Northern Inland Credit Union savings account and term deposit rates

Northern Inland Credit Union Limited · Credit union

Northern Inland Credit Union's best ongoing savings rate is 4.00% p.a. on Bonus Saver, in months when you meet its bonus conditions. Its best term deposit pays 4.90% p.a. for 12 months on $1,000 or more.

Verified 4 Nov 2026

Open an account at Northern Inland Credit Union Check what my savings earn

Email me when Northern Inland Credit Union changes a rate

Key facts

Top savings rate: 4.00% p.a.
Best term deposit: 4.90% p.a. for 12 months
Minimum term deposit: $1,000
Deposit protection: $250,000 per account holder

What would your money earn at Northern Inland Credit Union?

Type any amount and pick an account. Estimates are before tax and assume the rate stays the same.

Amount

Try

Account

Fixed for the term. From $1,000.

Interest over 12 months

$1,225

4.90% p.a., interest paid at maturity.

Northern Inland Credit Union 12-month term deposit$1,225

Bank Australia Term Deposit, 5.60% p.a.$1,400

That is $175 less than the best 12-month term deposit in Australia would pay on the same amount.

See what your own balance actually earned

Northern Inland Credit Union rates

Every rate is variable. Bonus rates show as the total you earn, with the base and bonus parts underneath.

Bonus Saver

Bonus savings account

Any age

4.00%p.a.

0.25% base + 3.75% bonus

To earn the bonus each month

Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month.

Ready Saver

Savings account, no monthly conditions

40 or older

3.35%p.a.

No monthly conditions

Everyday account for over 40s.

Internet Saver

Savings account, no monthly conditions

Any age

2.40%p.a.

No monthly conditions

Limited online access only for extra interest.

Super Saver

Savings for under 18s

Under 20

4.85%p.a.

No monthly conditions

Savings account for young savers aged up to 19 years.

Smart Start

Bonus savings account

18 to 29

4.00%p.a.

0.45% base + 3.55% bonus

To earn the bonus each month

Rate calculated if the account doesn't meet bonus rate requirements

Pension Plus

For retirees and pensioners

Any age

1.45%p.a.

No monthly conditions

Specifically designed for full pension card holders.

Term Deposit

Term Deposit rates, interest paid at maturity
Term	$1,000 to $4,999
3 months	3.25%
6 months	4.00%
9 months	4.25%
12 monthsBest rate	4.90%
2 years	4.10%

Interest paid at maturity. Terms longer than 12 months pay interest once a year. New term deposits start at $1,000.

Compare 12-month term deposits at every bank in Australia

How Northern Inland Credit Union compares with other banks in Australia

Every bank we track in Australia, ranked by its best ongoing savings rate, with its 12-month term deposit. Verified 4 Nov 2026.

