United Credit Union (UCU) offers a wide range of financial services to members throughout New Zealand.

Our services include:

  • Home Loans and Mortgages.
  • Personal Loans - including car loans, loans for debt consolidation, holidays, home improvement activities, and assisting family members. Plus much more.
  • 24 hour banking with  Internet Banking and Phone Banking.
  • NEW: 24 hour access  AccessMobile Banking now available. Compatible with Smartphones and Tablets.
  • Personal Savings Accounts and Term Deposits.
  • AccessDebit MasterCards and AccessCards.

Join UCU | Become a Member Today

It takes just three simple steps to join United Credit Union

  1. Download and fill in our Membership Application Form.
  2. Get two documents certified with an Authorised Certifier.
  3. Post or deliver to us your completed Application Form and Certified Copies.

Once received, you should be approved within 1 -2 working days.

Join today and take advantage of our great rates. Check out our Hot Special Rate for Car Loans – just 9.0%

Services Provided to Members New Zealand Wide

Based in Wellington, we provide our financial services including personal loans and mortgages to members throughout New Zealand including Auckland, Hamilton, Christchurch and Dunedin.  For UCU members situated outside Wellington, we simply undertake all your financial transactions by communicating with you by phone, fax, or email. 

To learn more about our great services and how we can help you with your personal loans and savings please  Contact Us or Call Free on 0800 800 143.


Read our October 2014 Newsletter on "Loan Provider Savings Accounts"  "Christmas Club" online




Join UCU today and take advantage of our great rates.

Car loans for just 9.0%

  • No deposit needed.
  • Borrow up to $25,000.

Pre Approvals Available. Pay cash and negotiate a cheaper rate!!!

UCU now offers AccessMobile Banking. 

New 24 hour banking service that lets you do a wide range of your standard banking services direct from your smartphone or tablet. Learn more


Personal Loans

Talk to us about a personal loan. Includes loans for:

  • Cars and vehicles
  • Debt Consolidation
  • Holidays
  • Home improvements
  • Plus more...

Low fees. Great interest rates. No penalties for early repayment of your personal loan.

Find out more about personal loans

AccessDebit MasterCard© is the only card you'll need for in store, ATMs, online, over the phone & overseas. Apply for yours now.

Call us on 0800 800 143.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

AccessDebit MasterCard©