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  3. Interest Rates

Interest Rates

Effective 1 July 2010.

All rates are subject to change.

Savings Accounts
Success Saver  
  $500 to $4,999  3.00% p.a.
  $5,000 and over 4.00% p.a.
Goal Saver  
  $500 and over 1.50% p.a
Loyalty Saver  
  $500 to $4,999  2.00% p.a.
  $5,000 and over 3.00% p.a.
Christmas Saver  
  Full balance 3.00% p.a.
Jimmy J  
  Full balance 3.00% p.a.
  • Interest is calculated monthly based on minimum monthly balance
  • Interest is paid at the end of each month (except for Christmas Saver - interest is accrued monthly and paid annually on 30 November)
  • Interest rates quoted apply to the whole minimum monthly balance
  • Maximum Total Shareholding permitted per Customer is $250,000
  • One free withdrawal per month

Term Deposits
Term $500 to $9,999 $10,000 to $250,000
3 months 3.50% p.a. 3.75% p.a.
6 months 3.50% p.a. 4.80% p.a.
9 months 3.75% p.a. 5.25% p.a.
12 months 5.00% p.a. 5.50% p.a.
18 months 5.50% p.a. 5.50% p.a.
24 months 5.75% p.a. 5.75% p.a.
  • Interest is calculated daily
  • Interest can be paid or compounded on maturity or quarterly
  • Deposit from as little as $500 up to $250,000
  • Investors are advised of their options prior to maturity
  • Maximum Total Shareholding permitted per Customer is $250,000
  • These Credit Union deposits are secured by a registered first ranking Trust Deed
  • Click here to view NZCU Auckland Investment Statement

Personal Loans
Loyalty Saver Secured 12.00% p.a.
Secured base rate from 12.00% p.a.*
Unsecured up to 19.00% p.a.**
  • These are indicative rates only and may be subject to change without notice.
  • Normal lending criteria apply.
  • *actual rate may vary as it is determined by individual circumstances.
  • **dependent upon history and risk.

Home Loans
Floating rate for First Mortgage: 6.70% p.a. 
  •  Normal lending criteria applies. 

Credit Union Auckland, trading as NZCU Auckland, shares are secured by a first ranking registered Trust Deed. NZCU Auckland investments are covered by the Deposit Guarantee Scheme.

A copy of our Investment Statement and Prospectus is available free of charge from our office at:

695 Great South Road, Penrose, Auckland 1061

Main Office Tel: 09 579 1026
Email: enquiries@nzcuauckland.co.nz