Savings and 12-month term deposit rates at every bank in Australia, 4 Nov 2026
#	Bank	Top savings rate	12-month term deposit
1	RACQ Bank	6.01% p.a.Bonus Saver Account, monthly conditions	5.35% p.a.Term Deposit
2	MoveBank	5.75% p.a.Growth Saver, monthly conditions	5.35% p.a.Term Deposit
3	ING	5.75% p.a.Savings Maximiser, monthly conditions	5.30% p.a.Personal Term Deposits
4	Rabobank	5.65% p.a.PremiumSaver, monthly conditions	5.25% p.a.Online Term Deposit
5	Judo Bank	5.60% p.a.Personal Savings Account, monthly conditions	5.45% p.a.Personal Term Deposits
6	QBANK	5.60% p.a.Intro Saver	5.05% p.a.Term Deposit
7	Up	5.60% p.a.Up Saver, monthly conditions	Not published
8	People First Bank	5.55% p.a.Dream Fund, monthly conditions	5.20% p.a.Term Deposit
9	AMP Bank	5.50% p.a.AMP Bank GO Save	5.55% p.a.AMP Bank GO Term Deposit
10	BCU Bank	5.50% p.a.Boss Saver, monthly conditions	5.30% p.a.Term Deposit
11	P&N Bank	5.50% p.a.Savvy Saver Account, monthly conditions	5.30% p.a.Term Deposit
12	Great Southern Bank	5.50% p.a.Home Saver, monthly conditions	5.10% p.a.Platinum Plus Term Deposit
13	Bank of Melbourne	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
14	BankSA	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
15	St.George	5.40% p.a.Incentive Saver, monthly conditions	4.75% p.a.Term Deposit
16	Bank Australia	5.35% p.a.Bonus Saver, monthly conditions	5.60% p.a.Term Deposit
17	Suncorp Bank	5.35% p.a.Growth Saver Account, monthly conditions	5.40% p.a.Term Deposit
18	Australian Mutual Bank	5.35% p.a.Momentum Saver account, monthly conditions	5.35% p.a.Term Deposit
19	Firefighters Mutual Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
20	Health Professionals Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
21	Teachers Mutual Bank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
22	UniBank	5.35% p.a.Momentum Saver, monthly conditions	5.35% p.a.Term Deposit
23	ANZ	5.35% p.a.ANZ Plus Growth Saver, monthly conditions	5.30% p.a.ANZ Advance Notice Term Deposit
24	Bankwest	5.35% p.a.Hero Saver, monthly conditions	5.30% p.a.Bankwest Term Deposit
25	Police Credit Union	5.35% p.a.Focus Saver Account, monthly conditions	4.00% p.a.Term Deposit
26	ubank	5.35% p.a.Save account, monthly conditions	Not published
27	Bank First	5.30% p.a.First Home Bonus Saver Account, monthly conditions	5.50% p.a.Term Deposit
28	Hume Bank	5.30% p.a.Reward Saver, monthly conditions	5.40% p.a.Term Deposit
29	Bank of us	5.30% p.a.Save up, monthly conditions	5.30% p.a.Fixed Term Investment
30	Defence Bank	5.30% p.a.Max E Saver, monthly conditions	5.30% p.a.Term Deposit
31	Easy Street	5.30% p.a.Flex Saver	Not published
32	Virgin Money	5.30% p.a.Virgin Money Boost Saver, monthly conditions	Not published
33	Dnister Bank	5.25% p.a.Max Saver, monthly conditions	5.55% p.a.Term Deposit
34	Macquarie	5.25% p.a.Macquarie Savings Account	5.40% p.a.Macquarie Term Deposit
35	Bank of Sydney	5.25% p.a.BOS Saver	5.30% p.a.Term Deposit
36	CommBank	5.25% p.a.GoalSaver, monthly conditions	5.30% p.a.Standard Term Deposit
37	NAB	5.25% p.a.NAB Reward Saver, monthly conditions	5.30% p.a.NAB Term Deposit
38	Westpac	5.25% p.a.Westpac Life, monthly conditions	5.30% p.a.Term Deposit
39	MyState Bank	5.25% p.a.Bonus Saver, monthly conditions	5.25% p.a.Regular Term Deposit
40	Regional Australia Bank	5.25% p.a.Savings Booster Account, monthly conditions	5.25% p.a.Term Savings
41	bankWAW	5.20% p.a.WAW Bonus Saver, monthly conditions	5.35% p.a.Limited Offer Term Deposit
42	Southern Cross Credit Union	5.20% p.a.Star Saver, monthly conditions	5.30% p.a.Term Deposit
