Interest Rates - Savings & Term Deposits

Effective: 1 March 2020

All rates are subject to change.

Savings Accounts
Success Saver
$1 to $49,999	1.50% p.a.
$50,000 and over	2.00% p.a.
Goal Saver
Full Balance	1.00% p.a.
Loyalty Saver
$1 to $4,999	1.00% p.a.
$5,000 and over	1.50% p.a.
Christmas Saver
Full balance up to $100,000	3.00% 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 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 $500,000 or such other amount as the Trustees may decide (there is a $100,000 limit on the Christmas Saver)

Term Deposits (as at 25th November 2019)
Term	$500 to $9,999	$10,000 to $500,000
3 months	2.20% p.a.	2.25% p.a.
6 months*	2.75% p.a.	2.90% p.a.
9 months*	2.75% p.a.	2.90% p.a.
12 months*	2.75% p.a.	2.90% p.a.
18 months*	2.70% p.a.	2.85% p.a.
24 months*	2.70% p.a.	2.85% 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 Secured	9.95% p.a.
Secured base rate	from 9.95% 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:	5.95% 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