Northern Inland Credit Union term deposit rates
5 terms published on 10 Oct 2026, best 4.90% for 12 months, from Northern Inland Credit Union’s own Consumer Data Right feed. Registered as Northern Inland Credit Union Limited.
Today’s rates >_Interest on a deposit →Northern Inland Credit Union website →
Northern Inland Credit Union at a glance
Best rate4.90%12 months · 12 MONTHS Term Deposit with interest paid at maturity/annually
Market rankjoint #70of 77 banks by best rate · joint #66 of 75 at 1yr
6mo vs market−1.00median 5.00% · joint #56 of 73
1yr vs market−0.35median 5.25% · joint #66 of 75
Last 30 days0no rate changes read since 10 Sep 2026
Today’s rates5 terms · read 10 Oct 2026
| Term | Rate | Rank | vs median | vs best | Last change | This rate | Min. deposit | Product |
|---|---|---|---|---|---|---|---|---|
| 3mo | 3.25% | joint #60 of 68 | −1.30 | −2.00 | — | same on every day read since 26 Aug 2026 | $1,000 | 3 MONTHS Term Deposit with interest paid at maturity/annually |
| 6mo | 4.00% | joint #56 of 73 | −1.00 | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | 6 MONTHS Term Deposit with interest paid at maturity/annually |
| 9mo | 4.25% | #42 of 60 | −0.55 | −1.15 | — | same on every day read since 26 Aug 2026 | $1,000 | 9 MONTHS Term Deposit with interest paid at maturity/annually |
| 1yr | 4.90% | joint #66 of 75 | −0.35 | −0.70 | — | same on every day read since 26 Aug 2026 | $1,000 | 12 MONTHS Term Deposit with interest paid at maturity/annually |
| 2yr | 4.10% | #53 of 67 | −0.60 | −1.45 | — | same on every day read since 26 Aug 2026 | $1,000 | 24 MONTHS Term Deposit with interest paid at maturity/annually |
“Rank”, “vs median” and “vs best” compare Northern Inland Credit Union with every bank that publishes the same term today. “This rate” is the first day our daily read showed the current rate — a rate that changed between two reads is dated to the first read that showed it.
What Northern Inland Credit Union publishes about its products15 term deposit products · as published 10 Oct 2026
| Product | Interest paid | Min. deposit | Max. deposit | Fixed-rate terms | Links |
|---|---|---|---|---|---|
| 12 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 12 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $1,000 | $4,999.99 | 1 | product page · terms · fees · eligibility |
| 3 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $1,000 | $99,999.99 | 1 | product page · terms · fees · eligibility |
| 6 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 6 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $1,000 | $4,999.99 | 1 | product page · terms · fees · eligibility |
| 9 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 9 MONTHS Term Deposit with interest paid at maturity/annually | at maturity | $1,000 | $4,999.99 | 1 | product page · terms · fees · eligibility |
| 3 MONTHS Term Deposit with interest paid monthly | monthly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 24 MONTHS Term Deposit with interest paid monthly | monthly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 6 MONTHS Term Deposit with interest paid monthly | monthly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 9 MONTHS Term Deposit with interest paid monthly | monthly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 24 MONTHS Term Deposit with interest paid at maturity/annually | yearly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
| 24 MONTHS Term Deposit with interest paid at maturity/annually | yearly | $1,000 | $4,999.99 | 1 | product page · terms · fees · eligibility |
| 12 MONTHS Term Deposit with interest paid monthly | monthly | $5,000 | $250,000 | 1 | product page · terms · fees · eligibility |
12 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great returns on term deposits from $5000 on 3 to 24 months terms.
- Interest calculated
- daily
12 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.; maximum age: 19 — Maximum age 19 years
- Conditions
- min balance 1000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually
- Interest calculated
- daily
3 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.; maximum age: 19 — Maximum age 19 years
- Conditions
- min balance 1000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually
- Interest calculated
- daily
6 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great returns on our term deposits from $5000 with interest paid at maturity/annually.
