Rating based on 36 reviews

Macquarie Credit Union

  • Credit union loans up to $100,000
  • Low-interest starting from 10.99%
  • Repayment up to 5 years

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Macquarie Credit Union homepage
Author Macquarie Credit Union. Screenshot of Macquarie Credit Union website.
[Accessed May 26, 2023]

About Macquarie Credit Union

With over 52 years of history behind them, Macquarie Credit Union is one of Australia’s longest standing credit unions and has a reputation for being reliable.

Just last year, Macquarie Credit Union decided to allow any persons living in their general area of operation to become members – making yet another bold decision to stay relevant and keeping moving forward.

Why choose Macquarie credit union?

  • They are focused on members not profits
  • They are transparent
  • They offer guidance and assistance with care
  • They offer lower interest rates than the banks
  • They offer low or no-fee products
  • Competitive savings and investment services
  • Get everything you need including home loans and everyday accounts
  • It’s easy to become a member

Products and services offered

Some of the products and services that Macquarie Credit Union offer includes, home loans, car loans, a range of personal loans, emergency loans, credit cards, overdrafts, business loans, term deposits, savings accounts and regular transactional accounts.

Macquarie Credit Union Services

In addition to their range of home, car and personal loans Macquarie Credit Union also provides a range of insurance and savings products including a government guaranteed term deposit.

Their website has a lot of valuable and accurate information that you can use to decide on whether they are the right credit union for you and if their philosophies and products work for you.

Can you become a member?

If you’re an employee or a family member of an employee in the post, essential energy, local government council, state department or federal department, Auscott Ltd or live in one of the covered areas then you’re eligible to become a member of Macquarie Credit Union.

Apply online, in a branch or by post

Macquarie Credit Union has made it easy for people to apply to become members of this credit union. You can apply online – which is one of the easiest ways to do it or by downloading an application form and posting it to their offices.

You can also apply by visiting a local Macquarie Credit Union branch where you’ll have a service employee assist you through the whole process.

Macquarie Credit Union – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 10.99%
  • Loan Amount up to $100,000
  • Repayment 30 days to 5 years

Benefits of Macquarie Credit Union

  • Credit union loans up to $400,000
  • Interest rates are competitive and start at 6.30%

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.

Straightforward, easy and fee free banking

Get an Owner Occupied home loan from Macquarie Credit Union from just 3.69% per annum with a variable rate and an incredible 3.88% for those looking to invest.

Other fantastic rates include their debt consolidation loans which come at a low rate of 15.20% per annum.

These loans are ideal for those who wish to tidy up their finances and consolidate all their expensive debts into one easy-to-manage and easier-to-afford loan.

Car loans with a difference

Whether you’re looking to buy a new or used vehicle - Macquarie Credit Union will offer you some of Australia’s lowest interest rates and most flexible terms.

Their special car loan comes at just 7.95% (variable interest) and they also offer a used car loan for cars older than 5 years at just 13.90% per annum.

Looking for a credit card?

While some credit unions shy away from offering credit cards to members, Macquarie Credit Union offers members a competitive Visa credit card that has great introductory offers.

Business loans

If you’re looking for a business loan, look no further because Macquarie Credit Union supports local businesses and offers a secured business loan as well as an unsecured business overdraft at highly competitive rates that can’t be beaten.

Guides and calculators

In addition, they offer healthy financial advice and tips both in person at their branches and on their website. You can make use of their guides, find out more about them and make use of their various loan calculators at absolutely no cost – whenever you like.

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

In our review, Macquarie 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.

✅ Macquarie Credit Union is a registered credit provider in Australia: ACL 241132

Customer Reviews & Testimonials

September 2018

The best thing about Macquarie for me is their ability to provide an option that with suit everyone’s preferences. From being able to apply online, telephonically or in-branch to being able to ne...

Jason M
— Queenstown —

December 2018

Vehicle finance is done smarter and cheaper with Macquarie. Their rates differ according to your circumstances as well as the age of the vehicle that you are interested in. I was able to pick up ...

Shaynee S
— Stanley —

Macquarie Credit Union Contact

Contact Number



Physical Address

Postal Address

  • PO Box 1618, Dubbo NSW, 2830, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed