NORTHERN INLAND CREDIT UNION LTD.
Future Plus
Take control of your future with an at-call access account for your self-managed superannuation fund. A sub account is available for budgeting. Competitive interest on balances over $5,000.
Savings & transaction accountsBank updated 13 May 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 7
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 15.75% | — | — |
| Variable | — | — | up to $5,000 | 0.00% | — | paid every 1 mo |
| Variable | — | — | $10,000–$25,000 | 3.15% | — | paid every 1 mo |
| Variable | — | — | $100,000+ | 3.15% | — | paid every 1 mo |
| Variable | — | — | $25,000–$50,000 | 3.15% | — | paid every 1 mo |
| Variable | — | — | $5,000–$10,000 | 3.15% | — | paid every 1 mo |
| Variable | — | — | $50,000–$100,000 | 3.15% | — | paid every 1 mo |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ALERTS | Event | $0.25 | — | First 8 free |
| ATM_DECLINED_TRANSACTION | Event | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| BANK_CONFIRMATION | Event | $30 | — | — |
| DIRECT_DEBIT_DISHONOUR-REINSTATEMENT | Event | $12.50 | — | — |
| HONOURING_DIRECT_DEBIT | Event | $10 | — | — |
| OTHER_DOCUMENTS | Event | $50 | — | Per Hour |
| RETRIEVAL_OF_ELECTRONIC_DOCUMENTS | Event | $1.50 | — | Per Page |
| TRACE_FEE | Event | $28 | — | Refunded if Credit Union is at fault. |
| BANK@POST_TRANS | Transaction | $4 | — | First 5 free transactions per month for Members residing outside postcodes 2340, 2380 & 2390. |
| IN_BRANCH_TRANSACTION | Transaction | $2.50 | — | This Fee is Rebateable and is added to other Rebateable Fees before the fee is applied. |
| SWIFT_FEE_INBOUND | Transaction | $11 | — | Applicable when deposit/credit made to your account via the SWIFT system |
| SWIFT_FEE_OUTBOUND | Transaction | $25 | — | Applicable when a payment is sent from your account via the SWIFT system |
| VISA_ATM_WITHDRAWAL_OVERSEAS | Transaction | $2 | — | — |
§ 03 — Features
Instant paymentsPayIDDigital banking
- · Give your accountant access to your financial statements via online accounting software such as Banklink and Xero
- · Self managed super fund holders only
- · Deposits to this account are covered under the Australian Financial Claims Scheme up to $250,000 in total balances for each account holder at Northern Inland Credit Union
§ 04 — Eligibility & limits
- · Residency: AU
- · Available to businesses
§ 05 — Compare
§ 06 — Run the numbers
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Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 13 May 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.