---
title: "Personal Overdraft — Northern Inland Credit Union Limited"
description: "Overdrafts 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/NICUS51
source: "CDR Compare"
language: en-AU
last_updated: 2025-10-01T16:17:17.000+10:00
---

# Personal Overdraft — Northern Inland Credit Union Limited

> Overdrafts 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.

**Overdrafts · NORTHERN INLAND CREDIT UNION LTD.**

Provides an unsecured credit facility to manage your cash flow, with on call access to savings and a full range of payment services

## At a glance

- **From:** 15.75% (Variable)

## 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 (Calculated on minimum monthly balance of savings portion when not using overdraft component, paid annually.) | 0.01% | — | yearly |

## 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 |
| BANK@POST_DECLINED_TRANS — Capped at $0.00 | Event | $4.00 |
| 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 |

## Features

- **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.**
- **No minimum repayment is required until the limit of the overdraft is exceeded. At this time, sufficient funds are to be deposited to the account to bring the balance below the agreed limit**
- **Card access** — Yes (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** (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)
- **Give your accountant access to your financial statements via online accounting software such as Banklink and Xero**
- **Security not required**

## Eligibility

- **Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.**
- **Residency status** — AU (Individuals must be citizens or permanent residents of Australia.)
- **Individuals only** (Available for personal borrowers only)
- **You can only have one Personal Overdraft account in your name.**
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $2,000.00
- **Maximum limit** — $25,000.00

## More information from Northern Inland Credit Union Limited

- [Overview](https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.pdf.aspx)
- [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.pdf.aspx)
- [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S51.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: `NICUS51`
- Last updated by the provider: 1 October 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS51
- 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/NICUS51) — 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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