Flexible loan options to help you manage debt, make big purchases, or achieve your home ownership goals.
Loans overview
Save up, spend up, or do a bit of both.Our accounts have no monthly fees and you can manage everything online.
Type of accounts
Helping our members get ahead financially for over 50 years.
Find out more about us
Open an account to become a member of a PCU and share the benefits with your whānau.
If you're part of NZDF or Emergency Services, please join here
Find out more about eligibility here.
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If you don't provide an IRD number you'll be taxed at the 'no declaration' rate of 45%.
This is income tax rate you are charged at i.e. 10.5%, 17.5%, 30%, 33% or 39%.
We need you to provide a certified copy of your Driver Licence or Passport. We will contact you shortly and provide all the information you will require to do this.
I wish to be issued a Debit Mastercard and I agree to the Debit Mastercard Terms & Conditions
I understand I'll be registered for Internet and Mobile Banking and agree to the Internet Banking Terms and Conditions, and Mobile Banking Terms and Conditions
View our terms and conditions for Debit Mastercard, Internet & Mobile Banking here
What is Police and Families Credit Union’s Credit Risk?
Deposits have risks. A key risk is that Police and Families Credit Union Incorporated (trading as ‘Police Credit Union’) does not meet its commitment to repay you or to pay you any interest that is due (credit risk).
What is Police Credit Union’s credit rating?
A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its creditworthiness). It is not a guarantee that the financial product being offered is a safe investment. A credit rating should be considered alongside all other relevant information when making an investment decision.
The Police Credit Union has been rated by Equifax Australasia Credit Ratings Pty Limited (Equifax). Equifax gives ratings from AAA through to D.
We have a long-term issuer rating of BB with a stable outlook, issued on 18 December 2025.
Read our full Credit Risk Statement at: Credit Risk Statement.
Further information about the credit risk of Police Credit Union is provided in our latest Product Disclosure Statement. This, plus other information can be found on the Offer Register at https://disclose-register.companiesoffice.govt.nz/, from our website https://www.policecu.org.nz/about-us/investor-information/ and free of charge on request at the Police Credit Union Branch Office or by calling 0800 429 000.