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  • Notice to Members:

    COVID-19 LEVEL 3 RESTRICTIONS: Under Level 3, our Penrose Branch is open for essential banking services to existing Members only on Tuesday and Friday from 10am to 2pm.  Our other branches are closed under Level 3.  However, you can still contact us during weekdays by phone, fax or email (for contact details click here)

    Interest Rates - Savings & Term Deposits

    Effective: 1 March 2021

    All rates are subject to change.

    Savings Accounts
    Success Saver
    $1 to $49,9990.75% p.a.
    $50,000 and over1.00% p.a.
    Goal Saver
    Full Balance0.25% p.a.
    Loyalty Saver
    $1 to $4,9990.50% p.a.
    $5,000 and over0.75% p.a.
    Christmas Saver
    Full balance up to $100,0002.00% p.a.
    As an added bonus, 3 lucky Members will each win a special Christmas Hamper to the value of $250.00 in December. All Christmas Saver accounts are eligible to go into the draw.
    Kids Cash Saver
    Full balance2.00% 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 $500,000 or such other amount as the Trustees may decide (there is a $100,000 limit on the Christmas Saver)
    Term Deposits (Effective 27 July 2021)
    Term$500 to $9,999$10,000 to $500,000
    3 months0.60% p.a.0.60% p.a.
    6 months*1.05% p.a.1.15% p.a.
    9 months*1.05% p.a.1.15% p.a.
    12 months*1.25% p.a.1.40% p.a.
    18 months*1.25% p.a.1.40% p.a.
    24 months*1.30% p.a.1.50% p.a.
    • Interest is calculated daily
    • Interest can be paid or compounded on maturity or quarterly*
    • Deposit from as little as $500 up to $500,000
    • Investors are advised of their options prior to maturity
    • Maximum Total Shareholding permitted per Customer is $500,000 or such other amount as the Trustees may decide
    • These Credit Union deposits are unrated and secured by a registered first ranking Trust Deed

    Interest Rates - Loans

    Personal Loans
    Loyalty Saver Secured9.95% p.a.
    Secured base ratefrom 9.95% p.a.*
    Unsecuredup 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:5.45% p.a.
    • Normal lending criteria apply.

    Shares in Credit Union Auckland, trading as NZCU Auckland, are unrated shares secured by a first ranking registered Trust Deed.

    A copy of our Product Disclosure Statement and Terms Conditions are 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