First Credit Union

Welcome to First Credit Union!

As you know, there are many benefits of belonging to a credit union and as a member of First Credit Union you and your family will come FIRST.

Personal and Home Loans

Applying for a personal* or home loan** just got better- we’ve removed the application fees on personal and home loans which could save you hundreds!

*Normal lending criteria apply and T&Cs apply. Normal floating rates range from 10.95% p.a. variable to a maximum of 18.00% p.a. variable. Minimum loan term 3 months. Maximum loan term 7 years. No application fee and no early repayment penalties. Third-party fees of up to $29.90 per applicant may apply. 

**For all home loans, First Credit Union's normal lending criteria, fees, interest rates, terms and conditions apply and are subject to change.

Apply Now!

Start your personal loan application

What next?

Over the next few weeks we will start to rebrand Credit Union Auckland to First Credit Union. Credit Union Auckland will be known as First Credit Union, this will be reflected in how we serve you, how we answer the phone, documents and you now have a much larger team working for you to help you achieve your financial goals.

Internet Banking

You can now login to your internet banking from the home page of the First Credit Union’s website. You’ll now find a button to login for Credit Union Auckland members on our homepage (click on the padlock on the top right hand side).

Take me there now!

Rates & Fees

Effective immediately we have removed all loan application fees, and personal loan, home loan and term deposit rates have been aligned with First Credit Union's.

Over the coming months we will work on aligning all the rates and fees to First Credit Union's, until then please click here for the list of rates and fees that will apply to your account.

EXCLUSIVE Term Deposit Rate

Maximise your savings with an exclusive 0.15% p.a. on top of all our carded term deposit rates^.

Over the coming months we will work on aligning the rest of Credit Union Auckland's rates and fees with First Credit Union. Until then, click here to see your current rates and fee schedule.

^Must be a new deposit. Rate does not apply to any "Special" or promotional term deposit rates. A copy of our Product Disclosure Statement can be found here.

Get in touch

We’re here to help! You will continue to be served by your local team, however, you now have a larger team working for you and your local community.

To find your nearest branch click here. To speak to one of the team give us a call.


  • At this stage, nothing. Everything about your membership with Credit Union Auckland remains the same. We will be in touch to advise when we will move you across to the First Credit Union system.

  • Yes. We have added a new internet banking log in button to the homepage of our website for Credit Union Auckland members. Simply click on the button and log in as you normally would.

  • If you have a personal loan with Credit Union Auckland, everything about your loan, including your interest rate, repayment amount and repayment frequency will remain the same.

  • Yes, over the next few weeks you will see the Penrose branch rebranded to First Credit Union. Your local team will be able to keep you up to date with our plans as we progress.

  • We're committed to making sure our members have the best experience possible. Sometimes we don't get things right and if this happens, we need to know! For more information about our feedback and complaints procedure, click here.