{
  "source": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUS4",
  "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": "DIGITAL_BANKING",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://nicu.com.au/help-support/smartpay-app"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Secure banking 24/7 from your computer or mobile with Online Banking",
        "additionalInfoUri": "https://nicu.com.au/help-support/online-banking"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number",
        "additionalInfoUri": "https://www.nicu.com.au/help-support/osko-fast-payments"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Alerts",
        "additionalInfo": "Receive notifications for transactions and balances on your accounts via SMS",
        "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
      },
      {
        "featureType": "FUNDS_AVAILABLE_AFTER",
        "additionalInfo": "Deposited funds available after specifed period from 1 November to 31 January annually",
        "additionalInfoUri": "https://www.nicu.com.au/banking/savings-accounts/christmas-club"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "AU",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "IN_BRANCH_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      },
      {
        "name": "ALERTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.25"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "First 8 free",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "additionalInfo": "Interest is calculated on the Minimum monthly balance",
        "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
      }
    ],
    "productId": "NICUS4",
    "lastUpdated": "2026-04-24T11:37:28.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Christmas Club",
    "description": "Budget for the festive season with an account designed for Christmas savings. Limited withdrawal and transfer period from 1 Nov to 31 Jan to help budgeting. Higher interest than at-call accounts.",
    "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/savings-accounts/christmas-club",
      "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx",
      "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx",
      "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
    }
  }
}