Rating based on 68 reviews

First Credit Union


  • Home loans up to $10,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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First Credit Union homepage

Author First Credit Union. Screenshot of First Credit Union website. [Accessed September 3, 2021]

About First Credit Union

First Credit Union has been helping New Zealanders reach their financial goals for nearly 60 years.

Our banking products are designed to make the management of personal finances more efficient, faster and easier. We offer a comprehensive range of solutions including online personal loans, term investments, savings accounts and insurance.

We offer ever better interest rates

In this way, we help our members to achieve their dreams without making sacrifices. Since we are not for profit, the money which we make goes back to out members. Our members are our shareholders and they can have their say about the management of the union.

You can become a member easily. You are welcome to make an application online. Afterwards, we will contact you so that the rest of the process can be completed.

First Credit Union Services

With the help of First Credit Union, you can have the house of your dreams.

We provide assistance to first-time home buyers and to homeowners who want to renovate their home, renew their mortgage or buy a new house. Our home loans come with superb interest rates and repayment terms that are flexible and customisable. You can make additional payments without being penalised.

We offer preapproval

We can approve you for a home loan even if you do not have a deposit of 20% of the price of the property which you want to buy. The additional benefits of our home loan package include exclusive personal loan rates, First Choice membership which enables you to use Eftpos and ATMs without paying fees and the option of getting competitive house and contents insurance.

First Credit Union Home loan

  • Loan Type Home loans
  • Interest Rate from 9.95%
  • Loan Amount up to $10,000
  • Repayment 1 year to 5 years

Benefits of First Credit Union

  • Low rate home loans
  • A transparent service
  • Apply online

With lower interest rates, we are the preferred home loan lender in NZ

Give First Credit Union in Hamilton a chance to assist you with getting the place you have always wanted with our amazing home loans! Whether you're acquiring a home, recharging your home advance, redesigning your present home or purchasing another one our Home Loan options can offer assistance.

With a First Credit Union home loan bundle you will:

  • Benefit from 'First Choice' part, implying that you won't pay any extra charges when paying your instalments.
  • Be qualified for restrictive individual advance rates.
  • Have the capacity to guarantee your House and Contents while getting your Home Loan.
  • Have a devoted Mortgage Specialist that will direct you through the Home Loan process.

Our home loans in NZ offer incredible financing costs, adaptable reimbursement terms, you won't be penalised if you need to pay off a tad bit additional and we can pre-endorse your home loan before you begin looking so you know the amount you can spend.

We offer home loans when no one else will; we don’t expect you to have large amounts of savings in your bank account or security to use against your home loan. We make applying for a loan simple and affordable, with no hidden fine print that may sneak up on you later.

Methods to apply for a home loan

  • Call us to speak to one of our loaning experts
  • Visit one of our branches
  • Email our loaning group: [email protected]

Friendly personal banking through First Credit Union!

Our financial options and products are intended to make your own accounts less demanding to oversee. We offer quick loans, investment accounts, term ventures, protections and regular managing of your accounts. Any cash we make does a reversal to our individuals through better financing costs on advances and low expenses, as we are here for client's benefit. We call our clients 'individuals', on the grounds that we grow by the customers who save money with us.

Customer Reviews & Testimonials

I wanted to purchase a home, but traditional banks were unable to help me out as I could not put down a sizeable deposit, a friend recommended I check out FCU. I did and they were able to help me...

Taylor S
— Auckland —

I was more than surprised when I found out that First Credit Union could not only offer me a home loan but that it would be at a lower interest rate than my traditional bank.

Howard N
— Queenstown —

I spoke to one of the loaning experts and they were able to answer all the questions I had before applying for my loan. Very helpful and informative.

Calum B
— Christchurch —

First Credit Union Contact

Physical Address

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