Interest Rates

Here you’ll find a schedule of our current rates, available for download.

Rates are effective 27 June 2017 and all rates are subject to change without prior notice.



Target Saver 2.00% p.a
Loan Provider 2.00% p.a
Christmas Club 4.00% p.a
Kids Club Account 2.00% p.a

  • Deposit up to $250,000
  • Interest rates quoted apply to the whole account balance and may vary at any time



$500 to $1,999

$2,000 to $9,999

$10,000 to $250,000

3 months 2.25% p.a. 2.50% p.a. 3.00% p.a.
6 months 2.35% p.a. 2.60% p.a. 3.50% p.a.
9 months 2.45% p.a. 2.85% p.a. 3.85% p.a.
12 months 2.50% p.a. 3.10% p.a. 3.80% p.a.
24 months Nil Nil 4.00% p.a.
36 months Nil Nil 4.20% p.a.
48 months Nil Nil 4.40% p.a.

  • Interest paid or compounded quarterly
  • Deposit from as little as $500
  • Investors are advised of their options prior to maturity
  • These Credit Union deposits are secured by a registered first ranking Trust Deed
  • Click here to view the NZCU Employee’s Investor Information



Loyalty Saver Secured 10.00% p.a.
Secured base rate 12.50% p.a. – 14.00% p.a.*
Unsecured 14.00% p.a. – 19.00% p.a.**
Special rate (for a limited time only) 9.95% p.a.

  • These are indicative rates only and may be subject to change without notice
  • Normal lending criteria apply
  • *actual rate may vary as it is determined by individual circumstances
  • **dependent upon history and risk



Floating rate for First Mortgage Price on application

  • Normal lending criteria applies


NZCU Employees, trading as New Zealand Employees Credit Union, shares are secured by a first ranking registered Trust Deed.

Contact Us for a copy of our Product Disclosure Statement (available free of charge).