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Northern Inland Credit Union Limited

Every product Northern Inland Credit Union Limited publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 3 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 235022, held by Northern Inland Credit Union Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetNorthern Inland Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

47 products in 6 categories

  1. Term deposits15
  2. Home loans13
  3. Savings & transaction accounts11
  4. Personal loans4
  5. Overdrafts3
  6. Credit cards1

Northern Inland Credit Union Limited's rates today

Northern Inland Credit Union Limited's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Northern Inland Credit Union Limited sits among every institution's best

Northern Inland Credit Union Ltd. 5.94%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateNorthern Inland Credit Union LimitedBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR5.94%Value Home Loan - Owner Occupied5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.59%Smart Home Loan Fixed 36M6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met4.40%Bonus Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term4.90%12 MONTHS Term Deposit with interest paid at maturity/annually5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans12.49%Personal Loan Unsecured5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers14.00%Classic Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions

Northern Inland Credit Union Limited home loan repayments

Repayments at Northern Inland Credit Union Limited's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariableValue Home Loan - Owner Occupied
    5.94%5.98% comparison
    $3,574a month

    $686,709 in interest, $1,286,709 repaid in all

  2. 1-year fixedValue Home Loan - Fixed 12M
    5.99%5.87% comparison
    $3,593a month

    $693,641 in interest, $1,293,641 repaid in all

  3. 2-year fixedSmart Home Loan Fixed 24M
    6.39%7.39% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  4. 3-year fixedSmart Home Loan Fixed 36M
    6.59%7.35% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

  5. Investor variableValue Home Loan - Investment
    5.94%5.98% comparison
    $3,574a month

    $686,709 in interest, $1,286,709 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Northern Inland Credit Union Limited's own calculator: confirm the rate with Northern Inland Credit Union Limited before you apply.

Northern Inland Credit Union Limited home loan rates

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13 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 5.94%, with a comparison rate of 5.98%, on its Value Home Loan - Owner Occupied: 2nd lowest of 104 lenders, level with 3 others.

Northern Inland Credit Union Limited savings and transaction account rates

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11 products

Its highest savings rate is up to 4.40% (0.25% base plus a 4.15% bonus when its conditions are met), on its Bonus Saver: 46th highest of 84 institutions.

Northern Inland Credit Union Limited term deposit rates

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15 products

Its highest 12-month term deposit rate is 4.90%, on its 12 MONTHS Term Deposit with interest paid at maturity/annually: 61st highest of 65 institutions.

RateNorthern Inland Credit Union LimitedBest anywhereTypical institution
3-month term depositBest rate for 3 months3.00%3 MONTHS Term Deposit with interest paid monthly5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months4.00%6 MONTHS Term Deposit with interest paid at maturity/annually5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months4.90%12 MONTHS Term Deposit with interest paid at maturity/annually5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.10%24 MONTHS Term Deposit with interest paid at maturity/annually5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Northern Inland Credit Union Limited credit card rates

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1 product

Its lowest credit card purchase rate is 14.00%, on its Classic Credit Card: 41st lowest of 51 card issuers.

Northern Inland Credit Union Limited personal loan rates

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4 products

Its lowest advertised personal loan rate is 7.74% fixed, with a comparison rate of 8.30%, on its Brand New Vehicle Loan: 47th lowest of 69 lenders.

Northern Inland Credit Union Limited overdraft rates

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3 products

Rate changes since 18 Sept 2026How every lender responded

Has Northern Inland Credit Union passed on the RBA's November 2026 rate rise?

Northern Inland Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Tue 3 Nov

  2. Thu 8 Oct

Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 3 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.