Savings account rates › Northern Inland Credit Union Limited
Smart Start
Northern Inland Credit Union Limited
CDR officialNot ranked in rate tables
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.
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 |
|---|---|---|---|---|
| 3.30% | Bonus | Bonus rate, paid in months you meet the lender's conditions; the lender doesn't say whether it is added to the base rate Not compared in rate tables | CDR | 1 Nov 2026 |
| 0.45% | Variable | Bonus conditions are described in the lender's own words; see the lender's page | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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/NICUS15- Content hash
sha256 c8786cf8c7293f66b05df262864b2b6e7b95c33a71f4715fd02b6d879a96f347- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c8786cf8c7293f66_b722f7f0Show details
- Checked
- 1 Nov 2026
- URL
https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS15- Content hash
sha256 c8786cf8c7293f66b05df262864b2b6e7b95c33a71f4715fd02b6d879a96f347- 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.
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Bonus rewards | Receive monthly bonus interest when a credit of $1500 or more is deposited into the account each month | |
| 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 | |
| Other | View your statements via Online Banking | |
| Eligibility: min age | 18 | The SmartStart account is limited to accountholders who are 18 to 29 years old |
| Eligibility: max age | 29 | On a SmartStart accountholder's 30th birthday, the account funds and facilities are transferred to an Everyday Account and an interest bearing account |
| Eligibility: employment status | Employed | 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 |
| Eligibility: residency status | AU | Individuals must be citizens or permanent residents of Australia. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Bonus | 1 Nov 2026 | Current | 3.30% |
| Variable | 1 Nov 2026 | Current | 0.45% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
pricing:bonus-unstated | Bonus conditions in the lender's own words | A total rate can't be worked out, so the product is display only |
bonus-conditions-free-text | Reason this product is not ranked | |
bonus-base-relationship-unstated | Reason this product is not ranked | |
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