Rating based on 22 reviews

My Credit Union

  • Credit union loans up to $100,000
  • Low-interest starting from 3.79%
  • Repayment up to 60 months

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

About My Credit Union

My Credit Union is in many ways just like a traditional bank since they offer bank accounts, savings and term deposit accounts, home loans, vehicle finance and quick loans.

The difference is, however, that this credit union, just like any other, is owned not by shareholders but by members just like you. MYCU is not profit driven and will always use any profits to the benefit of members. This includes lowering fees,

MYCU’s website

While credit unions offer some of the cheapest credit and banking services on the market their sites and online banking platforms are sometimes behind in terms of innovation, usability and overall look and feel.

That being said, MYCU’s website is significantly more advanced and easier to use than most credit unions and they allow members to make loan application online.

Thinking of travelling?

If you’re thinking of travelling soon or often do then you will certainly find MYCU’s range of travel products and services useful. They include a multi-currency passport and travel insurance.

My Credit Union Services

Whether you’re looking to buy your first home, refinance your existing home or invest in a property – MYCU will be able to offer you a home loan to suit your needs. As a credit union, their home loan rates and fees are lower than those you’ll find at a bank.

Need a personal loan?

MYCU offer low rate personal loans that have no ongoing fees and will allow you to repay the loan early with no penalty fees.

The current going rate for their personal loans is 12.85% with a comparison rate of 13.55% per annum.  If you own a home you may qualify for their discounted personal loan which currently has a rate of 10.85%.

Vehicle finance that’s flexible

MYCU has car loans for both new and used vehicles. Their new car loan carries an interest rate of just 5.99% per annum while their used car loan carries a rate of 11.85% per annum.

If you’re looking to buy a car and need finance that won’t eat away at your entire income every month – opting to finance it through a credit union is the cheapest way to do it.

My Credit Union – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 3.79%
  • Loan Amount up to $100,000
  • Repayment 12 months to 60 months

Benefits of My Credit Union

  • Home Loans
  • Car Loans
  • Personal Loans

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 MYCU member and see the savings rush in

While credit unions typically offer the same products and services that banks do they’re often a little behind when it comes to online services.

With MYCU you can apply for an account or complete an online loan application at any time of the day or night. This will not only save you time but will allow you to take your time and conduct as much research as possible before making a big financial decision.

Fee and rate transparency

MYCU offers members and the general public a level of transparency that you’ll never receive from profit-driven lenders.

Apart from listing all the interest rates and fees that members will be charged on personal loans, credit cards and any other type of credit product they also provide guides and calculators to help you make the best and most informed decisions.

Need financial advice

If you need financial advice and planning services MYCY will refer you to one of Australia’s leading wealth creation and management companies – Bridges.

Here you can do anything from setting a budget to planning debt repayments and debt consolidation like a professional. MYCU has a strong team of dedicated staff who are all experts in their various professions and are determined to deliver the best service to people who are, like them, members of MYCU.

Customer Reviews & Testimonials

February 2019

I found myself a few hundred dollars short when going through my savings for the long-overdue vacation I had been saving for. Naturally disappointed I decided I needed to take matters into my own...

Anna F
— Rosebery —

March 2019

Personal loans at My Credit Union truly allow me to get the most for my money. With no additional charges or fees, I was able to repay my loan early when I found that I had the additional money l...

Maxine W
— Kingston —

April 2019

My Credit Union offers so many benefits to being a member. I was astonished by the amount of freedom I had in dealing with my own finances and at how much I was able to save. I highly recommend j...

Francine R
— Ulverstone —

My Credit Union Contact

Contact Number



Physical Address

  • Units 9 & 10 Homebush Business Village, 11-21 Underwood Road Homebush NSW 2140 Australia
  • Get Directions

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 –