- Interest calculated
- daily
6 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.; maximum age: 19 — Maximum age 19 years
- Conditions
- min balance 1000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; other — Receive notifications of maturity via SMS or email
- The bank’s description
- For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually
- Interest calculated
- daily
9 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; other — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
9 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.; maximum age: 19 — Maximum age 19 years
- Conditions
- min balance 1000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
3 MONTHS Term Deposit with interest paid monthly: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
24 MONTHS Term Deposit with interest paid monthly: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
6 MONTHS Term Deposit with interest paid monthly: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; other — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
9 MONTHS Term Deposit with interest paid monthly: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
24 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact Northern Inland Credit Union for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
24 MONTHS Term Deposit with interest paid at maturity/annually: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.; maximum age: 19 — Maximum age 19 years
- Conditions
- min balance 1000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact Northern Inland Credit Union for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually
- Interest calculated
- daily
12 MONTHS Term Deposit with interest paid monthly: eligibility, conditions and features
- Eligibility
- residency: AU — Individuals must be citizens or permanent residents of Australia.
- Conditions
- min balance 5000.00; max balance 249999.99 — For amounts greater than $249,999.99 please contact Northern Inland Credit Union for the latest interest rates
- Features
- other — 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; other — If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion; notifications: Maturity Reminders — We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions.; notifications: Alerts — Receive notifications of maturity via SMS or email
- The bank’s description
- Take advantage of great fixed returns on term deposits from $5000 on 3 to 24 months terms. Youth deposits from $1000 (under 20 years).
- Interest calculated
- daily
Also published, not ranked here: 3 MONTHS Term Deposit with interest paid at maturity/annually other (product page).
Every line is the bank’s own statement in its feed, read that day — nothing is inferred. Early-withdrawal terms appear under conditions or features when a bank states them.
Rate historyevery sweep day since 26 Aug 2026 · 46 days · 5 terms
3mo 3.25% today
26 Aug 202610 Oct 2026
6mo 4.00% today
26 Aug 202610 Oct 2026
9mo 4.25% today
26 Aug 202610 Oct 2026
1yr 4.90% today
26 Aug 202610 Oct 2026
2yr 4.10% today
26 Aug 202610 Oct 2026
Each line is the best retail rate Northern Inland Credit Union published for that term on each day we read its feed. A break in the line is a day we read no rate for that term — the feed could not be read, or the bank did not publish that term that day — never a rate carried forward.
Where Northern Inland Credit Union sitsagainst the 77 banks ranked today
1yr: 65 banks ahead
- Community First Bank 5.60%
- Dnister Bank 5.55%
- Heartland Bank 5.55%
- Unity Bank 5.50%
- Alex Bank 5.50%
- Bank Australia 5.50%
- and 59 more on the leaderboard
6mo: 55 banks ahead
- Heartland Bank 5.45%
- RACQ Bank 5.45%
- Unity Bank 5.35%
- Dnister Bank 5.30%
- Bank Australia 5.30%
- Bank First 5.30%
- and 49 more on the leaderboard
Customer-owned banks52 banks · top 10 by best rate
| Bank | Best | Term | 6 m | 12 m | Market rank |
|---|---|---|---|---|---|
 Community First Bank | 5.60% | 1yr | 5.10% | 5.60% | #1 |
 Dnister Bank | 5.55% | 1yr | 5.30% | 5.55% | #2 |
| Unity Bank | 5.55% | 2yr | 5.35% | 5.50% | #2 |
 Bank Australia | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Bank First | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Qudos Bank | 5.50% | 1yr | 5.30% | 5.50% | #5 |
 Great Southern Bank | 5.45% | 1yr | 4.55% | 5.45% | #11 |
 People First Bank | 5.45% | 7mo | 5.00% | 5.20% | #11 |
 Police Credit Union | 5.45% | 11mo | 5.00% | 5.25% | #11 |
 QBANK | 5.45% | 1yr | 5.30% | 5.45% | #11 |
| Northern Inland Credit Union | 4.90% | 1yr | 4.00% | 4.90% | #70 |
Timeline0 rate changes since 26 Aug 2026 · ▲0 ▼0 · 1 event
| Date | Term | From → to | Δ |
|---|---|---|---|
| 30 Sep 2026 | RBA | RBA cash rate 4.60% — up 0.25 pointsReserve Bank decision effective 2026-09-30: cash rate target 4.60%, a rise of 0.25 percentage points. | |
Questions about these rates
What is Northern Inland Credit Union’s best term deposit rate today?