43	Australian Military Bank	5.10% p.a.Online Saver, monthly conditions	5.40% p.a.Teen Plus Term Deposit
44	BOQ	5.00% p.a.Simple Saver Account	5.40% p.a.myBOQ Term Deposit
45	NPNewcastle Permanent	5.00% p.a.Smart Saver Account, monthly conditions	5.40% p.a.Term Deposit
46	The Capricornian	5.00% p.a.Bonus Saver Account, monthly conditions	5.20% p.a.Term Deposit
47	Bendigo Bank	5.00% p.a.Bendigo Reward Saver, monthly conditions	4.90% p.a.Standard Term Deposit
48	Beyond Bank	4.90% p.a.Purple Bonus Saver, monthly conditions	4.90% p.a.Term Deposit
49	Woolworths Team Bank	4.90% p.a.Bonus Saver Account, monthly conditions	4.00% p.a.Term Deposit
50	Unity Bank	4.85% p.a.Bonus Saver Account, monthly conditions	5.50% p.a.Term Deposit
51	Goulburn Murray Credit Union	4.80% p.a.Advantage Saver, monthly conditions	5.15% p.a.Fixed Term Deposit
52	Border Bank	4.80% p.a.Bonus Saver Account, monthly conditions	5.00% p.a.Term Deposit
53	Police Bank	4.80% p.a.Bonus Saver Account, monthly conditions	5.00% p.a.Term Deposit
54	Summerland Bank	4.75% p.a.Bonus Saver, monthly conditions	5.25% p.a.Fixed Term Deposit
55	Community First Bank	4.60% p.a.Goal Saver, monthly conditions	5.60% p.a.Term Deposit Special
56	Gateway Bank	4.60% p.a.Goal Saver, monthly conditions	5.55% p.a.Term Deposit
57	ME Bank	4.60% p.a.SaveME, monthly conditions	5.50% p.a.ME Go Term Deposit
58	Bank Orange	4.60% p.a.Online Saver	5.35% p.a.Fixed Term Deposit Wealth Builder
59	Heartland Bank	4.55% p.a.MySavings account	5.55% p.a.Term Deposit
60	Queensland Country Bank	4.55% p.a.Bonus Saver, monthly conditions	5.30% p.a.Fixed Term Deposit
61	BNK Bank	4.50% p.a.Cash Management Account	5.40% p.a.Stow It Term Deposit Account
62	Alex Bank	4.50% p.a.Savings	5.30% p.a.Term Deposit - Direct
63	Greater Bank	4.25% p.a.Bonus Saver	5.40% p.a.Term Investment
64	The Mutual Bank	4.25% p.a.Bonus Saver, monthly conditions	5.30% p.a.Term Deposit
65	HSBC	4.25% p.a.Bonus Savings Account, monthly conditions	2.90% p.a.Term Deposit
66	Laboratories Credit Union	4.01% p.a.Savvy Saver, monthly conditions	4.60% p.a.Fixed Term Deposit
67	Northern Inland Credit Union	4.00% p.a.Bonus Saver, monthly conditions	4.90% p.a.Term Deposit
68	Credit Union SA	3.75% p.a.Bonus Savings Account, monthly conditions	5.30% p.a.Term Deposit
69	Auswide Bank	3.56% p.a.Bonus Plus Saver, monthly conditions	5.25% p.a.National Seniors Term Deposit
70	First Option Bank	3.55% p.a.Save Account	5.50% p.a.Fixed Term Deposit
71	BOQ Specialist	3.50% p.a.Private Access Account	5.35% p.a.Term Deposit
72	Fire Service Credit Union	3.50% p.a.High Interest	4.50% p.a.Fixed Term Deposit
73	IMB Bank	3.45% p.a.Reward Saver Account, monthly conditions	5.30% p.a.Term Deposit
74	Horizon Bank	3.25% p.a.Horizon Direct	5.10% p.a.Term Deposit
75	Darling Downs Bank	3.15% p.a.Cash Manager Online	5.40% p.a.Fixed Term Deposits
76	Cairns Bank	3.00% p.a.Online Saver account	5.25% p.a.Term Deposit
77	Coastline Bank	3.00% p.a.Coastline Savings Account	5.05% p.a.Gold Member Fixed Term Deposit
78	Arab Bank Australia	3.00% p.a.Personal Online Savings Account	3.40% p.a.Fixed Term Deposit - Personal
79	Revolut	3.00% p.a.Revolut Instant Access Savings	Not published
80	Geelong Bank	2.96% p.a.iSaver, monthly conditions	5.40% p.a.Term Deposit
81	Transport Mutual Credit Union	2.25% p.a.Premium Savers Account	3.25% p.a.Term Deposit
82	The Mac	2.00% p.a.eSaver	5.20% p.a.Mini Mac Term Deposit
83	SWSbank	2.00% p.a.Online Saver	5.00% p.a.Term Deposit
84	Broken Hill Bank	1.70% p.a.eCall Savings Account	5.00% p.a.Fixed Term Deposit

