NORTHERN INLAND CREDIT UNION LTD.
Easy Access
Provides a credit facility with a NICU term deposit or mortgage to secure the overdraft, with on call access to savings and a full range of payment services
OverdraftsBank updated 30 Dec 2025
At a glance
- Variable
- 0.01%
- Loan size
- $2,000 to no maximum
- Monthly fee
- $8
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 8.10% | — | — |
| VariableCalculated on minimum monthly balance of savings portion when not using overdraft component, paid annually. | — | — | — | 0.01% | — | paid every 1 yr |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ALERTS | Event | $0.25 | — | First 8 free |
| ATM_DECLINED_TRANSACTION | Event | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| BANK@POST_DECLINED_TRANS | Event | $4 | — | — |
| LOAN_MONTHLY_FEE | Periodic | $8 | Every 1 mo | — |
| BANK@POST_TRANS | Transaction | $4 | — | First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. |
| IN_BRANCH_TRANSACTION | Transaction | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| VISA_ATM_WITHDRAWAL_OVERSEAS | Transaction | $2 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingOverdraftApple PayGoogle Pay
- · 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
- · Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AU
- · Available to individuals
- · Amount $2,000 to no maximum
- · Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- · You can only have one Personal Overdraft account in your name.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 30 Dec 2025. 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.