Bonus Saver
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.
- Base rate
- 0.25%
- Bonus rate
- 3.9%
- conditions apply
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 15.75% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | 0.25% | Bonus Saver_Tier_1 | monthly |
| Variable Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | 0.25% | Bonus Saver_Tier_2 | monthly |
| Variable Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | 0.25% | Bonus Saver_Tier_3 | monthly |
| Variable Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | 0.25% | Bonus Saver_Tier_4 | monthly |
| Bonus Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | 3.5% |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 |
| STAFF_TRANSFER Capped at $0.00 | Event | $10.00 |
Features
- 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
- Bonus rewards
- Receive monthly bonus interest when a deposit (min.$1) and no withdrawals are made
- 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
Eligibility
- Residency status — AUIndividuals must be citizens or permanent residents of Australia.
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 16 July 2026 · Product ID NICUS12 · View on CDR.gov.au