Credit Union

image of Credit Union
image of Credit Union

About – Credit Union

The history of 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 which 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 successful financial performance and offer affordable mortgages and credit products. We accept individuals and charitable trusts and incorporated societies as members.

Services – Credit Union

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 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 to help you get started.

With our assistance, you will be able to manage it effectively and make full use of it and the equity which 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. 


Summary of Services

  • Home Loans
  • Car Loans 
  • Personal Loans


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

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 whenever you need it. 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.

We are always looking out for our clients financial best interests, including giving valuable advice and tips on how to manage your home loan including:

  • Making further reimbursements and consistent instalments
  • and explaining the benefits of keeping up with your regular payments.
  • Both reliable and specially appointed staff on board our team ensures the vital quality on 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 the upcoming 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.

 Contact Details

Manukau, Auckland Region, 2104, New Zealand
Ph: +64 9-579 1026 / (04) 477 7073
Fx: (04) 477 9456
Em: [email protected]
Em: [email protected]

 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 –