Future Plus
Take control of your future with an at-call access account for your self-managed superannuation fund. A sub account is available for budgeting. Competitive interest on balances over $5,000.
- Base rate
- 3.15%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 15.75% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | Future Plus_Tier_1 | monthly |
| Variable | 3.15% | Future Plus_Tier_2 | monthly |
| Variable | 3.15% | Future Plus_Tier_3 | monthly |
| Variable | 3.15% | Future Plus_Tier_4 | monthly |
| Variable | 3.15% | Future Plus_Tier_5 | monthly |
| Variable | 3.15% | Future Plus_Tier_6 | monthly |
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 |
| BANK@POST_TRANS Capped at $0.00 · First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. | Transaction | $4.00 |
| VISA_ATM_WITHDRAWAL_OVERSEAS Capped at $0.00 | Transaction | $2.00 |
| 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
- 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.
- PayID
- Receive fast real-time payments using your mobile number, email address or ABN instead of your BSB and account number
- Real-time payments (NPP)
- 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
- Self managed super fund holders only
- Deposits to this account are covered under the Australian Financial Claims Scheme up to $250,000 in total balances for each account holder at Northern Inland Credit Union
Eligibility
- Business customersTrust deeds must be sighted and accounts are titled 'Trustee Name as trustee' for The Trust Name
- 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 13 May 2026 · Product ID NICUS80 · View on CDR.gov.au