--- title: "Northern Inland Credit Union Limited products" description: "Every Northern Inland Credit Union Limited product published under Australia's Consumer Data Right — rates, fees, features and eligibility." canonical: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited source: "CDR Compare" language: en-AU last_updated: 2026-07-01T12:14:39Z --- # Northern Inland Credit Union Limited products > Every Northern Inland Credit Union Limited product published under Australia's Consumer Data Right — rates, fees, features and eligibility — on CDR Compare. **Bank** · 47 products Northern Inland Credit Union Limited is a CDR data holder in banking. Each product below links to a full page with that product's interest rates, comparison rate where published, fees, features, eligibility criteria and constraints, plus a link to apply with Northern Inland Credit Union Limited. ## Transaction & Savings Accounts (11) Everyday banking and savings accounts. - [Bonus Saver](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS12) — The perfect account for savers looking for a competitive tiered interest rate. Enjoy bonus interest if no withdrawals are made and a minimum $1 deposit/month. No monthly account keeping fees. - [Ready Saver](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS11) — Everyday account for over 40s. Enjoy a competitive tiered interest rate on an everyday account for payroll and general access. Card and digital payment options. No monthly account keeping fee. - [Internet Saver](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS99) — Limited online access only for extra interest. No monthly account keeping fee. - [Everyday Account](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS1) — An everyday transaction account suitable for payroll and general access. Combine with a savings account suited to you. No monthly account keeping fee. - [Future Plus](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS80) — 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. - [Christmas Club](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS4) — 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. - [Smart Start](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS15) — 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. - [Pension Plus](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS10) — Specifically designed for full pension card holders. An everyday account for everyday access with a tiered interest rate. Sub accounts available for budgeting. No monthly account keeping fee. - [Super Saver](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS7) — Savings account for young savers aged up to 19 years. Enjoy a competitive interest rate for all balances up to $25,000. No withdrawal penalties or minimum deposits required. Funds available at call. - [Value Package Offset Account](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS33) — 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. - [Smart Offset](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS28) — Reduce your home loan interest charged, by linking a Smart Offset account to your eligible mortgage. It 100% offsets against your eligible loan balance. ## Term Deposits (15) Fixed-term savings with locked-in rates. - [12 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI11_STND) — Take advantage of great returns on term deposits from $5000 on 3 to 24 months terms. - [12 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI11_YS) — For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually - [3 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI13_STND) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [3 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI13_YS) — For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually - [6 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICU16_STND) — Take advantage of great returns on our term deposits from $5000 with interest paid at maturity/annually. - [6 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI16_YS) — For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually - [9 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI19_STND) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [9 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI19_YS) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [3 MONTHS Term Deposit with interest paid monthly](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI23) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [24 MONTHS Term Deposit with interest paid monthly](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI24) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [6 MONTHS Term Deposit with interest paid monthly](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI26) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [9 MONTHS Term Deposit with interest paid monthly](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI29) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [24 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI2_STND) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). - [24 MONTHS Term Deposit with interest paid at maturity/annually](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI2_YS) — For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually - [12 MONTHS Term Deposit with interest paid monthly](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUI21) — Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years). ## Home Loans (13) Residential mortgages for owner-occupiers and investors. - [Dream Home Loan New Borrowing](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33_NBO) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Dream Home Loan New Borrowing INV](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33_NBI) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Dream Home Loan Variable PI (Investment)](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33V_PI_INV) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Dream Home Loan Variable PI Owner Occupied](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33V_PI) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Dream Home Loan Variable IO Investment](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33V_IO_INV) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Dream Home Loan Variable IO Owner Occupied](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL33V_IO) — A dream home loan package with a special rate and extra benefits. No establishment fee and a 100% offset account to help you save. Fixed or variable available. - [Value Home Loan - Investment](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL30V_INV) — Our Value Home Loan offers financial flexibility, a competitive rate and no ongoing loan fees. - [Smart Home Loan Variable](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICU28V) — Our standard variable rate Smart Home Loan with 100% offset account and fee discounts on your everyday accounts - [Value Home Loan - Owner Occupied](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL30V_OO) — Our Value Home Loan offers financial flexibility, a competitive rate and no ongoing loan fees. - [Value Fixed Home Loan 12M](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL5F_12M) — Enjoy the security of a fixed rate for 1 year - [Smart Home Loan Fixed 24M](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL28F_24M) — Enjoy the security of a fixed rate for 2 years, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan - [Smart Home Loan Fixed 36M](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL28F_36M) — Enjoy the security of a fixed rate for 3 years, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan - [Smart Home Loan Fixed 12M](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL28F_12M) — Enjoy the security of a fixed rate for 1 year, 100% offset account, plus fee discounts on your everyday accounts for the life of the loan ## Credit & Charge Cards (1) Credit and charge cards. - [Classic Credit Card](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS55) — Use your credit card for shopping, online purchasing, travelling overseas or even to consolidate other credit or store card debt. ## Personal Loans (4) Unsecured and secured personal lending. - [Green Loan](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL77G) — Make sustainable upgrades sooner with our award-winning Green Loan - a fixed rate, unsecured loan for eligible home improvements to your principal residence. - [Personal Loan Unsecured](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL77F) — Achieve your personal goals with an unsecured fixed loan for up to 5 years - consolidate debts, home renovations, dream holiday or investment venture, education, wedding or household goods. - [Used Vehicle Loan](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL76F) — A fixed personal loan, taken over 1 to 5 years depending on your circumstances. Secured by a vehicle up to 10 years old. - [Brand New Vehicle Loan](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL75F_BNC) — A special fixed rate personal loan, with no establishment fee, for cars, motorbikes, caravans, boats or trailers that are brand new never and been driven before. ## Overdrafts (3) Linked credit facilities on transaction accounts. - [Easy Access](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS50) — Provides a credit facility with a NICU term deposit or mortgage to secure the overdraft, with on call access to savings and a full range of payment services - [Commercial Overdraft](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS30) — Provides an overdraft account facility for commercial Members, with on call access to savings and a full range of payment services - [Personal Overdraft](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS51) — Provides an unsecured credit facility to manage your cash flow, with on call access to savings and a full range of payment services ## Data provenance - Data published by Northern Inland Credit Union Limited under the Consumer Data Right - ABN 36087650422 - CDR Register entry updated: 1 July 2026 - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000356 - Provider Product Reference Data endpoint: https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products --- Source: [CDR Compare](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)