Rating based on 18 reviews


  • Credit union loans up to $75,000
  • Low-interest starting from 6.99%
  • Repayment up to 7 years

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CUA homepage
Author CUA. Screenshot of CUA website.
[Accessed May 25, 2023]

About CUA

In 2016 alone CUA won 9 separate awards from CANSTAR, the Money Magazine Awards and the Australian Retail Banking Awards for everything from their variable rate home loan to their everyday bank accounts.

Community engagement

CUA is also committed to participating in a number of sporting and community events and initiatives and, unlike profit-driven corporate they have a flexible and ever-changing view of what worthy contributions look like.

CUA is Australia’s leading credit union and offers a range of high-value credit products and services at lower rates than those typically offered by banks.

Financial planning with a difference

In addition to offering a range of savings, investment, banking and lending products and services you can also receive complimentary financial planning services from Bridges which will work with you on everything from retirement to estate planning.

CUA Services

When it comes to helping Australians buy, refinance, furnish, renovate and even invest in property very few if any banks will be able to match the value and service that CUA offers.

If you want to make additional payments on your mortgage – you can do so without incurring any penalties and with no ongoing fees you will save a fortune over the life of your home loan.

Personal loans from CUA

CUA offer personal loans with rates as low as 10.89% per annum with loan terms from 1 to 7 years and offer you up to $100,000.

Why Choose CUA’s Loans?

  • Repay early with no penalty fees
  • No annual fees
  • Enjoy the lowest rates in the industry
  • Save thousands in interest and fees
  • Flexible terms to suit your budget
  • Consolidate debt or go on holiday – loans can be used for a variety of purposes

CUA – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 6.99%
  • Loan Amount up to $75,000
  • Repayment 30 days to 7 years

Benefits of CUA

  • Affordable loans up to $30,000
  • Competitive interest starting from 9.89%
  • Flexible repayment terms up to 48 months

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This credit union loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Become a member and get a loan from CUA, its quick and easy

With over 3 000 rediATMS across the country for members to use and fee-free card transactions – making the choice to join CUA will change the way you do banking forever.

As a credit union – CUA is devoted to their members who are also shareholders and are allowed to join general meetings and have their say in the direction the union goes.

If you’re tired of heavy bank fees, expensive lenders and personal loans that are unaffordable – switch to CUA and begin saving thousands of dollars.

CUA members can:

  • Get a personal loan to renovate their homes
  • Get a quick loan to fund a holiday
  • Consolidate debt with a low-rate loan
  • Buy a home with an industry-leading home loan
  • Buy a new or used car with flexible and affordable loan terms
  • Open an everyday transactional account with no annual fees
  • Take out affordable and comprehensive insurance
  • Obtain foreign currency for travel, get a travel card or take out travel insurance
  • Save money with CUA’s award-winning savings and term deposit accounts
  • Complete an online loan application via their online banking to get a personal loan

Financial services & products for businesses

In addition to offering a range of products for individuals, CUA also offers commercial business loans, vehicle and equipment finance as well as everyday transactional accounts for businesses.

For instance, if you don’t need an offset facility then CUA’s variable rate home loan which carries an owner-occupier rate of just 3.89% per annum is one of Australia’s most competitive home loans.

In addition, CUA offers a range of flexible options to help any Australian buy or refinance their home from fixed rate options to their award-winning variable rate loans.

Savings and investments

In addition, CUA’s savings and investment options offer higher-than-average returns – ensuring that savings and financial prosperity are a reality for all Australians.

Specifically, their term deposit, savings and transactional accounts offer a high rate of return, and maximum value and have been awarded and recognised by the media and industry experts.

man holding thumbs up

CUA is a trusted & reliable provider of credit union loans

In our review, CUA adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ CUA is a registered credit provider in Australia: ACL 238317

Customer Reviews & Testimonials

January 2019

Their personal loans are attractive, flexible and versatile. I got the money I needed to redo my kitchen floor with some money to spare for a short weekend away. You can definitely get your money...

Francine L
— Bairnsdale —

April 2019

CUA is a financial institution that cares about its customers, the community and the environment. Their efforts to improve the quality of life of all Aussies around them is truly inspiring and I ...

Catherine S
— Bendigo —

CUA Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed