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

Christmas Club

Budget for the festive season with an account designed for Christmas savings. Limited withdrawal and transfer period from 1 Nov to 31 Jan to help budgeting. Higher interest than at-call accounts.

Savings & transaction accountsBank updated 24 Apr 2026
Apply at Northern Inland Credit Union Limited ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.05%

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.

This account: 0.05%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
No bonus conditionsPaid whatever you deposit or spend0.05%4.80%MoveBank's Online Saver2.25%of 61 institutions56th highest of 61

Rates

The one rate Northern Inland Credit Union Ltd. publishes for this account.

TypeApplies toTermBandRateComparisonConditions
VariableInterest is calculated on the Minimum monthly balance---0.05%-paid every 1 yr

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

  • ALERTS

    First 8 free

    $0.25

Features

Instant paymentsPayIDDigital banking

Eligibility and limits

  • Residency: AU
  • Available to individuals

Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 24 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.