Unity Credit Union - Lower Hutt

Welcome to Unity Credit Union - Lower Hutt, located at 2 Margaret Street in Lower Hutt, New Zealand. As an establishment in the finance industry, we are a point of interest for individuals seeking reliable money solutions. We are proud to announce that our general terms and conditions are changing to align with the introduction of same-day ("Intra-day") payment processing.

At Unity, we approach money differently. Being member-owned, any profit we generate goes back to our Unity community, ensuring that we prioritize the well-being of our members. Our range of services includes simple and smart money solutions, encompassing savings accounts, home loans, and everyday banking, all designed to help everyday Kiwis thrive.

Our focus extends beyond mere financial gain. When you choose to bank with us, you become more than just a number; you become a person we genuinely care about. As a credit union, we stand for doing money together, for the benefit of all. This philosophy is reflected in our recent unification with other Credit Union Baywide brands, including NZCU Baywide, NZCU South, NZCU Central, and ACU, under the name Unity. This consolidation has created a unified community with a shared goal of achieving great things together.

Purchasing a property is a significant decision, and even the most astute investors can find it challenging. This is especially true for first home buyers. However, with a Unity Home Loan, you can rest assured that you are in safe hands. We will guide you through the hurdles and make your dream of owning your first home a reality, starting with a deposit as low as 5%, supported by Kāinga Ora – Homes and Communities.

Saving money is made easy at Unity, thanks to our range of top-tier savings accounts and term deposit investments. Whether you have short-term or long-term financial goals, we have the tools to help you achieve them. Start saving today and take a step towards securing your financial future.

When it comes to personal loans, Unity offers competitive rates on both secured and unsecured options. Our financing solutions are quick, hassle-free, and tailored to meet your specific requirements. We understand that every individual has different financial goals, and we are here to assist you in making them a reality.

Our commitment lies in helping everyday Kiwis reach their financial aspirations, regardless of the scale. Whether you're starting with small steps or aiming for a significant change, we believe in listening to our members and providing simple, smart money solutions that empower you to be better.

Kevin shared, "Unity was the only company that gave me a chance," while Tania appreciated how we "explained the process in greater detail in a language that I understood." These testimonials highlight our dedication to going above and beyond for our members.

We are proud to have received a Canstar 5-Star rating for our orange personal loan and online saver. This recognition reaffirms our commitment to providing exceptional financial products and services.

Please note that Unity Credit Union, trading as Unity, is the product issuer. Terms and conditions, as well as normal lending criteria, apply. Home lending incurs a $350 approval fee and other associated charges, while personal lending incurs a $200 approval fee and additional fees. All rates, fees, and returns are subject to change without prior notice. For more detailed information, please refer to our current Product Disclosure Statement and other disclosure statements, available on our website or upon request.

Unity savings are shares secured by a first-ranking security over Unity's assets. To view our rates and fees, please click here. The CANSTAR 5 Star Rating was awarded in December 2021 to Unity Credit Union for Orange Personal Loans and in June 2021 for our Online Saver and Everyday Saver accounts.

Join Unity Credit Union - Lower Hutt today and experience the difference of banking with an institution that puts its members first.