What we offer
Life Purchases
From buying a car to planning a holiday, to celebrating milestones, our personal loans help fund life's big purchases.
Sorting debt
We've helped hundreds of members shift high-interest debt into a lower-rate personal loan to save money, reduce stress and bring them closer to debt-free.
Standard Home loans
Get deposit help, increase your buying power, fast-track your investment portfolio, or move away from the big banks.
First Home Together (shared ownership)
6 months fixed
5.09% pa
2 Year fixed
5.85% 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
Secured loans from
12.95% pa
Unsecured loans from
13.95% pa
Whether it's buying a new car, booking a holiday, doing some home renos or covering unexpected expenses, our personal loans make it easy.
- Get a quick decision
- Make early or lump sum payments without penalty
- Borrow up to $40,000 on a vehicle secured loan
Home Loans
18 months fixed
4.95% pa
2 years fixed
5.25% pa
Get a faster home loan approval than the banks and great rates when you buy or refinance with us.
- Cash contribution for loans with a minimum deposit of 20% (conditions apply)
- Purchase an investment property with only 20% deposit
- Competitive rates
Open an account with us
Spending account
Interest rate
0.05% pa*
For everyday use with a Debit Mastercard.
- $1 minimum investment
- *Interest earned on accounts with a balance of $2,000 or higher
- No monthly fees
Achiever Saver
Interest rate
0.40% pa
An on-call savings account that you can use like a spending account.
- $1 minimum investment
- Earn interest even if you make multiple withdrawals
- No monthly fees
Bonus Saver
Combined Interest rate
1.50% pa
Earn bonus interest when you make no withdrawals and deposit over $20 each month.
- $1 minimum investment
- Base rate of 0.25% pa
- No monthly fees
Christmas Club
interest rate
0.35% pa
Save for Christmas and get a bonus in November
- $1 minimum investment
- Receive a $10 or $20 bonus if you make one deposit a month of at least $20 and make no withdrawals (conditions apply)
- No monthly fees
Future Saver
Combined interest rate
1.50% pa
Designed for young people to learn the benefits of savings. Earn bonus interest when there are no withdrawals and deposit of at least $20 each month.
- For members aged between 13 and 19 years of age.
- $1 minimum investment
- Base rate of 0.25% p.a.
- No monthly fees
Become a member
Who can join?
All current, former and retired NZDF Personnel, including members of the Regular Force, Territorial Forces, civilian employees and Veterans.
Join online
Fill out our online join form to open an account and become a member. Once you're a member, you're a member for life, and your family are eligible to join us too.
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.