Savings account rates › Northern Inland Credit Union Limited
Future Plus
Northern Inland Credit Union Limited
CDR official
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.
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 · $0–$5,000 | Business customers | CDR | 1 Nov 2026 |
| 3.15% | Variable · $5,000–$10,000 | Business customers | CDR | 1 Nov 2026 |
| 3.15% | Variable · $10,000–$25,000 | Business customers | CDR | 1 Nov 2026 |
| 3.15% | Variable · $25,000–$50,000 | Business customers | CDR | 1 Nov 2026 |
| 3.15% | Variable · $50,000–$100,000 | Business customers | CDR | 1 Nov 2026 |
| 3.15% | Variable · $100,000 or more | Business customers | 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/NICUS80- Content hash
sha256 c14989e10564320eb99acd670ae896f2f4600d4b67670ebfe9e99884d1bc1ca6- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_c14989e10564320e_c7ddfedaShow details
- Checked
- 1 Nov 2026
- URL
https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS80- Content hash
sha256 c14989e10564320eb99acd670ae896f2f4600d4b67670ebfe9e99884d1bc1ca6- 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 |
|---|---|---|
| IN_BRANCH_TRANSACTION | Transaction | $2.50 |
| ALERTS | Event | $0.25 |
| BANK@POST_TRANS | Transaction | $4.00 |
| VISA_ATM_WITHDRAWAL_OVERSEAS | Transaction | $2.00 |
| 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 |
|---|---|---|
| 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. | |
| Npp payid | Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number | |
| Npp enabled | 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 | Self managed super fund holders only | |
| Other | 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 | |
| Digital banking | Secure banking 24/7 from your computer or mobile with Online Banking | |
| Eligibility: business | Trust deeds must be sighted and accounts are titled 'Trustee Name as trustee' for The Trust Name | |
| Eligibility: residency status | AU | Individuals must be citizens or permanent residents of Australia. |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable · $0–$5,000 | 1 Nov 2026 | Current | 0.00% |
| Variable · $100,000 or more | 1 Nov 2026 | Current | 3.15% |
| Variable · $50,000–$100,000 | 1 Nov 2026 | Current | 3.15% |
| Variable · $25,000–$50,000 | 1 Nov 2026 | Current | 3.15% |
| Variable · $10,000–$25,000 | 1 Nov 2026 | Current | 3.15% |
| Variable · $5,000–$10,000 | 1 Nov 2026 | Current | 3.15% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
segment:business | Business customers | Listed with business products, not personal ones |
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