The Finance Algorithm
Northern Inland Credit Union Ltd. logoNorthern Inland Credit Union Ltd.

Value Package Offset Account

Reduce your home loan interest charged, by linking a Value Package Offset account to your eligible mortgage. It 100% offsets against your eligible loan balance.

Savings & transaction accountsBank updated 8 Oct 2025
Apply at Northern Inland Credit Union Limited ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.00%

Rates

Every rate Northern Inland Credit Union Ltd. publishes for this account, 2 in all.

TypeApplies toTermBandRateComparisonConditions
Variable---15.75%--
Variable---0.00%-paid every 1 mo

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

Offset accountInstant paymentsPayIDDigital bankingApple PayGoogle Pay
  • 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

  • Residency: AU
  • You must hold an eligible home loan product to have a Smart Offset account

Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 8 Oct 2025. 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.