company logo

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. 

Borrowing Amount

Property Value

Rate Type

People's Choice Credit Union home loans rates

1 - 6 of 6
Product
Advertised rate
Upfront fee
Comparison rate*
Ongoing fee
Go To Site
Compare

More details

Compare

More details

Compare

More details

Compare

More details

Compare

More details

Compare

More details

Pros:
  • Flexible borrowing limits.
  • Extended loan terms.
  • Opportunity to bundle other financial products.
  • Online application process.
  • Broad range of home loan products.
Cons:
  • Must be a member.
  • Limited branch access in some states.
  • Slightly high interest rates.
  • Ongoing fees on some accounts.
People's Choice Credit Union customer service:

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
  • Email
  • Branch network
  • Mobile home lenders

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.

^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Compare your product with the big 4 banks, or add more products to compare
As seen on