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My Credit Union

My Credit Union emerged in 2011 after a merger between Resources Credit Union and Industries Mutual Credit Union, which were both formed in 1967 to serve workers in the industrial sector.

My Credit Union is a mutual services financial provider and, as a member-owned credit union, focuses its products and services around the members it serves through home, personal and car loans, everyday, savings and term deposit accounts, debit cards, insurance and financial planning services.

Members of My Credit Union have a say in how the credit union is operated through voting rights and the ability to elect the Board of Directors.

My Credit Union Home Loan Calculator  
Interested in a My Credit Union home loan? RateCity has a suite of calculators that can show you what your repayments would be and how My Credit Union compares to its competitors. Simply plug in your borrowing amount below.

Pros:
  • Small deposit requirements.
  • Range of features to suit different borrowing needs.
  • Features that provide opportunities to repay early.
  • Availability of competitive interest rates on a number of loan options.
  • Personlised service in-branch and over the phone.
Cons:
  • Limited regional branch access.
  • Higher minimum borrowing amounts for many of the loan options.
My Credit Union customer service:

My Credit Union has branches across New South Wales providing face-to-face banking and account services within normal business hours during the week. Members have banking and account access 24/7 over the phone and through the internet and mobile banking portals. A hotline is offered in the event a card is lost or stolen within Australia, as well as 24/7 service via Visa Global Customer Assistance providing replacement cards and emergency access to cash.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch
  • Mobile banking staff

My Credit Union Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate

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Remaining loan term:

26 years and 8 months

Savings over 10 years

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How to Apply

An online form and email address is provided for general enquiries, with personalised service offered at a My Credit Union branch location as well as over the phone where assistance is offered for home loan applications. It’s worthwhile to take a close look at your finances and borrowing power before applying for a home loan and to make sure that you’re elibible for the loan you’re applying for and that it meets all your needs. For a home loan through My Credit Union, be prepared to provide the following:

  • Personal details of each individual who will be on the loan, including identification and Australian residency documentation.
  • Documents showing proof of income and permanent employment.
  • Details and documents for any loans, credit cards and expenses.
  • List of and details showing any assets owned.
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