First Credit Union

About First Credit Union

First Credit Union is a credit union with a rich history and a strong culture.

We've been diligently providing a range of savings and personal loan services to our member for over 60 years. As a credit union we focus on the well being of our members and strive to help them achieve their financial goals and dreams.

Operating for the Benefit of our Members

Credit unions are essentially financial and insurance providers that operate solely for the benefit of their members and at First Credit Union this is exactly what we do. We offer personal loans, car loans, insurance, savings accounts and everyday transactional accounts at a fraction of the cost you would find at a local bank.  

What First Credit Union can offer you

At First Credit Union we offer a full scope of financial, banking, savings and insurance products and services at some of the lowest rates in the country.

As a credit union member you will have access to these fantastic range of products and will be able to make your money go further - reaching your goals and making your dreams come true.

A Taste of Our Products and Services

We offer personal loans from as little as 11.99% and floating rate home loans at just 5.60%. If youre buying your first home our 1 to 2 year fixed rate home loans are ideal since you can secures fixed rates of between 4.39% and 4.99% per annum.

In a Nutshell

How to Become a Member of First Credit Union

When applying to become a member of a credit union you generally have to work in a certain field or live in a certain area but the only requirement with First Credit Union is that you be a New Zealand citizen or resident currently residing in the country.

You can apply online or come visit our offices during business hours to become a member.

A Few Reason why we're Just Better

Unlike large banks and other lenders we don’t place limits on what you can and cannot do - as long as you can afford the long or short-term credit that you are applying for you can have it! In addition, although we will look at things like your debt and credit history we will always do our best to accommodate you based on affordability rather than the past.

Eligibility & Requirements

Other Products & Services

  • Personal loans
  • Car loans
  • Home loans
  • Debt Consolidation

Contact Details

 Visit Website


 Physical Address

  • 111 Collingwood Street, Hamilton, Waikato, 3204, New Zealand

Opening Hours

  •  Monday 09:00 – 16:30
  •  Tuesday 09:00 – 16:30
  •  Wednesday 09:00 – 16:30
  •  Thursday 09:00 – 16:30
  •  Friday 09:00 – 16:30
  •  Saturday Closed –
  •  Sunday Closed –