Rating based on 8 reviews

Macarthur Credit Union

  • Credit union loans up to $100,000
  • Low-interest starting from 5.99%
  • Repayment up to 10 years

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Macarthur Credit Union homepage
Author Macarthur Credit Union. Screenshot of Macarthur Credit Union website.
[Accessed July 24, 2023]

About Macarthur Credit Union

At Macarthur Credit Union, your financial success is a priority.

As a leading financial institution in the vibrant Macarthur region of New South Wales, they’re dedicated to providing accessible, affordable and member-focused financial services that make a real difference in people's lives.

They strive to guide you through every step of your financial journey, helping you achieve your goals and secure a prosperous future.

Putting members first: A cooperative approach

Unlike profit-driven banks, Macarthur Credit Union operates under a cooperative model where their members' needs come first.

Their vision is rooted in the principle of "people helping people," ensuring that every decision they make is in your best interest. When you join Macarthur Credit Union, you become part of a community where financial well-being is the common goal and your success matters.

Unparalleled personalised service

Experience the difference that personalised service can make in your banking experience. At Macarthur Credit Union, they understand that each member has unique financial circumstances and aspirations.

Their dedicated team of professionals is committed to providing tailored solutions that meet your specific needs.

Whether you're looking for a reliable transaction account, a competitive home loan, or comprehensive financial advice, they’re there to guide and support you every step of the way.

Community empowerment: Investing in local growth

Macarthur Credit Union is deeply rooted in the Macarthur community, and their commitment to community empowerment sets them apart. They believe in giving back and actively contributing to the growth and prosperity of the region.

Through sponsorships, community event support, scholarships and grants, they help create opportunities and foster a sense of belonging among their members.

When you choose Macarthur Credit Union you become part of a financial institution dedicated to the betterment of the community.

Modern technology for your convenience

Embrace the convenience of modern banking technology with Macarthur Credit Union. Their online and mobile banking platforms empower you to manage your finances easily - anytime and anywhere.

Stay connected and in control of your money with features such as secure transactions, 24/7 access to account information, and convenient bill payments.

They believe that banking should be effortless, allowing you to focus on what truly matters—your financial well-being.

Beyond banking: Comprehensive financial solutions

Macarthur Credit Union goes beyond traditional banking services to provide comprehensive financial solutions.

They also offer financial planning, insurance options and exclusive rewards programs. Experience the peace of mind of knowing that your financial needs can be met under one roof.

Join the Macarthur Credit Union family

Discover the warmth of a community-driven institution that genuinely cares about your financial well-being.

Macarthur Credit Union invites you to join their family and experience the difference of a cooperative, member-focused approach.

Macarthur Credit Union Services

At Macarthur Credit Union, they’re committed to providing exceptional financial services to their members.

With a wide range of plans and products designed to meet various needs, they can help you achieve financial security.

Reach your financial potential with Macarthur Credit Union

Home Loans: Find your dream home

General features:

  • Competitive interest rates
  • Flexible repayment options
  • Low deposit requirements
  • Loan pre-approval
  • Professional guidance throughout the process
  • No ongoing fees
  • Additional benefits such as financial planning services or discounted insurance
  • First home buyer loans: Take the first step towards homeownership with competitive loan options and expert guidance.
  • Upgrader loans: Upgrade your home with their flexible loan solutions.
  • Investment property loans: Explore investment opportunities with their loan options designed for property investors.
  • Construction loans: Build your dream home from the ground up.

Personal loans: Achieve your dreams

General Features:

  • Competitive interest rates
  • Flexible loan amounts and repayment terms
  • No ongoing fees
  • Additional benefits such as optional loan protection insurance
  • Personalised assistance and guidance
  • Car loans: Whether you're buying a new or used car, they offer affordable loan options to help you hit the road.

Savings and transaction accounts: Secure your finances with Macarthur Credit Union

General features:

  • Convenient access to funds through ATMs, EFTPOS, online banking, and mobile banking
  • No monthly account-keeping fees
  • Visa Debit card for easy and secure transactions
  • Unlimited electronic transactions (e.g., direct debits, transfers, and BPAY)
  • Overdraft facilities (subject to approval) for added flexibility
  • Ability to set up scheduled payments and recurring transfers
  • Free and unlimited access to the Macarthur Credit Union branch network for in-person transactions
  • Option to link accounts for easier fund transfers and management
  • Additional features may include round-up savings programs, budgeting tools, and loyalty rewards.

Credit cards: Convenient and flexible spending options


  • Competitive interest rates and annual fees
  • Wide acceptance globally through Visa or Mastercard networks
  • Predetermined credit limit
  • Contactless payments for quick and easy transactions
  • Online and mobile banking access
  • Reward programs offering points or cashback on eligible purchases
  • Security features like fraud protection and purchase protection
  • Flexible repayment options, including full payment or minimum monthly payments
  • Additional benefits such as travel insurance, extended warranties, or concierge services (depending on the specific card type)
  • Add additional cardholders for shared account access

Macarthur Credit Union provides financial services that cater to your unique needs. Start your journey towards financial success.

Macarthur Credit Union – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 5.99%
  • Loan Amount up to $100,000
  • Repayment 1 year to 10 years

Benefits of Macarthur Credit Union

  • Online pre-approval
  • Early repayments
  • Access to a free redraw

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.

Join The Macarthur family: Applying for membership is a breeze

Becoming a member of Macarthur credit union is the first step towards unlocking a world of financial opportunities. With their simple and hassle-free application process, you can join the Macarthur community and gain access to a range of products and services designed to meet your financial needs.

Step-by-step guide: Applying for membership

1. Gather the required documents

Before you begin the application process, make sure you have the necessary documents available. This will help streamline your application and ensure a smooth and efficient process.

The documents you will need include:

  • Proof of identification: Your passport, driver's license, or other government-issued identifications.
  • Proof of address: Provide a recent utility bill, bank statement, or official document that shows your current address.
  • Proof of income: Depending on your employment status, you may need to provide payslips, tax returns, or other documentation that verifies your monthly salary.

2. Visit their website

To start your application, visit their website. All the information you need to become a member is available there.

3. Select the membership type

They offer various membership types to cater to different individuals and communities. Choose the membership type that best suits your eligibility and needs. Whether you're an individual, part of a specific community or an employee of a particular organisation, they’ve options for you.

4. Fill out the online application form

Once you've selected your membership type, complete the online application form. Provide accurate and up-to-date information in the relevant fields, such as your name, contact information, and employment details. Ensure that all fields are complete before proceeding.

5. Upload the required documents

After completing the loan application form, upload the required documents. Do this by scanning or taking clear photographs of each document. Make sure the documents are legible and accurate to avoid any delays in the processing of your application.

6. Review and submit

Before submitting your application, take a moment to review all the information provided. Double-check for any errors or missing details. Once you’re satisfied with the accuracy of the application, submit it for review.

7. Await membership approval

After submitting your application, Macarthur Credit Union will review your information and assess your membership eligibility. This process may take some time, but you will receive a response as soon as possible. Ensure that you’ve provided accurate contact information so they can reach you with the outcome of your application.

Applying for membership is simple

Joining the Macarthur family gives you access to numerous financial products and services to meet your needs while being part of a community-oriented credit union. Start your journey towards financial success with them today.

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Macarthur Credit Union is a trusted & reliable provider of credit union loans

In our review, Macarthur Credit Union 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.

✅ Macarthur Credit Union is a registered credit provider in Australia: ACL AFSL 239933

Customer Reviews & Testimonials

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Macarthur Credit Union Contact

Physical Address

Opening Hours

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