Northern Inland Credit Union Credit Cards

Updated 14 October 2019

Based in the North West region of New South Wales, Northern Inland Credit Union has branches in Tamworth, Gunnedah and Narrabri. While it doesn’t restrict membership to those who reside within these areas, the credit union has a strong focus on community, providing innovative financial products and services that suit the local market, and its individual communities and families.

Northern Inland Credit Union Visa Classic Credit Card

Northern Inland Credit Union Visa Classic Credit Card

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Northern Inland Credit Union Low Rate Visa Credit Card

Northern Inland Credit Union Low Rate Visa Credit Card

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Northern Inland Credit Union

Having served the area for around 50 years, Northern Inland Credit Union prides itself on offering a wide range of financial products backed by honest, trusted service. Committed to helping its members find smarter ways to manage their money, it offers a full suite of financial solutions including everyday and savings accounts, credit cards, personal and car loans, investment loans and home loan packages.

Northern Inland Credit Union believes it is its close relationship with members – and multiple generations of those members’ families – that sets it apart from larger institutions. As it is locally owned and operated, it has the ability to tailor its offerings directly to the people of Northern Inland New South Wales. With its head office in Tamworth, all decisions are made right there within the community it serves by a team of some 50 staff members.

Why choose Northern Inland Credit Union?

Northern Inland Credit Union may not be a name you’ve come across. So, why would you choose this credit union over a bigger bank with a more prestigious reputation?

It is a mutual: Northern Inland Credit Union is a mutual financial organisation, which means it is owned by its members. When you join Northern Inland Credit Union you become a member, and that gives you a say in how the credit union is run. This is not something you would get with a big bank, which is owned by external shareholders.

It keeps things competitive: Without any external shareholders to please, Northern Inland Credit Union can re-invest profits to offer members lower fees and better rates. That means, if you apply for a credit card from Northern Inland Credit Union, you can take advantage of lower fees and lower rates than you may find with a bigger bank.

It believes in community: Not paying out profits to external shareholders also allows Northern Inland Credit Union to support the local community. Owned and operated within Northern Inland New South Wales, this is a credit union that is dedicated to engaging local businesses wherever possible and is a strong supporter of community groups through its sponsorship program.

It has a strong sense of history: Northern Inland Credit Union has more than 50 years of experience within the financial services industry. As the amalgamation of three credit unions, Namoi Credit Union Ltd, Oxley Mutual Credit Union Ltd and Tamworth Community Credit Union Ltd, Northern Inland Credit Union was formerly established in 1988.

It is well regulated: Despite its smaller size, Northern Inland Credit Union is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC), making it just as safe as any financial institution in Australia.

Becoming a Member

Thinking of applying for a Northern Inland Credit Union credit card? You’ll have to become a member first. Don’t worry, to become a member, all you need is to be an Australian resident. Joining is easy, no matter where you live in Australia. If you are local, you could pop into one of the credit union’s branches. Alternatively, you can complete a Member Application form, and then send it in along with your identification documents that have been certified by a Justice of the Peace or Solicitor.

Once you have become a member, you are free to apply for either of the credit union’s credit cards. So, what do they have to offer?

Northern Inland Credit Union Low Rate Visa Card: Offering one of the lowest purchase rates in the market, this card could be a good option for cardholders who carry a balance. While features are fairly basic, the card can help keep costs low with no annual fee.

Northern Inland Credit Union Visa Classic Credit Card: While it may have a slightly higher ongoing purchase rate, this card still acts as a low rate card – and can offer incredible savings for Northern Inland Credit Union home loan customers. Cardholders can also benefit from a low annual fee and up to 55 days interest free on purchases.

To find out more, simply click on each card’s page for the full lowdown and our handy review.

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