Customer Reviews

"Staff were very helpful which made the transition of applying for a loan very smooth and stress free." - Helina|"Such a smooth process with a fast outcome and result we wanted. Thank you for helping us get ahead in life." - Stacey|"Very pleased to be given the chance to clean up my debt. Thank you so much for a better life for me and my children." - Tammy|"I really appreciated the down to earth approach by staff, friendly, helpful and non-judgmental." - Lou

Make it happen with a personal loan

Whether it’s a travel loan for a dream holiday, car finance for the perfect vehicle, renovation loans for fixing your home or a debt consolidation loan, make it happen with NZCU South personal loans from 9.95% p.a (lending criteria & conditions apply) today.

Apply for your personal loan online now

Try one of our personal loan calculators to see how much you can save with some of the lowest loan rates NZ-wide.


Transfer of Engagement

Credit Union Baywide held a special meeting on Friday, 15 March 2019 to accept the Transfer of Engagements by Credit Union South, Credit Central and Aotearoa Credit Union.

The Credit Union Baywide membership voted in favour of accepting the Transfer of Engagements.

Earlier in the week members of Steelsands Credit Union voted not to transfer engagements and will now not be part of the merged entity.

From now there is a six week period  of stand down and if there are no complaints to the Registrar of Credit Unions and Friendly Societies the Transfer of Engagements will now take place on 1 May 2019 to CU Baywide.

If you have any questions, please contact us on 0800 696 636 or email

Important: Subject to the proposed Transfer of Engagements to Credit Union Baywide, the General Terms and Conditions for NZCU South members have been updated and will take effective from 1 May 2019. Click here to view a copy of the updated General Terms and Conditions.

Our Product Disclose Statement will be updated accordingly.

Click here to view the latest Credit Union South Product Disclosure Statement dated 18 March, 2019

Frequently Asked Questions





Save Mail E-Statements

Savemail is an online facility that allows you to view, download and manage all of your NZCU South account statements.

For more information or to register for E-Statements please click here

If you are already registered for E-Statements click here to view your statements

Save for your next Christmas now!

With regular contributions to your NZCU South Christmas Saver account you can build a fund specifically for spending over the holiday period. Making your Christmas that much easier and even more special.

Saving just $10.00 per week will give you $520 savings annually!

If you would like to open or adjust your contribution to your Christmas Saver account, apply online today. has a Shopper Approved rating of 4.7/5 based on 909 ratings and reviews