Here you’ll find a schedule of our current fees and charges, available for download.

Download our Fees and Charges here or if you’d like us to email or post you a copy, please give us a call on (09) 579 0448.

Note: With our latest fees update the following changes have been made: Cash Account has been renamed to Everyday Account; Everyday Account has a flat monthly management fee of $5 and no other transaction fees.


Fee TypeFee Group  
Domestic ATM
NZCU Employees ATM WithdrawlNo chargeN/ANo chargeNo charge
Other ATM WithdrawlNo chargeN/ANo chargeNo charge
NZCU Employees ATM Enquiry/DeclineNo chargeN/ANo chargeNo charge
Other ATM Enquiry/DeclineNo chargeN/ANo chargeNo charge
Domestic POS
TransactionNo chargeN/ANo chargeNo charge
DeclineNo chargeN/ANo chargeNo charge
International ATM Card Transactions
Overseas ATM Withdrawl$7.50N/A$7.50$7.50
Overseas ATM Enquiry/Decline$7.50N/A$7.50$7.50
International POS Card Transactions
Overseas POS/Decline$1.00N/A$1.00$1.00
Currency Conversion1.00%N/A$10.00$10.00
Currency Conversion2.00%N/A2.00%2.00%
New Card FeeNo chargeN/ANo chargeNo charge
Renewal Card Fee$10.00N/A$10.00$10.00
Replacement Card Fee$10.00N/A$10.00$10.00
Administrative Fees
Monthly Management Fee - Every Day Account ONLY$5.00No chargeNo chargeNo charge
Entrance FeeNo chargeNo chargeNo chargeNo charge
Dormancy FeeN/AN/AN/AN/A
Non-Standard Fees
Disputed MasterCard Transaction$25.00N/A$25.00$25.00
Disputed Credit Union Transaction (max. $100.00)$25.00 p/hN/A$25.00 p/h$25.00 p/h
Inter-credit Union Transactions$10.00$10.00$10.00$10.00
Overdraft Fees
Overdraft Management FeeN/AN/AN/AN/A
Overdraft Approval FeeN/AN/AN/AN/A
Uarranged Overdraft InterestN/AN/AN/AN/A
Payment Transactions (via Westpac)
Outwards AP$0.50N/ANo charge$0.50
Inwards DDNo chargeN/ANo chargeNo charge
Outwards DD$0.50N/ANo charge$0.50
Inwards paymentNo chargeN/ANo chargeNo charge
Teller Assisted*
AP ADD/CHANGE$5.00N/ANo chargeNo charge
AP Internal same memberNo chargeNo chargeNo chargeNo charge
OR Different member same CU - each time payment is made
One-off Internal same memberNo chargeNo chargeNo chargeNo charge
OR Different member same CE
One off external payment$5.00No chargeNo chargeNo charge
Account Withdrawl - by bank cheque$5.00n/aNo chargeNo charge
Inwards DD LoadedN/AN/ANo chargeNo charge
Cheque Deposit (per chq)N/AN/ANo chargeNo charge
Counter Cash WithdrawlN/AN/AN/AN/A
Counter Cash DepositNo chargeNo chargeNo chargeNo charge
Photocopying (per copy)$1.00$1.00$1.00$1.00
Internet/Mobile Banking
AP ADD/CHANGENo chargeNo chargeNo chargeNo charge
AP Internal same memberNo chargeNo chargeNo chargeNo charge
OR Different member same CU - each time payment is made
One-off Internal same memberNo chargeNo chargeNo chargeNo charge
OR Different Member same CU
One-off external$0.50No charge$0.50$0.50
Cheque Services
Cheque Book feeN/AN/AN/AN/A
Cheque Withdrawl feeN/AN/AN/AN/A
Lending fees (including overdraft)
Personal Loan application fee$120.00N/AN/A$120.00
New Home Loan application fee$400.00N/AN/A$400.00
Existing Home Loan application fee$120.00N/AN/A$120.00
Non-Standard loan fees
Registration / discharge of motor vehicle and non-motor vehicle security interest$15.00N/AN/A$15.00
Driver's license checkNo chargeN/AN/ANo charge
Credit check$10.00N/AN/A$10.00
Registering PPSR$20.00N/AN/A$20.00
Motor Vehicle check$15.00N/AN/A$15.00
Delinquent Letter
Delinquent Loan letter$20.00N/AN/A$20.00
Pre-Possession Notice$30.00N/AN/A$30.00
Repossession Notice$100.00N/AN/A$100.00
Default fee (includes cost to on sell security item)up to $10,000N/AN/Aup to $10,000
Post-Possession Notice$100.00N/AN/A$100.00
Issuing Property Law Act Noticeup to $10,000N/AN/Aup to $10,000
Security Review$30.00N/AN/A$30.00
Loan Variation Fee$120.00N/AN/A$120.00
Insufficient Funds Fees
Inward Direct Debit Dishonour$10.00N/A$10.00$10.00
Inward Direct Debit Honour$10.00N/A$10.00$10.00
Reversed Inward Automatic Payment$10.00N/A$10.00$10.00
AP Retry FeeNo chargeN/ANo chargeNo charge
Savings withdrawls
Xmas Club withdrawl period 01 Nov - 31 Jan*No chargeN/ANo chargeNo charge
Money Management Account$5.00N/ANo charge$5.00
Loan Provider Account (without 14 days' notice will use diary notes)$10.00N/AN/A$10.00
Target Account$5.00N/ANo charge$5.00
3 monthly statementNo chargeNo chargeNo chargeNo charge
3 monthly statement paper based$5.00$2.00$5.00$5.00
Interim statement faxed or emailed$5.00$5.00$5.00$5.00
Statement over the counter$5.00$5.00$5.00$5.00


Note: When the Credit Union incurs charges from any other organisation that are specific to a particular member, for example legal fees, or fees associated with the registration of securities, the Credit Union may pass such costs on to the member.