Disclosures

• Customer Owned Banking Code of Practice (PDF 1.9MB)
• Constitution of Northern Inland Credit Union Limited (PDF 360.7KB)
• Consumer Data Right Policy (PDF 87.4KB)
• Credit Guide (PDF 111.4KB)
• Financial Services Guide (PDF 96.5KB)
• Social Media Terms Of Use (PDF 24.6KB)
• Things you should know about Guarantees (PDF 109.2KB)
• Things you should know about Proposed Credit Contract (PDF 134.6KB)
• Visa Credit Card conditions of use (PDF 284.7KB)

Accounts

• Bonus Saver Account (S12) (PDF 232.4KB)
• Budget Saver Account (S3) (PDF 233.5KB)
• Cash Management Account (S6) (PDF 231.6KB)
• Christmas Club Account (S4) (PDF 231.3KB)
• Commercial Offset Account (S45) (PDF 235.8KB)
• Easy Access Account (S50) (PDF 234.6KB) 
• Everyday Account (S1) & Pension Plus Account (S10) (PDF 233.3KB)
• Future Plus Account (S80) (PDF 233.3KB)
• Internet Saver Account (S99) (PDF 231.3KB)
• Personal Overdraft (S51) (PDF 234.5KB)
• Ready Saver Account (S11) (PDF 232.6KB)
• Project Saver Account (S2) (PDF 233.8KB)
• Secured Commercial Overdraft Account (S30) (PDF 234.9KB)
• Smart Offset & Value Package Offset Accounts S28-S33 (PDF 238KB)
• Smart Start Account (S15) (PDF 232.3KB)
• Super Saver Account (S7) (PDF 230.4KB)
•  Teenage Account (S8) (PDF 231KB)

Other Products and Services

• Apple Pay (PDF 91KB)
• BPAY (PDF 301KB)
• Bank And Corporate Cheques (PDF 282.9KB)
• Google Pay (PDF 86.6KB)
• Online Banking (PDF 121.5KB)
• Osko Fast Payments (PDF 107.2KB)
• SmartPay App (PDF 97.9KB)
• Term Deposit (PDF 113.9KB)
• Visa Debit Card (PDF 173.7KB)

Savings Accounts

• Bonus Saver Account (PDF 84.7KB)
• Christmas Club Account (PDF 84.6KB)
• Internet Saver Account (PDF 85KB)
• Smart Start Account (PDF 84.7KB)
• Super Saver Account (PDF 84.3KB)

Home Loans

• Commercial Loan Fixed (1-5 years) (PDF 91.7KB)
• Commercial Loan Interest Only (PDF 91.6KB)
• Commercial Loan Variable (PDF 91.5KB)
• Dream Home Loan Variable (Principle & Interest) (PDF 93.5KB)
• Dream Home Loan Variable Interest Only (PDF 92.8KB)
• Dream Home Loan Variable Special Offer (PDF 92.5KB)
• Smart Home Loan Variable  (PDF 93.2KB)
• Smart Home Loan Fixed (1-5 years) (PDF 93.4KB)
• Smart Home Loan Variable Interest Only (PDF 93.1KB)
• Smart Home Loan Fixed Special Offer 3 Year Fixed (PDF 97.7KB)

Personal and Vehicle Loans

• Brand New Vehicle Loan - Fixed Rate (1-7yrs) (PDF 98.4KB)
• Brand New Vehicle Loan - Variable Rate (1-7yrs) (PDF 98KB)
• Used Vehicle Loan (6-10 yrs) - Variable Rate (1-5yrs)  (PDF 98.3KB)
• Used Vehicle Loan (6-10 yrs) Fixed Rate (1-5 years) (PDF 99.4KB)
•  Used Vehicle loan up to 5 yrs old variable (1-5 yrs) (PDF 98.3KB)
• Used  Vehicle Loan up to 5 yrs old Fixed (1-5 yrs) (PDF 99.1KB)
• Personal Loan Unsecured Fixed (1-5 yrs) (PDF 98.6KB)
• Personal Loan Unsecured Variable (1-5yrs) (PDF 97.9KB)
• Green Loan - Fixed Rate (1-5 years (PDF 108.3KB)

Other Products

• Basic Accounts (PDF 202.7KB)
• Everyday Transaction Accounts (PDF 206.5KB)
• Continuing Credit Accounts - Secured (PDF 53.9KB)
• Continuing Credit Accounts - Unsecured (PDF 53.6KB)
• Credit Card Classic (PDF 54.1KB)
• Credit Cards Home Loan Rewards (PDF 55.1KB)
• Offset Account (PDF 52.6KB)
• Term Deposit- Interest on Maturity (PDF 53.7KB)
• Term Deposit- Interest Paid Monthly (PDF 52.9KB)
• Visa Debit Card  (PDF 53.1KB)
• SmartPay App (PDF 97.9KB)

If you require a previous version of a TMD or a TMD for a product not currently distributed, please contact us at info@nicu.com.au. Please ensure you include the product name & time period in your request

• Fees & Charges (PDF 205.7KB)
• Interest Rates - Loans (PDF 143KB)
• Interest Rates - Savings (PDF 189.4KB)

• Account Switch Of Credit (PDF 21.4KB)
• Account Switch Of Debit (PDF 21.6KB)
• Complaints Form (PDF 95.7KB)
• EFT Transaction Enquiry/Complaints (PDF 61.1KB)
• Loans Application (PDF 2.4MB)
• Sponsorship Application Form (PDF 53.7KB)
• Credit Card Application (PDF 202.6KB)
• Account Switching Instructions (PDF 130.4KB)
• Account Opening Information (PDF 67.4KB) 

• Business Banking Manual (PDF 734KB)
• Credit Guide (PDF 111.4KB)
•  Deceased Account Information Factsheet (PDF 131.1KB)
• Early Payment/Payout (PDF 49.1KB)
• Financial Counselling Services factsheet
•  First Home Buyers Guide (PDF 1.8MB)
•  Sponsorship Guidelines (PDF 889KB)

• Annual Report 2023-2024 (PDF 596.6KB)
• Annual Report 2022-2023 (PDF 596.6KB)
• Annual Report 2021-2022 (PDF 750.7KB)

• Privacy Notification (PDF 144.9KB)
• Privacy Policy