People’s Choice Credit Union dates back to 1949 and is now one of Australia’s largest credit unions. The organisation was created through the merger of Australian Central and Savings & Loans in December 2009. Member-owned, its customers get a say in how the credit union is run. People’s Choice meets the same regulatory standards as banks and provides a wide range of financial products and services, including home loans, business accounts, and savings and investment products as well as financial advice.
People’s Choice Credit Union Home Loan Calculator
Interested in an People’s Choice Credit Union home loan? RateCity has a suite of calculators that can show you what your repayments would be and how People’s Choice Credit Union compares to its competitors. Simply plug in your borrowing amount below.
- Flexible borrowing limits.
- Extended loan terms.
- Opportunity to bundle other financial products.
- Online application process.
- Broad range of home loan products.
- Must be a member.
- Limited branch access in some states.
- Slightly high interest rates.
- Ongoing fees on some accounts.
People’s Choice Credit Union has branches in Adelaide, Canberra, Darwin and Perth and regional locations in South Australia, Northern Territory, Victoria, Western Australia and the Australian Capital Territory. Members can access their accounts and funds via ATMs, mobile banking and payment apps, internet banking and telephone banking facilities, as well as Bank@Post.
- Customer service centre (phone)
- Mobile banking and payment apps
- Online banking
- Online inquiries
- Branch network
- Mobile home lenders
People's Choice Credit Union Home Loan Calculator
Cash Out Amount
Remaining loan term:
26 years and 8 months
Savings over 10 years
Savings Over Years
Estimated upfront fees
Go To Site
Savings Over Years$25.4kSavings over 10 years
Savings Over Years$14.9kSavings over 10 years
Advertised rate3.89%Fixed - 3 years
Savings Over Years$27.8kSavings over 10 years
Advertised rate3.94%Fixed - 3 years
Savings Over Years$26.6kSavings over 10 years
Advertised rate3.84%Fixed - 2 years
Savings Over Years$29kSavings over 10 years
Advertised rate4.04%Fixed - 1 year
Savings Over Years$24.2kSavings over 10 years
People's Choice Credit Union Home Loans
People’s Choice Credit Union Basic Variable Loan Variable
The People’s Choice Credit Union Basic Variable Loan offers a good deal of flexibility and a variable rate of interest for borrowers who want more control over their loan repayments.
People’s Choice Credit Union Package Loan InvestorVariableRefinancer
The People’s Choice Credit Union Package Loan is available for customers to combine with a fixed or variable rate loan.
How to Apply
To become a member of People’s Choice Credit Union, you need to complete a membership application. You can visit one of their branches, call the national contact centre or visit a Bank@Post outlet. Membership is gained by buying a share for just $2 and is open to any resident of Australia. Documents you need to apply for a home loan 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.