Northern Inland Credit Union Ltd.Personal Overdraft
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
- Variable
- 0.01%
- Loan size
- $2,000 to $25,000
Rates
Every rate Northern Inland Credit Union Ltd. publishes for this overdraft, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 15.75% | - | - |
| VariableCalculated on minimum monthly balance of savings portion when not using overdraft component, paid annually. | - | - | - | 0.01% | - | paid every 1 yr |
Fees
6 fees published, grouped by when they're charged.
When you make a transaction3
- BANK@POST_TRANS
First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390.
$4 - IN_BRANCH_TRANSACTION
This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.
$2.50 - VISA_ATM_WITHDRAWAL_OVERSEAS$2
When particular things happen3
- ALERTS
First 8 free
$0.25 - ATM_DECLINED_TRANSACTION
This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.
$2.50 - BANK@POST_DECLINED_TRANS$4
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
- Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
- Security not required
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to individuals
- Amount $2,000 to $25,000
- 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.
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Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 1 Oct 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.