NORTHERN INLAND CREDIT UNION LTD.
Smart Start
The ideal savings account for young workers. Enjoy a base interest rate and a bonus interest rate when you deposit $1,500/month. Package with the Smart Start Access account for everyday use.
Savings & transaction accountsBank updated 13 Apr 2026
At a glance
- Base rate
- 0.45%
- Bonus rate
- 3.30%
- Up to
- 3.75%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusRate calculated if the account doesn't meet bonus rate requirements | — | — | — | 3.30% | — | paid every 1 mo |
| Variable | — | — | — | 15.75% | — | — |
| VariableRate calculated if the account doesn't meet bonus rate requirements | — | — | — | 0.45% | — | paid every 1 mo |
§ 03 — Features
Digital banking
- · View your statements via Online Banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Maximum age 29
- · Residency: AU
- · Employment: Employed
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 13 Apr 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.