Rating based on 72 reviews

Credit Union


  • Home loans up to $1,500
  • Low-interest starting from 22.95%
  • Repayment up to 3 years

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Credit Union homepage

Author Credit Union. Screenshot of Credit Union website. [Accessed April 17, 2018]

About Credit Union

The history of the United Credit Union (UCU) began in 1938 when it was established as the Post Office Investment Society.

It has operated as a co-operative ever since. We pool money from our members and use it to extend credit to other members in the form of home loans, personal loans and more. We set interest rates that are lower than the market ones.

We offer a diverse range of credit products

We are particularly proud of our dedicated customer service and of our internal complaints process which works effectively and quickly to help resolve various kinds of disputes. UCU is a registered entity operating under a Trust Deed. It is owned by its members with each member having a single share. It has a successful financial performance and offers affordable mortgages and credit products. We accept individuals and charitable trusts and incorporated societies as members.

Credit Union Services

United Credit Union offers home loans to members throughout New Zealand.

Our interest rates are below the market ones. This is applicable to our application fees as well. We can structure the quick online loan and its repayment to match your budget and requirements fully. Our goal is to make you feel at ease about the repayment of the loan.

We have an online loan calculator on our website

With our assistance, you will be able to manage it effectively and make full use of it and the equity that you will be building in your house. You simply need to get in touch with one of our specialists to discuss your lending needs and requirements. If you live outside Wellington, we will offer high-quality customer service via telephone, email and fax. 

Credit Union Home loan

  • Loan Type Home loans
  • Interest Rate from 22.95%
  • Loan Amount up to $1,500
  • Repayment 6 months to 3 years

Benefits of Credit Union

  • HOME Loans
  • CAR Loans 
  • PERSONAL Loans

Credit Union offers our clients the best deals on property loans in SA

New Zealand’s Credit Union in Wellington has the right resources for occupants wanting to purchase their own homes.

We offer a lot more than just superb quality service; we assist with money and financial assistance to clients wanting to make long or short term loans.

We offer a simple online loan application and a quick turnover time.  Our home loan options offer you some assistance with paying off your dream home with low rates and service from our team. We try to keep our premiums as low as possible, to keep our customers away from having mounts of debt over their shoulders, and allowing them to still live comfortable lives, without having to pay all they have into their home loan every month.

Tips on how to manage your home loan:

  • Making further reimbursements and consistent instalments
  • and explaining the benefits of keeping up with your regular payments.
  • Both reliable and specially appointed staff onboard our team ensures the vital quality of your home loan service.
  • The sooner you begin making additional reimbursements, the bigger the benefit regarding your time and money.
  • Ensure you make your portion on time each month to abstain from going into overdue debts.

If you choose to pay instalments month to month, you'll have the capacity to assemble additional reserve funds paying fortnightly. This strategy can, in the end, make them pay one month less off your home loan once per year, lessening the loan long term. Arrangements for longer-term payments can be arranged according to the amount of money you wish to borrow for your home loan.

Anticipating starting a family in a couple of years?

Your family may need a bigger home, with more space for the children. Families commit the normal error of not really understanding the money related effect of this, so it's best to set up for any possibilities now before your family starts to increase. Before you get your new home affirm you'll have the capacity to handle any future charges if you decide on the variable rate home advance alternative.

Customer Reviews & Testimonials

The consultant at Credit Union was very thorough in finding out what our needs and requirements were and helped tailor a loan for that.

Nicole B
— Hamilton —

Highly affordable home loan option that is accompanied by excellent customer service.

Grant C
— Napier —

The online loan calculator helped us decide which repayment term was most comfortable for us. I was very satisfied with the overall experience.

David F
— Christchurch —

Credit Union Contact

Physical Address

Postal Address

  • PO Box 83009, Johnsonville, Wellington, 6440, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed