What we offer
First Home Loans
Get into your first home faster, with up to 10% deposit help interest free with First Home TOGETHER, our shared ownership home loan.
Personal Loans
Personal loans for buying a car, consolidating debt, a holiday or life celebrations, from 12.95% p.a. secured against a vehicle.
Term deposits
With a $500 minimum investment, get more for your money with our competitive rates.
First Home Together (shared ownership)
1 Year fixed
7.84% pa
2 Year fixed
7.39% pa
Get into your first home, faster, with our shared ownership home loan package.
- We'll put in up to 10% interest-free towards your 20% house deposit as well as a regular home loan for the balance
- No limits on your household income
- No caps on the home you can buy
Personal loans
Vehicle Secured
12.95% pa
Whether it's taking a holiday, unexpected bills, moving costs, or supporting your kids’ education - we are here to help.
- Secure your loan against your motor vehicle
- Make early or lump sum repayments without penalty
- Borrow up to $30,000 on a vehicle secured loan
- Borrow up to $10,000 on an unsecured loan
Term Deposits
6 months
6.00% pa
9 months
6.15% pa
Invest now, for the future.
- $500 minimum investment.
- Maximum combined amount of $250,000.
- Interest paid out monthly, quarterly, or six monthly.
- Reinvest on maturity.
Standard Home Loans
1yr fixed
7.24% pa
2yr fixed
6.79% pa
Already bought your first home? A standard home loan could be what you need.
- Floating, 1 year and 2 year rates available
- May require a high-LVR margin of up to 0.60% pa
Retire Easy
Floating Rate
8.94% pa
Retire Easy is our reverse mortgage loan for members 70+, designed to free up cash in your home to make retirement a little more comfortable.
- Borrow the lesser of up to $100,000 or 20% of your property value
- Lowest interest rate in NZ (as of 2 February 2024)
- No regular payments required
- Loan gets paid when you sell, move out permanently, or pass away
How to join
A credit union for members of the Defence Force and their families.
We’re owned by our members, which means 100% of our profits go back into improving our services and helping every member become better off.