Product Selector

 Home Loans:

1 A Rate Lock fee is 0.15% of the total loan amount and is valid for 90 days from the date of application.
2 Offset not available on Basic Variable Rate Loans.
3 0.7%p.a. discount off the standard variable rate for the term of the loan. Discount subject to verification of qualifying criteria.
4 Not available on fixed rate loans.
5 Bridging loans are only available on the standard variable rate.
6 Rate lock fee is 0.15% of the total loan amount and is valid for 90 days from the date of application.
7 Terms, conditions, fees, charges and lending criteria apply and are available on application. The interest free period applies providing the closing balance on the statement is paid in full by the due date. If repayments are not made in time to quality for the interest free period, our current interest rate will apply. Cash advances attract interest from day of transaction.
8 Loan must be split with a principle and interest loan to qualify for family guarantee.
9 To qualify for the Home Loan Package, you must have a minimum of $150,000 in a Home Loan Package or Package Line of Credit and direct your payroll to an People's Choice Credit Union account. Terms, conditions, fees, charges and lending criteria apply and are available on application.
10 Monthly fee is $8 per account, which is $96 per annum on qualifying products
11 Discount is applied to the first valuation only, full fee applies to other valuations. Valuation is only applicable for loan increases or new loans and is limited to one per year (up to the value of $250)
 

You should consider our Disclosure Documents. This information and advice is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

Insurance issued by CGU:

Insurance products are issued by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291 (CGU). For the Life and Trauma covers, CGU holds an insurance policy issued by National Mutual Life Association of Australasia ABN 72 004 020 437 AFS Licence No. 234649 a member of AMP Group (NMLA). CGU administers the Life and Trauma covers on behalf of NMLA and CGU’s liability under that policy is limited to the administration of the policy including the management of claims. This information must be read in conjunction with the Product Disclosure Statement (PDS) which set out the full details of cover plus explanations and any applicable limits and exclusions. The PDS for this product is available on request from any People's Choice Credit Union branch or downloaded from this website. You should consider the PDS in deciding whether to buy or hold the product. All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance.

Accounts:

® Registered to BPAY Pty Ltd ABN 69 079 137 518
1 Transactions include individual cheque deposit, cash withdrawals, direct debits, EFTPOS and rediATM transactions.®Registered to BPAY Pty Ltd ABN 69 079 137 518
2 Fees and charges may apply. Free transactions excludes non-rediATM, rejected BPAY® and declined electronic transactions.
3 When calculating your annual premium based upon the sum of auto transfer orders, this total annual premium may differ from our quoted annual premium due to the impact of standard rounding. Insurance discounts are only applicable on selected home, contents, motor vehicle and travel insurance policies for active Club55 account holders.

Terms, conditions, fees & charges may apply and are available on application.
CGU Insurance Limited ABN 27 004 478 371 AFSL 238291. CGU is the issuer of home & contents, motor vehicle, caravan, boat, landlords' residential property, mortgage repayement and travel insurance products.

You should consider our Product Disclosure Statements and other Disclosure Documents. This information and advice is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

Business Banking:

1 Transactions include individual cheque deposit, cash withdrawals, direct debits, EFTPOS and rediATM transactions.

Terms, conditions, fees and charges apply and are available on application.
You should consider our Disclosure Documents. This information and advice is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125, acts under an agreement with CGU Insurance Ltd ABN 27 004 478 371 AFSL 238291 (CGU). Insurance products are issued by CGU. Product Disclosure Statements (PDS) are available from CGU or delivery can be arranged through People's Choice Credit Union. When you take out a policy with the providing entities through us, the providing entities pay commission at rates which range from 0% - 30% of the base premium.

Personal Loans:

Terms, conditions, fees, charges and lending criteria apply and are available on application. You should consider our Lending Terms & Conditions and other Disclosure Documents. This information and advice is provided without reference to your personal circumstances so you should consider wether this product fits your objectives, financial situation  and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant. 

 Credit Cards:

Terms, conditions, fees and lending criteria apply and are available on application.

1 The interest free period applies providing the closing balance on the statement is paid in full by the due date. If repayments are not made in time to qualify for the interest free period, our current interest rate of 15.95% will apply. Cash advances attract interest from day of transaction.
2 Terms, conditions, fees and lending criteria apply and are available on application.
3 Some retailers may charge for using Visa card and selecting ‘credit’ when making a purchase. They must advise you of any fee to be charged before you make the transaction.
4 Available on Everyday, Offset and Line of Credit products.

You should consider our Disclosure Documents when deciding whether to hold this product. This information and advice is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.
 

Insurance:

Subject to the product issuer’s underwriting rules and acceptance guidelines.

2 Terms and conditions apply please refer to PDS.
3 For private use only.
4 Discount includes all other retail discounts and when paid by direct debit. Excludes Overseas Visitors Cover. Not available with other offers.
5 Other waiting periods including for pre-existing conditions and major dental apply.

General Insurance (including Travel Insurance) and Mortgage Repayment Insurance is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291 (CGU). For the Life and Trauma covers, CGU holds an insurance policy issued by National Mutual Life Association of Australasia ABN 72 004 020 437 AFS Licence No. 234649 a member of AMP Group (NMLA). CGU administers the Life and Trauma covers on behalf of NMLA and CGU’s liability under that policy is limited to the administration of the policy including the management of claims.
Health Insurance is issued by Australian Unity Health Limited ABN 13 078 722 568 is a Registered Health Benefits Organisation.
This information must be read in conjunction with the relevant Product Disclosure Statements  which set out the full details of cover plus explanations and any applicable limits and exclusions. The PDS can be obtained from any People's Choice Credit Union branch or downloaded  from this website. You should consider the relevant PDS before deciding whether to acquire any insurance product.
The Ezicover Insurance products are issued by Zurich Australia Limited, 5 Blue Street, North Sydney NSW 2060, AFSL No. 232510 ABN 92 000 010 195 (Zurich).  People's Choice Credit Union acts as a referrer only for these products and does not make any recommendation or give any opinion about the products. This information does not take into account of your objectives, financial situation or needs. You should consider these factors and the relevant Product Disclosure Statement which can be obtained downloaded from this website before making any decision about these products.  People's Choice Credit Union receives commission of 20% (plus GST) of each premium paid for referring you to Zurich.
This information must be read in conjunction with the Product Disclosure Statements  which set out the full details of cover plus explanations and any applicable limits and exclusions. The PDS can be obtained from any branch or downloaded  from this website.
People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL 244310 acts under agreements with CGU and Australian Unity Health (the providing entities). When you take out a policy with the providing entities through us, the providing entities pay commission at rates which range from 0% - 30% of the base premium.
This information and advice is general advice only and is provided without reference to your personal circumstances so you should consider whether this product fits your objectives, financial situation and needs. Contact us on 13 11 82 with any questions, or visit your nearest branch  to talk with a consultant.

Terms, conditions, fees, charges and lending criteria may apply and are available on application. This information and advice is general advice only and provided without taking into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to buy a product you should consider the appropriateness of it having regard to your personal circumstances. You should also consider the Product Disclosure Statement (PDS) and other Disclosure document for the relevant financial product or insurance policy. Contact People's Choice Credit Union for a copy of the PDS and other Disclosure documents.