Christmas Club
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.
- Base rate
- 0.05%
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 — AUIndividuals must be citizens or permanent residents of Australia.
- Individuals only
More Information
Published by Northern Inland Credit Union Limited under the Consumer Data Right · Last updated 24 April 2026 · Product ID NICUS4 · View on CDR.gov.au · View Source Data (JSON)