---
title: "Bonus 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/NICUS12
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-20T13:00:16.000+10:00
---

# Bonus 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.**

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.

## At a glance

- **Base rate:** 0.25%
- **Bonus rate:** 3.9% (conditions apply)

## 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 (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% | Bonus Saver_Tier_1 | 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.) | 3.55% | Bonus Saver_Tier_2 | 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.) | 3.65% | Bonus Saver_Tier_3 | 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.) | 3.9% | Bonus Saver_Tier_4 | monthly |

## 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** — AU (Individuals must be citizens or permanent residents of Australia.)

## More information from Northern Inland Credit Union Limited

- [Overview](https://nicu.com.au/banking/savings/bonus-saver)
- [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.pdf.aspx)
- [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S12.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: `NICUS12`
- Last updated by the provider: 20 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS12
- 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/NICUS12) — 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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