---
title: "Ready Saver — Northern Inland Credit Union Limited"
description: "Transaction & Savings Accounts from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS11
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-15T13:11:36.000+10:00
---

# Ready Saver — Northern Inland Credit Union Limited

> Transaction & Savings Accounts from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · NORTHERN INLAND CREDIT UNION LTD.**

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.

## At a glance

- **Base rate:** 3.65%

## Apply

Applications are handled by the provider: [Apply at Northern Inland Credit Union Limited](https://www.nicu.com.au/banking/banking-enquiry)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 15.75% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 3.1% | Ready Saver_Tier_1 | every 6 months |
| Variable | 3.3% | Ready Saver_Tier_2 | every 6 months |
| Variable | 3.65% | Ready Saver_Tier_3 | every 6 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| BANK@POST_TRANS — Capped at $0.00 · First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. | Transaction | $4.00 |
| IN_BRANCH_TRANSACTION — Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Transaction | $2.50 |
| VISA_ATM_WITHDRAWAL_OVERSEAS — Capped at $0.00 | Transaction | $2.00 |
| ALERTS — Capped at $0.00 · First 8 free | Event | $0.25 |
| ATM_DECLINED_TRANSACTION — Capped at $0.00 · This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. | Event | $2.50 |
| TRACE_FEE — Capped at $0.00 · Refunded if Credit Union is at fault. | Event | $28.00 |
| DIRECT_DEBIT_DISHONOUR-REINSTATEMENT — Capped at $0.00 | Event | $12.50 |
| HONOURING_DIRECT_DEBIT — Capped at $0.00 | Event | $10.00 |
| SWIFT_FEE_INBOUND — Capped at $0.00 · Applicable when deposit/credit made to your account via the SWIFT system | Transaction | $11.00 |
| SWIFT_FEE_OUTBOUND — Capped at $0.00 · Applicable when a payment is sent from your account via the SWIFT system | Transaction | $25.00 |
| BANK_CONFIRMATION — Capped at $0.00 | Event | $30.00 |
| RETRIEVAL_OF_ELECTRONIC_DOCUMENTS — Capped at $0.00 · Per Page | Event | $1.50 |
| OTHER_DOCUMENTS — Capped at $0.00 · Per Hour | Event | $50.00 |

## Features

- **Card access** (Shop online or in store with our Visa Debit card)
- **Digital wallet** — Apple Pay (The easy way to pay everyday with Apple Pay)
- **Digital wallet** — Google Pay (The convenience of a mobile wallet in your hands with Google Pay)
- **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)
- **Real-time payments (NPP)** (Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App)
- **PayID** (Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number)
- **Notifications** — Alerts (Receive notifications for transactions and balances on your accounts via SMS)
- **Give your accountant access to your financial statements via online accounting software such as Banklink and Xero**
- **Access your personal account wherever you see an Australia Post retail outlet displaying the Bank@Post sign, if you have a card linked to the account on which you want to transact.**

## Eligibility

- **Residency status** — AU (Individuals must be citizens or permanent residents of Australia.)
- **Minimum age** — 40 years

## More information from Northern Inland Credit Union Limited

- [Overview](https://www.nicu.com.au/banking/everyday-banking/ready-saver)
- [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S11.pdf.aspx)
- [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S11.pdf.aspx)
- [Fees & pricing](https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx)

## Data provenance

- Published by Northern Inland Credit Union Limited under the Consumer Data Right
- Product ID: `NICUS11`
- Last updated by the provider: 15 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS11
- Provider page: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000356

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUS11) — 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.

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