Free account and card

With no account or card fees, our Debit Mastercard can be used with our spending account for shopping online and anywhere that accepts MasterCard. Kids can have their first card when they turn 13!

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Benefits for babies

Open a kids savings account before they blow out their first candle, and we’ll pop in $100 to start them off!

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Growing your savings

Perfect for “out of sight, out of mind” savers. Our savings accounts help members squirrel money away outside of their main bank.

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Building your Investments

Our term deposits have a low minimum starting amount of $500 to lock in rates and get more for your money.

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Growing needs (and wants)

First car, dream trip, life milestones or consolidating pesky debts, our personal loans have great rates and can be used for just about anything.

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Buying your first home

First Home TOGETHER, our shared ownership package, helps bump a house deposit from 10% to 20%... and it’s interest free!

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Next home loan

Whether you're upsizing, relocating, or refinancing, we're here to help with competitive rates and could offer a cash contribution for new home loans with a minimum 20% deposit.

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Retiring Easy

Our reverse mortgage helps members 67+ live the retirement they deserve with the best rate and lowest fees in NZ as at 19 May 2025. Plus, unlike other providers, we only charge interest once a year.

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