Ready to make a plan to be debt-free?
Looking to build good savings habits and grow your money?
Need some help to boost your first home deposit?
Want to save more for next Christmas?
Do you need help with a big purchase?
What we offer
Fee-free banking
Spending and saving accounts to get you to your goals faster, with no fees.
Home Loans
Buy your first home, refinance or purchase an investment property with support you won't get from a bank.
Personal Loans
Get a quick approval and great rate with a personal loan for just about anything you want or need.
First Home Together (shared ownership)
1 year fixed
5.09% pa
2 years fixed
5.05% 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, along with the regular home loan for the balance
- No limits on 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
4.45% pa
2 years fixed
4.45% 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
Supporting those who support our community
We're here to make a real difference to the financial wellbeing of Hato Hone St John staff, volunteers, and their whānau.
By investing and saving with PCU, you also give back to your Hato Hone St John community. We pay you competitive savings and investing rates, and your savings help provide competitive rates on loans to help fellow members buy their first home, upgrade their car, or get on top of their debt.
100% of our profits go back to creating more benefits and better services for our members. Because we don’t have to worry about making lots of money for external shareholders, we do what’s right for you.