Rating based on 39 reviews

First Credit Union

Updated

  • Home loans up to $10,000
  • Low-interest up to 9.95%
  • Repayment up to 5 years

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First Credit Union homepage

Author First Credit Union. Screenshot of First Credit Union website. [Accessed April 17, 2018]

About First Credit Union

We are owned by our member and not a small crowd of owners. Although we still offer several of the same products as modern banks, our rates are normally lower and our application methods are less stringent.

Credit unions have a robust focus on our community members plus we use a democratic attitude when we elect a board of directors. This makes us a credit union and not a bank!

The best deals on home loans

Unlike a bank, we’re not in it for profit! First Credit Union is strictly owned by its members and not shareholders.

We have great concern for our member and we show it by offering the best-priced products and service possible, we also offer free financial education, free tax preparation and free money management tool in order to assist members to improve their financial status. In other words, we exist to serve our members as best as we possibly can.

Caring about our community

Our core value is to serve our communities and to continuously give back.

Giving back to the communities we serve is a core value. With the help of our members, we raise thousands of dollars each and every year for the Phoenix and Tucson Children’s Medical Network hospitals.

We also help collect and donate clothing, school supplies, personal hygiene items, food for our neighbours as well as pet supplies throughout the year.

We appreciate that our employees give their valuable time by donating hundreds of volunteers hours by serving community organisations.

First Credit Union Services

We have you covered from your very first debit card to retirement savings options, we also have you covered with a wide range of choices for borrowing, spending, saving and investing.

Since we are a non-profit concern, our earning a put back into our member’s pockets, normally by offering lower interest rates, better terms and reduced fees, meaning that you could perhaps pay less for a personal loan offered by a credit union. We value our independence, comparison results, reviews and content for unbiased analysis.

First Credit Union can help you buy the home of your dreams

Allow us to help you to get the house you’ve always dreamed of! It doesn’t matter if you’re a first time home buyer of renewing your home loan, or perhaps a loan for renovations current home or buying a new home! A First Credit Union Home Loan package allows you to: Come to be a ‘First Choice’ member, this means that you will not pay Eftpos or ATM charges on your account.

Why you should choose First Credit for your home loan

You are able to ensure your house and contents all at the same time as attaining your home loan. We offer you a dedicated mortgage specialist that will assist and guide you through the entire home loan process. First Credit Union offers great flexible repayments terms, interest rates, no penalty’s should you choose to pay a little extra plus we are able to provide pre-approval on your home loan before you start shopping for a new home and you know how much you have to spend.

If you are not in the possession to provide a 20% deposit that is normally required by banks, no problem First Credit Union could possibly consider a smaller deposit on your home loan but you must complete an online loan application to find out.

First Credit Union Product Details

  • Loan Type Home loans
  • Interest Rate 9.95%
  • Loan Amount up to $10,000
  • Repayment 1 year to 5 years

Summary of Services

  • Interest rates are low
  • Get transparent services
  • Easy online application

First Credit Union - Competitive rates on home loans

You are welcome to give us a call and speak to one of our qualified lending consultants, visit a branch nearest to you or you could email our lending team who will be happy to assist in the best possible way.

Score a competitive rate for a personal loan

What do you think when you think of a personal loan? Your mind might possibly think a big name bank or well-known lenders! However, those are not the only places you can obtain a loan. First Credit Union also offers personal and short-term loans for all sorts of credit profiles. The good news is that we could possibly save you some money.

Unsecured personal loans – More than any of the other loans an unsecured personal loan is possibly the most common type of loan applied for. This sort of loan does not require you to offer any collateral, and if you are credit worthy and earn a regular kind of income, you could qualify for a low-interest rate with First Credit Union.

Secured personal loans – These loans are less common but they do require that you offer collateral, generally a certificate of your savings or deposit account, should you default on repayments this will act as collateral. It also lowers your potential interest rate and it’s easier for individuals that have a less than perfect credit history to qualify.

What sets personal loans and credit union apart

Far removed from many other lending institutions, we are non-profits. So our end game isn’t all about making profits for investors, but instead, we provide our members with greater competitive services.

For this reason, it will be necessary for you to become a member before qualifying for one of our home loans.

Customer Reviews & Testimonials

It was so pleasant dealing with First Credit Union. I’d recommend them. They look after you.

Judy M
— Auckland —

The application process isn’t strenuous and the staff are very friendly. Buying a house is a big deal and I’m so happy First Credit Union is the one who helped me.

Carla S
— Wellington —

They helped me purchase my new home and what’s great is that they have affordable rates.

Damian A
— Nelson —

First Credit Union Contact Details

Physical Address

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 –