Northern Beaches Credit Union

Northern Beaches Credit Union (NBCU) provides a full range of financial products for people living in the Northern Beaches and Central Coast region of NSW including a wide selection of home loan products.

To bank with NBCU, you need to be a member, however it is helpful to know that any profits made by NBCU are returned to the business, unlike the major banks where the profits go to the shareholders.

NBCU’s products and services include:

  • Home loans
  • Personal loans
  • Overdrafts
  • Savings and transaction accounts
  • Term deposits

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

  • Flexible fixed and variable home loans.
  • Competitive interest rates.
  • No annual or monthly fees on most home loans.
  • Extra repayments and offset accounts on fixed loans.
  • Opportunity to bundle other financial products.
  • Home loans for construction or investment purposes.
  • Online application process.
  • Must be a member.
  • Limited branch access.
  • Limited fixed loan terms.
Northern Beaches Credit Union customer service:

NBCU offers a limited branch network in the NSW northern beaches and Central Coast region. Members can call the credit union from Monday to Saturday. You also have 24/7 access to your accounts via a mobile banking app, internet and telephone banking facilities. NBCU members also have access to thousands of ATMs nationally.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • NSW branches
  • Mobile banking staff

Northern Beaches Credit Union Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

How to Apply

To become a member of NBCU, you need to complete a membership application. All Australian citizens and permanent residents are eligible to apply, provided you are over 18 years old. You need to provide a modest $2 deposit as your member share. Documents you need include:

  • Personal ID.
  • Proof of income – whether you are self-employed or work for an employer.
  • Proof of other income, including rental income.
  • Information regarding existing debts, liabilities and assets.
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