{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI2_YS",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "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"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Maturity Reminders",
        "additionalInfo": "We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Receive notifications of maturity via SMS or email",
        "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "249999.99",
        "additionalInfo": "For amounts greater than $249,999.99 please contact Northern Inland Credit Union for the latest interest rates"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "19",
        "additionalInfo": "Maximum age 19 years"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.041",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "24 MONTHS Term Deposit with interest paid at maturity/annually_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "24 MONTHS Term Deposit with interest paid at maturity/annually_Tier_1",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "24",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P24M",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.041",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "24 MONTHS Term Deposit with interest paid at maturity/annually_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "24 MONTHS Term Deposit with interest paid at maturity/annually_Tier_2",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "24",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P24M",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      }
    ],
    "productId": "NICUI2_YS",
    "lastUpdated": "2026-04-22T15:00:10.000+10:00",
    "productCategory": "TERM_DEPOSITS",
    "name": "24 MONTHS Term Deposit with interest paid at maturity/annually",
    "description": "For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually",
    "brand": "NORTHERN INLAND CREDIT UNION LTD.",
    "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
    "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.nicu.com.au/banking/investments-term-deposits/term-deposits",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}