Partner with PCU for Money Month
This year’s theme for Money Month for the second year running is ‘Emergency funds’.
Unexpected emergencies can happen to anyone, at any time. Whether it's a car repair, a surprise dental bill, urgent school fees, or a household emergency, these costs often arrive when we're least prepared for them financially.
An emergency fund is a financial safety net that can help reduce stress, avoid unnecessary debt, and give you more options when life throws the unexpected your way. Having even a small amount set aside can be the difference between financial panic and peace of mind.
Why you need an emergency fund:
🫥 Emergency savings make us resilient, no matter what.
💸 The more money you save, the less you’ll need to borrow in a hurry.
💳 Credit cards or overdrafts aren’t a good financial safety net, since they run up debt.
👨👩👦 Setting aside emergency money together as whānau or friends can be powerful.
How PCU can help:
1. Build your emergency buffer
If you're ready to start your emergency savings, you can open savings account with us that is away from your main bank so it's out-of-sight!
We have competitive savings rates for you and your whānau.
“I knew that if anything went pear shaped, I had money squirrelled away in my PCU account for a rainy day.”
2. Create room to save
Growing your savings can be a struggle when high-interest debt is eating into every payday. By combining your debts into one lower-rate loan, you could save on interest and free up more money each payday to put towards an emergency fund.
"The thought of getting a personal loan to pay off debt was daunting, especially for the first time. When I reached out to PCU and spoke about what I was needing a personal loan for, I was met with kindness and understanding.”
3. Get help with unexpected costs
If you’re hit with an unexpected cost that your savings won’t cover, PCU could help with a personal loan when you need it most. We’ve supported members facing everything from travel costs to attend a funeral, to urgent car repair bills.
You can trust PCU to work hard to help.
“It’s not always easy when applying for a loan because sometimes the reason for the loan is difficult personally. The staff are really good so it’s always trusted assistance.”
💙 Share the aroha
Want to help your family members get their emergency savings started? Why not let them know they can join PCU!