Savings account · 18-29 years
Northern Inland Credit Union Smart Start
3.75%p.a. total
0.45% base + 3.30% bonus when the conditions are met
106th of 152 savings accounts · market average 4.23%
The RBA raised the cash rate to 4.60% on 30 September. Smart Start hasn't moved yet.
What the bonus asks
1 thing each month- Each month
- A deposit of at least $1,500
- A month without them
Pays the 0.45% base rate on the whole balance.
- Who can open it
18 to 29 year olds
- Balance
No balance cap.
Rate history
No change since tracking began on 7 Oct- Smart Start
- RBA cash rate
- Market average
No rate changes recorded for this account since tracking began on 7 October 2026.
- #106NowOct 2026: ranked 106 of 152
- Top 5%
- Top 10%
- Top 25%
- Top half
- Lower half
Ranked #106 of 152 this month. Tracking begins here.
- A year, conditions met
- $1,875
- A year, never met
- $225
- Against the average (4.23%)
- −$239
On a $50,000 balance. Type yours above; it's kept with your savings preferences.
The ideal savings account for young workers. Enjoy a base interest rate and a bonus interest rate when you deposit $1,500/month. Package with the Smart Start Access account for everyday use.
Notes from savers
to leave a note.
Other Northern Inland Credit Union Limited accounts: Super Saver 4.35%
Pays 3.75% p.a. total (0.45% base plus 3.30% bonus) as of 7 October 2026. Ranks 106th of 152 savings accounts tracked by BankMate, 0.48 points below the average of 4.23%. It has not changed since tracking began on 7 October 2026. From Northern Inland Credit Union Limited's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·