asked questions

Helpful answers to some common questions.

asked questions

Helpful answers to some common questions.


Joining Unity is free. You can join by coming into a Unity branch. Find your closest branch here.

Or you can join online here.

When joining you will need to have at hand:

  • A form of original identification (not photocopies) e.g. your driver licence or passport.
  • Proof of your residential address e.g. bill or other bank account not less than 3 months old.

When you are a member of Unity, you have access to our member-only benefits such as:

  • Great investment rates.
  • Save money through competitive and fair loan rates.
  • Member-only discounts on third-party services and prize draws.
  • Real service - we listen to your needs.
  • Plus lots more benefits.

Unity provides the same kind of products and services you'd find at a bank, however as a co-operatively owned credit union:

  • We are not-for-profit, we serve you, our member-owners, not outside investors
  • We are 100% NZ owned
  • Our Board of Directors are elected by you, our members
  • We educate members to help you achieve your financial goals
  • We are not a registered bank


Please find an extensive list of our interest rates here.

Please find an extensive list of our fees here.

Every loan application is individually assessed with your personal and financial circumstances taken into account. Please speak to someone at your local branch or call 0800 229 943 for more information.

If you are currently experiencing difficulties paying your loan, please call 0800 287 688 to speak to a member of our collections team.

Our team is here to assist and to work with you to come up with a suitable payment arrangement. 

If you took out Loan Protection Insurance, you may be able to make a claim.

If you meet the criteria, we may be able to make changes to your payments to enable a payment that is within your financial means.

You may be able to make a Hardship Application, please click here to find out more.

Are there organisations that can assist me with my finances?

If you need assistance with your finances, you can contact Moneytalks, they provide a free and independent service.

Freephone: 0800 345 123


Unity encourages you to make contact as soon as possible, so we can work together in an attempt to resolve the payment issues.

EFTPOS / Debit cards

For lost or stolen cards please call our Contact Centre on 0800 229 943 immediately. If after hours please call 0800 800 147, or when overseas call +64 9 366 1028 (collect).

For lost or stolen cards after hours please call 0800 800 147, or when overseas call +64 9 366 1028 (collect).

Yes, you can use any overseas ATM that displays the Cirrus® and Maestro® logo.

You can find our list of fees here.

You can find the locations of all Credit Union ATMs here

Everyday banking

Please phone toll free 0800 229 943

You can find details of all Unity branches here

You can find the locations of all Unity ATMs here

Reducing our carbon footprint and saving you money

All members receive their statements via email, unless you opt-out and choose paper statements instead which will incur a fee. 

When sending or receiving a payment from overseas, the SWIFT code identifies the receiving (recipient) bank or financial institution.

Unity's SWIFT code is: WPACNZ2W

What does this mean

New Zealand has committed to the OECD Automatic Exchange of Information (AEOI).

International tax compliance regulations have been introduced to protect the integrity of tax systems around the world. The Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS) enable the exchange of customers’ foreign tax residency information between countries and are intended to help combat global tax evasion.

Unity Credit Union, along with other financial institutions, are now required to identify, collect and report information about customers’ foreign tax residency to New Zealand Inland Revenue. Inland Revenue may then share this information with the relevant tax authority, if an agreement is held with that country.

To meet our obligations we now ask for foreign tax information when an account is first opened with us, or if you’re already a customer, we may also contact you if we think you could be a foreign tax resident.

What information do I need to provide

Unity’s obligations cover all our customers, including entities such as trusts, registered incorporated societies. Customers need to provide both the tax residency details and their ‘TIN’.

A TIN is a unique combination of letters and/or numbers assigned by a country to an individual or an entity and used to identify the individual or entity for the purposes of administering the tax laws of that country.

We will also ask you questions to ensure we have the correct personal details, such as your contact information.

Further details of TINS can be found on the OECD Website.

Who can provide this information

You'll need to provide your own overseas tax residency information to Unity, unless you're a child or have a Power of Attorney (POA). If you're a parent or guardian, you'll need to provide this information on behalf of your child. You'll also need to provide proof of your relationship to them, as well as your photo ID.

  • For children 12 years and under this information must always be provided by a parent or guardian.
  • For children 13 years and over this information must be provided by a parent or guardian if they open the account for them.
  • If you have a Power of Attorney, your POA can provide this information on your behalf.

Update my tax residency

To update your tax residency information, please complete a Self-Certification Declaration.

What will Unity do with the information you provide

Unity will hold any information received on your customer record. This information will be securely held and only be used to enable us to meet our legal obligations.

What happens if I provide Unity with incorrect information

IRD are able to penalise anyone who provides false or misleading information, or who fail to provide information.

What is a tax resident

What’s defined as a tax resident varies from country to country. For information on New Zealand tax residency you can visit the IRD website: Tax residency status for individuals ( If you remain uncertain you should speak to a tax adviser.

Further information

For more information about the international tax compliance regulations you can search “FATCA’ or ‘CRS’ on the New Zealand Inland Revenue Website.