NORTHERN INLAND CREDIT UNION LTD.
Bonus Saver
The perfect account for savers looking for a competitive tiered interest rate. Enjoy bonus interest if no withdrawals are made and a minimum $1 deposit/month. No monthly account keeping fees.
Savings & transaction accountsBank updated 20 July 2026
At a glance
- Base rate
- 0.25%
- Bonus rate
- 3.90%
- Up to
- 4.15%
§ 01 — Rates · 9
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | up to $20,000 | 3.50% | — | paid every 1 mo |
| BonusVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $100,000–$250,000 | 3.65% | — | paid every 1 mo |
| BonusVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $20,000–$100,000 | 3.55% | — | paid every 1 mo |
| BonusVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $250,000+ | 3.90% | — | paid every 1 mo |
| Variable | — | — | — | 15.75% | — | — |
| VariableVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | up to $20,000 | 0.25% | — | paid every 1 mo |
| VariableVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $100,000–$250,000 | 0.25% | — | paid every 1 mo |
| VariableVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $20,000–$100,000 | 0.25% | — | paid every 1 mo |
| VariableVariable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. | — | — | $250,000+ | 0.25% | — | paid every 1 mo |
§ 02 — Fees · 2
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| STAFF_TRANSFER | Event | $10 | — | — |
| IN_BRANCH_TRANSACTION | Transaction | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
§ 03 — Features
Instant paymentsPayIDDigital banking
§ 04 — Eligibility & limits
- · Residency: AU
§ 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 20 July 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.