---
title: "Christmas Club — 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/NICUS4
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-24T11:37:28.000+10:00
---

# Christmas Club — 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.**

Budget for the festive season with an account designed for Christmas savings. Limited withdrawal and transfer period from 1 Nov to 31 Jan to help budgeting. Higher interest than at-call accounts.

## At a glance

- **Base rate:** 0.05%

## Apply

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

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest is calculated on the Minimum monthly balance) | 0.05% | — | yearly |

## 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 |
| ALERTS — Capped at $0.00 · First 8 free | Event | $0.25 |

## 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)
- **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)
- **Funds available after** (Deposited funds available after specifed period from 1 November to 31 January annually)

## Eligibility

- **Residency status** — AU (Individuals must be citizens or permanent residents of Australia.)
- **Individuals only**

## More information from Northern Inland Credit Union Limited

- [Overview](https://www.nicu.com.au/banking/savings-accounts/christmas-club)
- [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.pdf.aspx)
- [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S4.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: `NICUS4`
- Last updated by the provider: 24 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS4
- 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/NICUS4) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)