Northern Inland Credit Union Ltd.Ready Saver
Everyday account for over 40s. Enjoy a competitive tiered interest rate on an everyday account for payroll and general access. Card and digital payment options. No monthly account keeping fee.
At a glance
- Base rate
- 3.35%
Rates
Every rate Northern Inland Credit Union Ltd. publishes for this account, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 15.75% | - | - |
| Variable | - | - | up to $50,000 | 3.35% | - | paid every 6 mo |
| Variable | - | - | $100,000+ | 3.90% | - | paid every 6 mo |
| Variable | - | - | $50,000–$100,000 | 3.55% | - | paid every 6 mo |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Nov 2026 | Variable, up to $50,000 | 3.10% | 3.35% | up 0.25 |
| 3 Nov 2026 | Variable, $100,000+ | 3.65% | 3.90% | up 0.25 |
| 3 Nov 2026 | Variable, $50,000–$100,000 | 3.30% | 3.55% | up 0.25 |
Each change is logged the night it appears in the rates Northern Inland Credit Union Limited publishes. See how every lender answered the RBA on the rate tracker.
Fees
13 fees published, grouped by when they're charged.
When you make a transaction5
- 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 - SWIFT_FEE_INBOUND
Applicable when deposit/credit made to your account via the SWIFT system
$11 - SWIFT_FEE_OUTBOUND
Applicable when a payment is sent from your account via the SWIFT system
$25 - VISA_ATM_WITHDRAWAL_OVERSEAS$2
When particular things happen8
- 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_CONFIRMATION$30
- DIRECT_DEBIT_DISHONOUR-REINSTATEMENT$12.50
- HONOURING_DIRECT_DEBIT$10
- OTHER_DOCUMENTS
Per Hour
$50 - RETRIEVAL_OF_ELECTRONIC_DOCUMENTS
Per Page
$1.50 - TRACE_FEE
Refunded if Credit Union is at fault.
$28
Features
- Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
- 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.
Eligibility and limits
- Minimum age 40
- Residency: AU
Compare it with others
Put this product through a calculator
Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 2 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.