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Northern Inland Credit Union Smart Start vs Northern Inland Credit Union Super Saver

4.00% a year
2.43% a year
vs
These are open to different people: Northern Inland Credit Union Smart Start only to 18 to 29 year olds, Northern Inland Credit Union Super Saver only to anyone under 20.
Interest a year on $50,000, with the conditions met
$2,000
4.00% on this balance
$1,215
2.43% on this balance

Northern Inland Credit Union Smart Start pays $785 more a year on $50,000 than Northern Inland Credit Union Super Saver.

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Where they differThe rate (4.00% against 4.85%), the conditions on the bonus, how much of a balance the top rate covers and who can open it.

The same on bothNo minimum balance.

Northern Inland Credit Union LimitedSmart Start
Northern Inland Credit Union LimitedSuper Saver
Interest a year without meeting the conditions
on $50,000
$225
at the base rate
$1,215
No conditions to miss
+$990 · More without meeting the conditions
Rate on your $50,000
4.00%
one rate on all of it
+1.57 · Higher rate on this balance
2.43%
Total rate
base plus bonus
4.00%
4.85%
+0.85 · Higher total rate
Base rate
paid whatever you do
0.45%
4.85%
the whole rate
+4.40 · Higher base rate
Bonus rate
3.55%
with the conditions met
+3.55 · Higher bonus rate
None
one rate, nothing to do
Top rate paid up to
No cap
Covers all of it · Covers more of a balance
$25k
What the bonus asks each month
  1. A deposit of at least $1,500
Nothing
Who can open it
18 to 29 year olds
Anyone under 20
Rank by total rate
87th of 117
among accounts open to adults
71st of 117
among accounts open to adults
Last rate change
3 Nov 2026
up 0.25
3 Nov 2026
up 0.50

Rates over time

Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.

Northern Inland Credit Union Smart Start
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Northern Inland Credit Union Super Saver
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As of 9 November 2026, Northern Inland Credit Union Smart Start pays 4.00% with its monthly conditions met, and Northern Inland Credit Union Super Saver pays 4.85% with nothing to do each month. On $50,000, that's $2,000 against $1,215 a year, $785 more from Northern Inland Credit Union Smart Start. Figures are the banks' published rates, worked out on the balance above. Each row says which figure is higher; it doesn't say which account suits you.

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