Value Package Offset Account
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.
- Base rate
- 0%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 15.75% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
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 |
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
Eligibility
- You must hold an eligible home loan product to have a Smart Offset account
- 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 8 October 2025 · Product ID NICUS33 · View on CDR.gov.au · View Source Data (JSON)