Click here for more information on latest scams

Doing money, together.


At Unity, we do money differently. We’re member-owned so any profit we make goes back to our Unity community. We provide simple, smart money solutions – from savings and loans, through to everyday banking – to help everyday Kiwi’s get ahead.

We’re more interested in making an impact, than just making money. When you bank with us, you’re treated like a person, not a number. Because as a credit union, that’s what we stand for - doing money together, for the good of all of us. 

All Credit Union Baywide brands including NZCU Baywide, NZCU South, NZCU Central and ACU have changed to Unity. This has created one unified community with a common goal - to do great things together. 

So join us – you’ll wish you'd done it sooner. 


Consolidate your debt and save

Are you juggling multiple credit cards, hire purchases or high-interest loans? At Unity we make it easy to roll all of your debts into one easy-to-manage monthly repayment with a debt consolidation loan. You could save hundreds of dollars on interest and pay off your debts quicker. 

Apply now

All your banking needs, your way

Personal loans from 7.90% p.a.

At Unity we help you save with great rates on secured and unsecured personal loans. Whether you're looking to cover unforeseen expenses or treat the whānau to a weekend away, we have fast, no-fuss finance to suit your needs.

Find Out More

Great term deposit rates

We make saving easy with some of the best savings accounts and term deposit investments in New Zealand. Building a nest egg? Or saving for a rainy day? Achieve your financial goals and start saving today with Unity.

Find Out More

Car & vehicle finance options

Looking to upgrade your existing vehicle or buy a new one? Our low rate car loans and vehicle financing will help you shop with confidence (and cash!). Whether it's new or used, we can get you on the road in record time. 

Find out more

Internet Banking

Register here

Helpful finance tips

Find out more

Find a branch or ATM

Find out more

"Best customer service and loans are affordable, at low interest rates." Kerry-Lee

collective logo Image

Canstar 5-Star rating

Canstar 5-Star rating has been awarded for our orange personal loan and online saver.