Rating based on 18 reviews

Goulburn Murray

  • Credit union loans up to $50,000
  • Low-interest starting from 16.40%
  • Repayment up to 48 months

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[Accessed May 26, 2023]

About Goulburn Murray

Goulburn Murray Credit Union which covers central Victoria offers individuals, couples, partners, trusts and body corporate a range of banking and lending services which include everything from everyday transactional accounts to home loans.

A well-documented history

Goulburn Murray Credit Union was formed from the merger of 6 credit unions and has a long and well-established history.

This lets you know that they won’t simply disappear overnight or let you down – they’re clearly here to stay!

Access products

Goulburn Murray Credit Union offers debit and credit cards, online and mobile banking, chequing services and so much more to members. If you’re looking for a simple, affordable and user-friendly access products and services than this credit union will meet your needs.

Goulburn Murray Services

GMCU offer the same financial products and services that any traditional Australian bank does, however, as a credit union they do without the absorbent fees and interest rates while also reinvesting any profits back into the credit union.

Apple and Android Pay

As a credit union that is always looking for ways to making the lives of its customers better, GMCU stay on top on new innovations in the industry and have introduced Apple and Android Pay.

To find out how to use this service with your Visa debit card you can visit their website and follow through the posted guides.

Loans & products

Goulburn Murray Credit Union offer home loans for individuals, couples and investors. These home loans come at competitive interest rates and flexible terms of up to 30 years.

With regard to personal loans for other uses like weddings, funerals, holidays and home renovations Goulburn Murray Credit Union offer some of the most competitive secured and unsecured loan rates with loan terms that are flexible and can be altered based on the member’s needs.

Goulburn Murray – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 16.40%
  • Loan Amount up to $50,000
  • Repayment 30 days to 48 months

Benefits of Goulburn Murray

  • Consumer or personal loan
  • Housing loans
  • Real estate loans
  • Equity access loans
  • Overdraft facilities

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 start making serious financial changes

When you make a decision to become a member of a credit union you are essentially making a decision to change your financial situation and achieve your goals and dreams faster.

From home loans to loans for weddings – you will find a range of credit products that come at significantly lower interest rates with very little or no fees.

Even your everyday transactional bank account will not be as expensive with credit unions like GMCU choosing to reduce fees to the bare minimum to help members save. In addition, choosing a credit union means you’re supporting your community and many other worthy causes such as climate change and conservation.

How to become a member

In order to become a member of Goulburn Murray Credit Union, you must complete an application and provide them with acceptable identification to verify your address and date of birth.

This application will essentially be one where you will apply for a $2 share in the credit union.

You will then be asked to provide your tax file number which will allow you to earn full interest on any accounts you may hold.  

Reliable and transparent

As with most credit unions, you’ll receive a high level of transparency and reliable service from day one.

If you’re tired of feeling like just another number in the system and want more value from your banking partner then it’s time to switch to a credit union like Goulburn Murray.

Online loan application & financial advice

Wealth management company Bridges is ready and able to provide some of the best financial advice on the planet to members of GMCU members.

With regards to everything from retirement and pensions to bank accounts and home loans – they’ve got you covered.

man holding thumbs up

Goulburn Murray is a trusted & reliable provider of credit union loans

In our review, Goulburn Murray 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.

✅ Goulburn Murray is a registered credit provider in Australia: ACL 241364

Customer Reviews & Testimonials

August 2018

When I think ‘Goulburn Murray’ I think ‘excellent customer service’. From my first dealings with them, I felt right at home. I was no longer in an office discussing deals with an employee but rat...

William S
— Swan Hill —

February 2019

Applying online was a refreshing alternative to wasted hours in long bank queues. When I ran into some questions I simply picked up the phone and a friendly employee helped me through the entire ...

Yvette S
— Devonport —

October 2018

With such a wide variety of financial options, I felt overwhelmed by my options. Never before was I able to experience such freedom in dealing with my finance. The flexibility gave me the room to...

Douglas S
— Richmond —

Goulburn Murray Contact

Contact Number



Physical Address

Postal Address

  • PO Box 860, Shepparton, 3632, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed