   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
   "rate_count": 5,
   "addons": [],
   "no_rates_reason": null
  },
  {
   "product_id": "NICUI24",
   "product_name": "24 MONTHS Term Deposit with interest paid monthly",
   "product_label": "24 MONTHS Term Deposit with Interest Paid Monthly",
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   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI24",
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   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 5000.0,
   "max_balance": 249999.99,
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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   "addons": [],
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  },
  {
   "product_id": "NICUI26",
   "product_name": "6 MONTHS Term Deposit with interest paid monthly",
   "product_label": "6 MONTHS Term Deposit with Interest Paid Monthly",
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   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI26",
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   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 5000.0,
   "max_balance": 249999.99,
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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  },
  {
   "product_id": "NICUI29",
   "product_name": "9 MONTHS Term Deposit with interest paid monthly",
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   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI29",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI29.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
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   "max_balance": 249999.99,
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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  },
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   "product_id": "NICUI2_STND",
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   "product_label": "24 MONTHS Term Deposit with Interest Paid at Maturity/annually",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI2_STND",
   "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI2_STND.json",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).",
   "min_balance": 5000.0,
   "max_balance": 249999.99,
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   "bank_last_updated": "2026-04-22T15:00:10.000+10:00",
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  },
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   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
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   "segments_inferred": [],
   "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
   "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI21",
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 ],
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   "segments_inferred": [],
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   "term_max_months": 3,
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