What we offer

Get started

We make saving easier with our attractive savings rates, competitive term deposits and fee free accounts.

Term Deposits

Life Purchases

From buying a car to planning a holiday, to celebrating milestones, our personal loans make it easy to fund life's big purchases.

Apply for a loan

Home Loans

Get deposit help, increase your buying power, fast-track your investment portfolio, or move away from the big banks.

Home Loans

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 becoming debt-free.

Apply for a loan
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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
First Home TOGETHER in detail
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Personal Loans

Secured loans from

10.50% 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
More about personal loans
FHT Sort Money

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
Home Loans

Becoming a member

Who can join?

All current, former and retired Police employees, and their extended family.

What we offer

Fee-free banking, competitive rates, and a team that will work hard to help you reach your financial goals.

Join online

Fill out our online join form to open an account. Once you're a member, you're a member for life, and your family are eligible to join us too.

Supporting those who serve

We're here to make a real difference to the financial wellbeing of Police and their families.

By investing and saving with PCU, you also give back to the wider Police family.

We pay you competitive saving 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 their debt sorted.

We're different from a bank because:

  • We're owned by our members and do what's in their best interest, not what will make us the most money.
  • 100% of our profits are invested back into the benefits we offer members.
  • We go out of our way to help members and do what we can to make them better off.
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Member stories

"I'm truly grateful to the Police Credit Union for helping me during a very stressful time. I urgently needed to consolidate my debts, which they were able to do before Christmas last year. I love the service and would absolutely recommend."

"Nothing is ever a problem. The staff are always helpful and the service is excellent. I've been a member for many years. My wife and great grand-children also have savings accounts and term deposits with the Credit Union."

"I’ve found the Police Credit Union to be the perfect place to squirrel away funds for a rainy day or projects. I've also had a personal loan with them and at the time it was a life saver."

The fine print

Normal lending criteria and a $100 establishment fee apply to all new loans.

See our Terms, Conditions, and Loan Agreements.