Who can open them, and how safe is the money?

Who can open each account

Bonus Saver: Any age
Ready Saver: 40 or older
Internet Saver: Any age
Super Saver: Under 20
Smart Start: 18 to 29
Pension Plus: Any age
Term Deposit: Any age, from $1,000

Is my money protected?

The Australian Government's Financial Claims Scheme covers deposits at Northern Inland Credit Union up to $250,000 per account holder.

Questions about Northern Inland Credit Union savings and term deposits

What is Northern Inland Credit Union's highest savings rate?

Bonus Saver, at 4.00% p.a. on 4 Nov 2026: a 0.25% p.a. base rate plus a 3.75% p.a. bonus. Variable Base rate plus Bonus Interest rate is paid if you make at least one deposit of at least $1.00 and no withdrawals each month. A month that misses the conditions earns 0.25% p.a.

What is the Northern Inland Credit Union 12-month term deposit rate?

4.90% p.a. on new deposits of $1,000 or more, with interest paid at maturity. Taking the interest monthly lowers it to 4.65% p.a.

Which Northern Inland Credit Union term deposit term pays the most?

12 months, at 4.90% p.a. with interest paid at maturity, on 4 Nov 2026.

Is my money safe with Northern Inland Credit Union?

Deposits at Northern Inland Credit Union are covered by the Australian Government's Financial Claims Scheme up to $250,000 per account holder.

Where do these rates come from?

From the product details Northern Inland Credit Union publishes under the Consumer Data Right, which Woodo checks every day. We last verified them on 4 Nov 2026. Northern Inland Credit Union does not pay Woodo, and no payment can change the order of any list.

Community

Northern Inland Credit Union savers will soon be able to report whether their bonus rate paid out each month, and ask other savers questions.

Other banks in Australia

RACQ BankSavings 6.01% p.a.12-month 5.35% p.a.
INGSavings 5.75% p.a.12-month 5.30% p.a.
MoveBankSavings 5.75% p.a.12-month 5.35% p.a.
RabobankSavings 5.65% p.a.12-month 5.25% p.a.
UpSavings 5.60% p.a.12-month Not published
Judo BankSavings 5.60% p.a.12-month 5.45% p.a.

Compare every bank in Australia

Guides for savers in Australia

All articles

Credit cardsAustraliaHow to pick a travel credit card in AustraliaThe Qantas Money Everyday Credit Card is our top travel pick for most Australians thanks to its low A$99 annual fee and solid points earn. Here's how it compares with five other cards, plus how to choose for your own spending.Woodo Editorial · 18 Oct 20269 min

Personal financeAustraliaFinance Tracking App for Couples in Australia: The Real ChallengesManaging shared finances in Australia has never been more demanding, rising rents, split accounts across multiple banks, and the constant question of who paid what. This guide walks through the real challenges couples face and how a modern finance tracking app for couples in Australia can finally bring both partners onto the same page.Woodo Editorial · 16 Jun 20267 min

Personal financeAustraliaWhat the Typical Expense Tracker Gets Wrong About Australian HouseholdsFinding a reliable expense tracker for households in Australia means more than logging individual transactions, it means handling shared bills, multiple earners, and accounts scattered across different banks. Most tools weren't built for that reality, and households pay the price in confusion, missed costs, and money arguments.Woodo Editorial · 11 Jun 20266 min

Not sure Northern Inland Credit Union is paying you enough?

Upload a bank statement and Woodo reads the interest Northern Inland Credit Union actually paid you, then ranks every savings account in Australia against your own balance. No bank login needed.

Upload a statement