Products & Services
The New Zealand Association of Credit Unions provides the following products and services to its Member Credit Unions so they can offer the best in personal banking to their communities.
Everyday Banking products
Everyday Account
This is a straightforward, flexible account that lets you bank how you want, when you want, as often as you want. You’ll have unlimited access to your funds using Accesscash® ATMs, Accesscard, Accesstxt® as well as Accessphone, Accessweb and branch deposits and withdrawals.
BillPay Account
Billpay is an easy way to budget for bills. Money can be transferred automatically from an account into your Billpay free of charge, keeping bill money separate from other accounts. With Billpay it is also easy to set up automatic payments and direct debits.
Online Oncall Account
An Online Oncall Account where you can arrange payments to another account anytime via the internet.
Ways to Bank products
Accesscard
One of New Zealand’s most widely accepted ATM/Eftpos cards. Accesscard can be used locally and internationally to purchase goods and withdraw cash 24 hours a day, 7 days a week.
Accesscredit®
A secure pin-based card providing access to a line of credit 24 hours a day, 7 days a week at ATM/Eftpos locations locally and overseas.
Bfree®
Bfree® is an everyday account specifically for 11-18 year olds with incentives to encourage them to save and manage their money.
Accessweb
Internet banking is the easiest way to view account balances and transactions, pay bills and transfer funds online – in your own time, from anywhere in the world
Accessphone
You can do most of your transactions over the phone using Accessphone 24 hours a day, 7 days a week. It is fast, convenient, and secure.
Accesscash
With ATMs nationwide, Accesscash is a quick and easy way to withdraw cash and check your balances.
Accesstxt®
Pay your bills, check your savings, loan or investment account balances or transfer funds between your accounts from your cell phone.
Savings products
Goal Saver
Goal Saver is an account designed to help you save for any specific purpose - car, phone, new clothes or holiday. Goal Saver will help you get there.
Loyalty Saver
Enjoy the best deal on loans by starting a Loyalty Saver. Loyalty Saver demonstrates your ability to save regularly and you can use your savings as collateral if you need to get a Credit Union loan. So, the more you save in your Loyalty Saver, the lower your loan interest. Save now for easy access to affordable loans.
Success Saver
For serious savers the Success Saver earns high interest on call. Interest is calculated daily, credited to your Success Saver account monthly and compounded. Tiered interest rates reward you for regular savings.
Christmas Saver
Take the stress out of Christmas and make it even more special. Deposit regular amounts into your Christmas Saver throughout the year and afford those special things you want over Christmas. Free cash withdrawals and transfers are available from your Christmas Saver at the end of the year.
Credit Union KiwiSaver – long-term retirement saver scheme
An attractive range of retirement savings options are offered by Credit Unions including the Credit Union KiwiSaver scheme. The Credit Union KiwiSaver scheme is a government plan to help you save money for your retirement. There are a range of membership benefits such as a $1,000 tax-free government contribution to your KiwiSaver account and subsidised fees. So, if you’re under 65 years consider this attractive option. Start as early as you can – even young children can have a KiwiSaver account. You may also be eligible for tax credits of up to $1,040 per year.
Jimmy J Junior Savers Club
Give your children a headstart for a bright future with good savings habits – make them a part of the Jimmy J Junior Savers Club. This is not just an account, as your children get to be part of a cool club with other Junior Savers. They will receive a moneybox, a card on their birthday and other rewards along the way to becoming a Junior Saver. Your child can direct credit small amounts from job earnings or make a free transfer of as little as $1 a week from their parents’ or grandparents’ Credit Union account.
Investment products
Term Deposit
Make the most of your hard earned savings with our flexible and competitive Term Investment options. Our competitive interest is calculated on a daily basis and can be paid at regular intervals (conditions apply) or on maturity to any account of your choice. Plus, as an investor you are advised of your options prior to maturity, including reinvesting for a further term.
Loans products
Personal Loan
You can use your Personal Loan to pay for just about anything – travel, debt consolidation, home improvements, a new car - with affordable repayments.
Insurance products
Loan Protection Insurance
Comprehensive loan protection insurance which includes life, disability, redundancy, trauma and bankruptcy cover. You can choose to have life insurance only or a combination of other components. It’s a sensible step to take to protect yourself and your family in the event of the unexpected happening.
Funeral Insurance
The death of a loved one is very emotional time. Yet, there are many practical things to deal with such as funeral costs and other bills to pay. Funeral Insurance will give your family peace of mind at a difficult time and ease their financial worries. Talk to us about a plan that’s right for you.
Life & Income Protection Insurance
This is an easy to arrange term life insurance cover with many optional extra benefits including trauma, sickness and accident cover. With a few simple steps, we can also provide you with income replacement insurance.
Home & Contents Insurance
For most New Zealanders – our home is our most valuable asset. Sadly, though, only 55% of us are adequately insured to prevent real financial losses in the event of a claim. Selecting the right amount of cover is important. Knowing just what you are covered for is critical – and will save heartache should the unexpected happen. We know that your insurance requirements are as varied as your tastes in decorating! That’s why we provide different levels of cover.
Vehicle Insurance
Buying a car is a big decision, particularly if you are taking out finance to purchase the car. Vehicle Insurance provides you with comprehensive protection if:
> your vehicle is involved in an accident regardless of who is at fault
> your vehicle is stolen
> your vehicle is damaged or destroyed by fire
> your vehicle is maliciously damaged
> your windscreen breaks.
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