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.
At a glance
- Up to
- 4.40%
- Base rate
- 0.25%
- Bonus rate
- 4.15%
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
What a bonus account pays in a month its conditions aren't met. One dot per institution, at its highest base rate on a bonus savings account anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 4.40% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 42nd highest of 51 |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.25% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 15th highest of 43, level with one other |
Rates
Every rate Northern Inland Credit Union Ltd. publishes for this account, 9 in all.
How the rate is made up
4.40%in a month every condition is met
| 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 | 3.75% | - | 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 | 3.90% | - | 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 | 3.80% | - | 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+ | 4.15% | - | 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 |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Nov 2026 | Bonus, up to $20,000 | 3.50% | 3.75% | up 0.25 |
| 3 Nov 2026 | Bonus, $100,000–$250,000 | 3.65% | 3.90% | up 0.25 |
| 3 Nov 2026 | Bonus, $20,000–$100,000 | 3.55% | 3.80% | up 0.25 |
| 3 Nov 2026 | Bonus, $250,000+ | 3.90% | 4.15% | 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
2 fees published, grouped by when they're charged.
When you make a transaction1
- IN_BRANCH_TRANSACTION
This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied.
$2.50
When particular things happen1
- STAFF_TRANSFER$10
Features
Eligibility and limits
- Residency: AU
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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.