Unity Credit Union is a not-for-profit organization, which means that any surplus it generates is returned to its members in the form of dividends or used to improve the credit union's services. This model allows the credit union to offer lower interest rates on loans and higher interest rates on...
last updated on 2023-04-20 11:40:27
The credit union offers a range of financial services to its members, including savings accounts, personal loans, home loans, vehicle loans, and insurance products. Unity also offers a range of online banking services, including online account access, bill payment, and e-statements.
One of the key advantages of being a member of Unity Credit Union is the personalized service that members receive. The credit union has a team of experienced staff who are dedicated to providing a high level of customer service to members. Unity also offers financial education and advice to help members make informed decisions about their finances.
Unity Credit Union is a member of the New Zealand Association of Credit Unions (NZACU), which represents credit unions in New Zealand and provides support and advocacy for the industry. The credit union is also regulated by the Reserve Bank of New Zealand and the Financial Markets Authority, ensuring that it operates in a safe and secure manner.
Overall, Unity Credit Union is a reliable and customer-focused financial institution that offers affordable and accessible financial services to its members. Its commitment to providing personalized service and financial education sets it apart from many traditional banks and makes it an attractive option for those looking for a different kind of banking experience.
Rate
5.69% (Fixed, 24 months)
Mortgage purpose
Buying Next Home, First Time Buyer
Payment frequency
Fortnightly, monthly, weekly
Maximum LVR
85%
Rate
5.79% (Fixed, 18 months)
Mortgage purpose
Buying Next Home, First Time Buyer
Payment frequency
Fortnightly, monthly, weekly
Maximum LVR
85%
Rate
5.99% (Fixed, 12 months)
Mortgage purpose
Buying Next Home, First Time Buyer
Payment frequency
Fortnightly, monthly, weekly
Maximum LVR
85%
Rate
6.5% (Fixed, 6 months)
Mortgage purpose
Buying Next Home, First Time Buyer
Payment frequency
Fortnightly, monthly, weekly
Maximum LVR
85%
Rate
7.64% (Floating)
Mortgage purpose
Buying Next Home, First Time Buyer
Payment frequency
Monthly
Maximum LVR
100%
| Fixed Rate | 5.79% |
| Fixed rate period | 18 months |
| Floating rate | 7.95% |
| Maximum borrowing amount | No data |
| Min borrowing period | 18 months |
| Max borrowing period | 360 months |
| Payment frequency | weekly, monthly, fortnightly |
| Establishment fee | $550 |
| Default penalty interest rate | |
| Сashback | |
| Early repayment/part prepayment fee | You will not be penalised if you repay your floating loan early (Discharge fee will still apply) |
| Standard LVR | 80% |
| Max LVR | 85% |
low equity interest rate premium |
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