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  • Notice to Members:

    REDUCED HOURS:  Owing to staff shortages, Penrose and Manukau branches will open at reduced hours (10am to 2pm) with COVID-19 protocols (click here to view protocols). You will still be able to contact us by phone on (09) 579 1026 between 9am and 4:30pm weekdays. BRANCH CLOSURES: Our Highbrook and Tip Top branches are closed until further notice. 

    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 3 May 2022)
    Term$500 to $9,999$10,000 to $500,000
    3 months1.15% p.a.1.15% p.a.
    6 months*2.15% p.a.2.15% p.a.
    9 months*2.35% p.a.2.35% p.a.
    12 months*2.75% p.a.2.75% p.a.
    18 months*2.90% p.a.2.90% p.a.
    24 months*3.30% p.a.3.30% 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 Secured8.95% p.a.
    Secured base ratefrom 8.95% 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