--- title: "Future Plus — 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/NICUS80 source: "CDR Compare" language: en-AU last_updated: 2026-05-13T15:34:32.000+10:00 --- # Future Plus — 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.** 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. ## At a glance - **Base rate:** 3.15% ## 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% | 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 | 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 - **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** - **Digital banking** (Secure banking 24/7 from your computer or mobile with Online Banking) ## Eligibility - **Business customers** (Trust deeds must be sighted and accounts are titled 'Trustee Name as trustee' for The Trust Name) - **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/investments-term-deposits/future-plus) - [Terms & conditions](https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.pdf.aspx) - [Eligibility](https://www.nicu.com.au/ArticleDocuments/305/pfs_S80.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: `NICUS80` - Last updated by the provider: 13 May 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUS80 - 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/NICUS80) — 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)