Banking that belongs to you.
First Credit Union is built around our members — real people across Aotearoa, not investors offshore. Fairer rates, no sneaky fees, and profits that come back to the community we share.
Everyday banking
Accounts and loans for real life.
Whatever you're saving for or working towards, there's a home for it here — opened in minutes, managed from your phone.
AccountEveryday AccountYour day-to-day spending account. No fees, debit card included, instant transfers.Learn more 
LendingHome LoanTalk to a local lender who's been doing this in your region for years. Real advice, fair rates.Learn more 
LendingCar LoanGet on the road sooner. Fixed rates from 8.95% p.a. and no early-repayment penalties.Learn more 
AccountKids AccountHelp tamariki learn to save with a no-fee account and bonus interest on regular deposits.Learn more 
LendingDebt ConsolidationRoll multiple repayments into one manageable loan, often at a lower rate. Breathe easier.Learn more 
AccountTravel AccountSave towards the big trip and spend overseas with low fees when you get there.Learn more Why First Credit Union
The difference is who we answer to.
Member-owned
Every member is a part-owner. Decisions get made for people, not shareholder returns.
Fairer on fees
No monthly account fees, no balance tiers, and rates we’d happily explain to our own whānau.
Local and human
Real people on the phone who know your name — and branches in the communities we serve.
Banking on your phone
Open accounts, move money, and freeze a card in seconds — verified electronically, no paperwork.
Here in hard times
Hit a rough patch? Our hardship team works with you, not against you, to find a way through.
Protected deposits
Supervised by the Reserve Bank, with deposits protected under the Deposit Takers Act 2023.
Community
Profit with a purpose.
Because we don't pay dividends to investors, our surplus goes back where it belongs — into better rates for members and grants for the communities we're part of.
I joined expecting modest, friendly, a bit dated. What I got was an app that’s better than my old bank’s, a saver rate that actually means something, and people who pick up the phone. I’m not a customer here — I’m an owner.