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Text Content

Fraud and scams are on the rise.

Click here for tips to help protect you and your money.
















































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 * Get a loan
   * Home Loans
   * First Home Loans
   * Reverse Mortgages
   * Personal Loans
   * Debt consolidation
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   * Travel loans
   * Home renovation loans
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 * Invest and save
   * Term deposits
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 * Get insured
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 * About us
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 * Info
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   * Protect your money from scams
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   * Hardship assistance
   * Identity verification
 * Contact
   * Branch and ATM finder
   * Feedback / Complaint
   * Enquiry form


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DOING MONEY, TOGETHER.



At Unity, we do money differently. We’re member-owned so any profit we make goes
back to our Unity community. We provide simple, smart money solutions – from
savings and home loans, through to everyday banking – to help everyday Kiwi’s
get ahead.

We’re more interested in making an impact, than just making money. When you bank
with us, you’re treated like a person, not a number. Because as a credit union,
that’s what we stand for - doing money together, for the good of all of us. 

All Credit Union Baywide brands including NZCU Baywide, NZCU South, NZCU Central
and ACU have changed to Unity. This has created one unified community with a
common goal - to do great things together. 

So join us – you’ll wish you'd done it sooner. 




FIND THE PATH TO YOUR PROPERTY GOALS WITH UNITY



Buying a property is one of the biggest decisions we’ll make in our lifetime. It
can be challenging for even the savviest investor – even more so if you’re a
first home buyer. With a Unity Home Loan, you're in safe hands. We'll work with
you through the hurdles.



Apply now


ALL YOUR BANKING NEEDS, YOUR WAY


SUPPORT FOR FIRST HOME BUYERS

With a First Home Loan, supported by Kāinga Ora – Homes and Communities, owning
your first home could become a reality from as little as 5% deposit.

Find out more


GREAT TERM DEPOSIT RATES

We make saving easy with some of the best savings accounts and term deposit
investments in New Zealand. Achieve your financial goals and start saving today
with Unity.

Find out more


PERSONAL LOANS FROM 9.90% P.A.

At Unity, we offer competitive rates on both secured and unsecured personal
loans. Our quick hassle-free financing options are tailored to your
requirements.

Find out more


INTERNET BANKING

Register here


HELPFUL FINANCE TIPS

Find out more


FIND A BRANCH OR ATM

Find out more


HELPING KIWI GO-GETTERS

 

We help everyday Kiwis achieve their financial goals. Do you want to start with
small steps or are you working towards a bigger change? We believe in listening
to what our members need and then helping with simple, smart money solutions so
you can get on and be better.

For Kevin “Unity was the only company that gave me a chance”, and for Tania it
was by “explaining the process in greater detail in a language that I
understood”.

Let’s start working towards your goals.

 




















































"BEST CUSTOMER SERVICE AND LOANS ARE AFFORDABLE, AT LOW INTEREST RATES."
KERRY-LEE




NEWSFEED

Disputing debit card transactions


TRY OUR CALCULATORS

Personal Loans Calculator
Home Loans Calculator
Debt Consolidation Calculator



TALK TO US
0800 229 943

 * Home Loans
 * First Home Loans
 * Reverse Mortgages
 * Personal Loans
 * Debt consolidation
 * Car & vehicle loans
 * Travel loans
 * Home renovation loans
 * Quick and easy overdraft
 * Secured personal loans

 * Term deposits
 * KiwiSaver
 * Everyday accounts
 * Savings accounts

 * Car Insurance
 * Funeral Insurance
 * Provident Loanminder
 * Southsure Payment Protection Insurance

 * Why Unity
 * Member benefits
 * Member offers
 * Finance blog
 * Latest news
 * Think before you spend
 * Awards / recognition for Unity
 * Governance
 * History

 * Rates
 * Fees
 * Ways to bank
 * New Upgrades
 * Frequently asked questions
 * Protect your money from scams
 * Careers at Unity
 * Partnership applications
 * Legal T&Cs
 * Hardship assistance
 * Identity verification

 * Branch and ATM finder
 * Feedback / Complaint
 * Enquiry form

 * Rates
 * Fees
 * Sitemap
 * Legal T&Cs

Unity Credit Union trading as Unity.

*The product issuer is Unity Credit Union, trading as Unity. Terms and
conditions and normal lending criteria apply. A $200 application fee and other
fees apply for personal lending. All variable rates, fees and returns are
subject to change without notice. The current Product Disclosure Statement and
other disclosure statements are available here or on request from Unity. Unity
savings are shares secured by a first-ranking security over Unity’s
assets. Click here to view our rates and fees. The CANSTAR 5 Star Rating was
awarded in December 2021 to Unity Credit Union for Orange Personal Loans and in
June 2021 for our Online Saver and Everyday Saver account.

Head office based in Hastings – 100 St Aubyn Street, East Hastings, New Zealand.
For enquiries, contact us at enquiries@unitymoney.co.nz

Personal loan floating interest rates range from 9.90% - 21.90% p.a. secured
or 12.90% - 24.90% p.a. unsecured. Loan term 1 – 7 years. T&Cs apply. On
drawdown a $200 application fee will apply. View rates & fees here. 

UNITY IS PROUD TO BE A CREDIT UNION AND NOT A REGISTERED BANK.