On 10 Oct 2026, the best retail term deposit rate Northern Inland Credit Union publishes in its Consumer Data Right feed is 4.90% for 12 months (12 MONTHS Term Deposit with interest paid at maturity/annually). That is joint #70 of the 77 Australian banks ranked by best rate today.
What is Northern Inland Credit Union’s 12-month term deposit rate?
4.90% as read on 10 Oct 2026, 0.35 points below the market median of 5.25%, and joint #66 of the 75 banks publishing a 12-month rate. The market-best 12-month rate today is 5.60%.
What is the minimum deposit at Northern Inland Credit Union?
The lowest minimum Northern Inland Credit Union states in its feed is $1,000 (3 MONTHS Term Deposit with interest paid at maturity/annually, 3-month). Check the product disclosure statement for balance tiers.
When did Northern Inland Credit Union last change a term deposit rate?
We have not read a change to any of Northern Inland Credit Union’s published retail term deposit rates since we first read its feed on 26 Aug 2026. Days on which we read no rate are not counted as unchanged.
Are deposits with Northern Inland Credit Union guaranteed?
Northern Inland Credit Union publishes its products under the Consumer Data Right as an Australian data holder. Under the Financial Claims Scheme, administered by APRA, protected Australian-dollar deposit accounts at an Australian-incorporated authorised deposit-taking institution (ADI) are covered up to $250,000 per account holder per ADI. Several brands can share one ADI licence, in which case the cap covers them together, so confirm which licence Northern Inland Credit Union operates under before relying on the guarantee. Scheme facts checked against apra.gov.au (Financial Claims Scheme) on 15 Sep 2026 — the link is under “About Northern Inland Credit Union” below; rates are as read on 10 Oct 2026.
About Northern Inland Credit Union
- Registered as
- Northern Inland Credit Union Limited
- Type
- Customer-owned bank (mutual)
- Website
- www.nicu.com.au
- Consumer Data Right feed
- https://secure.nicu.com.au/OpenBanking
- Deposit guarantee
- Financial Claims Scheme, up to $250,000 per account holder per ADI — scheme details and covered institutions at APRA (checked 15 Sep 2026)
The rates on this page are the retail term deposit rates Northern Inland Credit Union publishes in its own Consumer Data Right product feed, read once a day. Business, SMSF and staff-only products are left out. A product the bank publishes as “tailored” (pricing may be negotiated) is included only when the bank also states it is open to individuals, and is marked as tailored. A day on which we read no rate is a gap on this page — never an estimate.
Facts about the institution reviewed 15 Sep 2026. Rates read 10 Oct 2026.
Savings accountshighinterestsavingsaccounts.org
Northern Inland Credit Union has no savings account on today’s board at highinterestsavingsaccounts.org, our sister site for at-call savings rates.
Please note: the savings figures on this page are estimates only and may not reflect the return you actually receive. Actual returns vary with tax, fees, the interest payment frequency and any change the bank makes to a rate before you open the account. Rates are the bank’s own published Consumer Data Right figures and may differ for particular balance tiers or online-only products. Always read the product disclosure statement, confirm the rate with the bank, and consider your own circumstances. Nothing here is financial advice or a recommendation. This site is published by Nutshell Media Pty Ltd, which is not affiliated with any bank, credit union or building society.