Savings account rates › Northern Inland Credit Union Limited

Value Package Offset Account

Northern Inland Credit Union Limited

CDR officialNot listed in rate tables

Reduce your home loan interest charged, by linking a Value Package Offset account to your eligible mortgage. It 100% offsets against your eligible loan balance.

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Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

Rate	Applies to	Conditions	Source	Since
0.00%	Variable		CDR	1 Nov 2026

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Source

CDR officialConsumer Data Right product dataShow where this comes from

Fetched: 1 Nov 2026
URL: https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS33
Content hash: sha256 9e57911faffc5bfb23a2411174b2490942fa4b3cbe1ec3bf144991aaa2ccc5ed
Rule version: mapper@0.1.2

Consumer Data Right product dataev_cdr_9e57911faffc5bfb_2d993882Show details

Checked: 1 Nov 2026
URL: https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS33
Content hash: sha256 9e57911faffc5bfb23a2411174b2490942fa4b3cbe1ec3bf144991aaa2ccc5ed
Excerpt: —
Rule version: mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

Fee	Type	Amount
BANK@POST_TRANS	Transaction	$4.00
IN_BRANCH_TRANSACTION	Transaction	$2.50
VISA_ATM_WITHDRAWAL_OVERSEAS	Transaction	$2.00
ALERTS	Event	$0.25
ATM_DECLINED_TRANSACTION	Event	$2.50
TRACE_FEE	Event	$28.00
DIRECT_DEBIT_DISHONOUR-REINSTATEMENT	Event	$12.50
HONOURING_DIRECT_DEBIT	Event	$10.00
SWIFT_FEE_INBOUND	Transaction	$11.00
SWIFT_FEE_OUTBOUND	Transaction	$25.00
BANK_CONFIRMATION	Event	$30.00
RETRIEVAL_OF_ELECTRONIC_DOCUMENTS	Event	$1.50
OTHER_DOCUMENTS	Event	$50.00

Features and eligibility

Item	Value	Details
Card access		Shop online or in store with our Visa Debit card
Digital wallet	Apple Pay	The easy way to pay everyday with Apple Pay
Digital wallet	Google Pay	The convenience of a mobile wallet in your hands with Google Pay
Digital banking		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.
Digital banking		Secure banking 24/7 from your computer or mobile with Online Banking
Npp enabled		Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App
Npp payid		Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App
Notifications	Alerts	Receive notifications for transactions and balances on your accounts via SMS
Other		Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
Other		Access your personal account wherever you see an Australia Post retail outlet displaying the Bank@Post sign, if you have a card linked to the account on which you want to transact.
Offset		An everyday transaction account which attaches to your eligible variable home or investment loan and 100% offsets against your loan balance
Eligibility: other		You must hold an eligible home loan product to have a Smart Offset account
Eligibility: residency status	AU	Individuals must be citizens or permanent residents of Australia.

Rate history

Rate	From	To	Rate p.a.
Variable	1 Nov 2026	Current	0.00%

Tag	Meaning	Effect
`quality:no-interest`	quality:no-interest
`out-of-scope`	Reason this product is not ranked

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