--- title: "Value Package Offset Account — 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/NICUS33 source: "CDR Compare" language: en-AU last_updated: 2025-10-08T14:10:09.000+11:00 --- # Value Package Offset Account — 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.** 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. ## At a glance - **Base rate:** 0% ## 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 | 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 | 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** (Send and receive real-time payments via Osko from your Online Banking and NICU smartPay App) - **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.** - **Offset account** (An everyday transaction account which attaches to your eligible variable home or investment loan and 100% offsets against your loan balance) ## Eligibility - **You must hold an eligible home loan product to have a Smart Offset account** - **Residency status** — AU (Individuals must be citizens or permanent residents of Australia.) ## More information from Northern Inland Credit Union Limited - [Overview](https://www.nicu.com.au/banking/everyday-banking/smart-offset) - [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S28_S29_S31_S32_S33_S35.pdf.aspx) - [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S28_S29_S31_S32_S33_S35.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: `NICUS33` - Last updated by the provider: 8 October 2025 - Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS33 - 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/NICUS33) — product data published by Australian data holders under the Consumer Data Right. 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