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The Mac home loans

The Mac, formerly the Clutha Employees Credit Union, is a credit union based in the NSW region of Macarthur which been operating since 1971.

It began to help miners gain access to financial products, but then grew to service the wider Macarthur District in the late 1970s. At that time, it took the name Macarthur Credit Union, and then later became The Mac.

Unlike banks, The Mac is a credit union, which means it is owned by members, not shareholders.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose The Mac


  • Variety of home loan products.
  • Competitive interest rates.
  • Low fees.


  • Doesn’t offer split loans.

The Mac Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

The Mac customer service

The Mac has a number of physical branches located throughout the Macarthur region. In addition to its bricks-and-mortar presence, there is also a 24/7 online banking service, email, an online enquiry form, and phone consultations and queries available Monday to Friday within business hours. You can also write to The Mac at its Camden office.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Branch

How to Apply

Applications and home loan enquiries can be made online at the The Mac website or by downloading and completing relevant documentation then posting them to The Mac Bank.  Alternately, you can visit one of the Sydney branches. When applying for a home loan, the lender may ask for the following documentation:

  • Personal identification material.
  • Proof of income and employment.
  • Information regarding debts and assets.  

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