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.
At a glance
- Up to
- 4.00%
- Base rate
- 0.45%
- Bonus rate
- 3.55%
Rates
Every rate Northern Inland Credit Union Ltd. publishes for this account, 3 in all.
How the rate is made up
4.00%in a month every condition is met
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| BonusRate calculated if the account doesn't meet bonus rate requirements | - | - | - | 3.55% | - | paid every 1 mo |
| Variable | - | - | - | 15.75% | - | - |
| VariableRate calculated if the account doesn't meet bonus rate requirements | - | - | - | 0.45% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 3 Nov 2026 | Bonus | 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.
Features
- View your statements via Online Banking
Eligibility and limits
- Minimum age 18
- Maximum age 29
- Residency: AU
- Employment: Employed
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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.