Welcome to First Credit Union

Welcome to First Credit Union!

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.

First Credit Union has been helping everyday Kiwis achieve their goals, within their means for nearly 70 years and we look forward to putting you and your families FIRST.

What’s in it for you?

As a member of First Credit Union you have access to the products and services we provide to help you achieve your financial goals.

Whether you’re looking to buy a car, finance a home loan or maximise your savings you will benefit from making First Credit Union your first choice.

  • No Monthly Account Management fees
  • No application fee personal loans (which could save you hundreds) from 10.95% p.a.*
  • No application fee home loans**
  • Exclusive Term Deposit rate of 0.15% p.a. on top of all our carded rates^

Personal and Home Loans

Applying for a personal* or home loan** just got better- you won't pay any application fees on personal and home loans which could save you hundreds!

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

EXCLUSIVE Term Deposit Rate

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

^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!

Got a question? Or after more information about First Credit Union?

Mark Beaudoin is your point of contact. You can contact Mark Monday- Friday 8.30am to 4.30pm on:

Start your personal loan application

Apply Now

Important Information

*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 such as credit check, credit sense, motor check, PPSR, Docusign and cloudcheck of up to $29.90 per applicant may apply. View our rates and fees here.

 

Example of the total cost of a loan

When getting a loan it is important to consider the costs involved.

Here is an example of the total cost of a secured car loan:**

Borrowing $10,000
Application fee $0
Third party fee^ $29.90
Total $10,029.90
Total interest $2,393.94
Total amount payable $12,423.84

Over a 4 year term at 10.95% p.a variable rate, weekly repayments would be $59.73.

**Figures are an indication only and does not include loan protection insurance.

^Third party fees of up to $29.90 for Credit Check, Credit Sense, Motor Check, PPSR, Docusign and Cloudcheck per applicant may apply.

 

First Credit Union's head office is at: 111 Collingwood Street, Hamilton, New Zealand