Money / Banks

Northern Inland Credit Union Limited

What Northern Inland Credit Union Limited publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check Northern Inland Credit Union Limited's own website.

Savings and transaction accounts

Rates for a $10,000 balance. Compare with other banks.

Account	If you miss the conditions	Bonus	With the bonus	What you have to do
Bonus Saver	0.25%	3.90%	4.15%	Make no withdrawals Put in at least $1 a month In the bank's words 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.
Christmas Club	0.05%	–	0.05%	No bonus
Future Plus	3.15%	–	3.15%	No bonus
Internet Saver	2.15%	–	2.15%	No bonus
Pension Plus	0.05%	–	0.05%	No bonus
Ready Saver	3.10%	–	3.10%	No bonus
Smart Start	0.45%	3.30%	3.75%	Put in at least $1,500 a month Ages 18 to 29 In the bank's words 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.
Super Saver	4.35%	–	4.35%	No bonus. Up to age 19

Term deposits

The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.

Product	3 months	6 months	12 months	24 months	Smallest deposit
12 MONTHS Term Deposit with interest paid at maturity/annually	–	–	4.90%	–	$5,000
12 MONTHS Term Deposit with interest paid at maturity/annually	–	–	4.90%	–	$1,000
12 MONTHS Term Deposit with interest paid monthly	–	–	4.65%	–	$5,000
24 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	4.10%	$5,000
24 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	4.10%	$1,000
24 MONTHS Term Deposit with interest paid monthly	–	–	–	3.85%	$5,000
3 MONTHS Term Deposit with interest paid at maturity/annually	3.25%	–	–	–	$5,000
3 MONTHS Term Deposit with interest paid at maturity/annually	3.25%	–	–	–	$1,000
3 MONTHS Term Deposit with interest paid monthly	3.00%	–	–	–	$5,000
6 MONTHS Term Deposit with interest paid at maturity/annually	–	4.00%	–	–	$5,000
6 MONTHS Term Deposit with interest paid at maturity/annually	–	4.00%	–	–	$1,000
6 MONTHS Term Deposit with interest paid monthly	–	3.75%	–	–	$5,000
9 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	–	$5,000
9 MONTHS Term Deposit with interest paid at maturity/annually	–	–	–	–	$1,000
9 MONTHS Term Deposit with interest paid monthly	–	–	–	–	$5,000

Home loans

Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.

Loan	Variable	Comparison	Fixed 1 yr	Fixed 2 yr	Fixed 3 yr	Fixed 4 yr	Fixed 5 yr
Dream Home Loan New Borrowing	6.24%	6.58%	–	–	–	–	–
Dream Home Loan Variable PI Owner Occupied	6.69%	7.03%	–	–	–	–	–
Smart Home Loan Fixed 12M	–	–	6.29%	–	–	–	–
Smart Home Loan Fixed 24M	–	–	–	6.39%	–	–	–
Smart Home Loan Fixed 36M	–	–	–	–	6.59%	–	–
Smart Home Loan Variable	7.69%	7.86%	–	–	–	–	–
Value Home Loan - Fixed 12M	–	–	5.99%	–	–	–	–
Value Home Loan - Owner Occupied	5.94%	5.98%	–	–	–	–	–

Credit cards

Compare with other banks.

Card	Purchases	Cash	Annual fee	Interest-free days	Owing $2,000
Classic Credit Card	14.00%	14.00%	$40	–	$320

Other products in these groups

These don't list rates we can show in a table (for example, accounts that pay no interest).

Dream Home Loan New Borrowing INV Home loans
Dream Home Loan Variable IO Investment Home loans
Dream Home Loan Variable IO Owner Occupied Home loans
Dream Home Loan Variable PI (Investment) Home loans
Everyday Account Savings and transaction accounts
Smart Offset Savings and transaction accounts
Value Home Loan - Investment Home loans
Value Package Offset Account Savings and transaction accounts

Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.

General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.

Source: Northern Inland Credit Union Limited product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at Northern Inland Credit Union Limited, which has the current details.