Rating based on 32 reviews


  • Credit union loans up to $100,000
  • Low-interest starting from 6.84%
  • Repayment up to 60 months

In-page navigation

WAW homepage
Author WAW. Screenshot of WAW website.
[Accessed May 26, 2023]

About WAW

WAW Credit Union offers its members high-value banking services, great customer service and reduced interest rates and fees on everything from personal loans to everyday banking transactions.

Empowering their members

Part of WAW’s vision is to empower their customers financially by offering that which they cannot get from a traditional bank – customer orientated banking and lending services.

Looking to buy a home?

When looking to buy a home people start thinking about everything from their credit scores and budgets to where to get a mortgage and this is usually when they start looking into credit union.

When looking to finance a home doing it through a credit union can help you save thousands over the years.

WAW offers Australians a range of low rate fixed and variable rate home loans that come with many beneficial features you may not find elsewhere.

WAW Services

WAW offer flexible short-term loans that can be used for anything from a family holiday to the purchase of furniture.

If you want a low rate loan that you can pay off early without being penalized than WAW is the perfect place top get it.

Looking for an environmental loan?

WAW is a credit union that offers personal loans that can be used for any environmentally friendly purpose from installing solar panel to making your home greener in terms of energy efficiency.

Benefits of getting a loan from WAW

  • They have low interest rates
  • You pay no monthly fees
  • You can repay early or make extra payments with no penalties
  • Their loans can be either secured or unsecured
  • Option to secure against a mortgage or vehicle
  • Interest from 9.38% per annum to 13.79% per annum

WAW – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 6.84%
  • Loan Amount up to $100,000
  • Repayment 30 days to 60 months

Benefits of WAW

  • Quick and easy online loan applications
  • Reliable credit union loans
  • Choose between loan types

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.

Banking and lending – They do it the right way

With their profits being reinvested into the union to bring its members better-priced services – WAW is certainly going to save you money and help you retire early!

In addition to offering transactional accounts, business loans and a range of services and personal loans for families and individuals they also offer insurance products and great customer service.

Home loans at WAW

WAW offer an industry-leading 12-month variable rate home loan with a 1.45% discount for this period. This home loan will benefit people looking to buy a new home or refinance their current home.

24-hour loans from WAW

WAW Credit Union can have you conditionally approved for a quick loan 24 hours a day and can credit approved loans within a day as well.

Applying for membership

In order to apply for a loan or open an account, you must visit a WAW Credit Union branch near you. In addition, you must first be a member to apply.  

Branches are located in:

  • Albury
  • Beechworth
  • Chiltern
  • Corryong
  • Lavington
  • Moulamein
  • Myrtleford
  • Tallangatta
  • Walla Walla
  • Walwa
  • Wangaratta
  • Wodonga
  • Yackandandah

Making a loan application

Unfortunately, WAW Credit Union does not offer an online loan application, however, you can fill in their online personal loan enquiry form and they will get back to you.

The big picture

WAW has been very honest with regard to its mission – unlike many other credit providers who aim for rewards on specific aspects of credit products, they are to offer the best overall products which take into account everything from the interest rate and services fees to the service you will receive over the life of the loan.

man holding thumbs up

WAW is a trusted & reliable provider of credit union loans

In our review, WAW 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.

✅ WAW is a registered credit provider in Australia: ACL 247298

Customer Reviews & Testimonials

March 2019

I always knew that personal loans could be used to finance anything but I did not even consider using them for environmental purposes! I am so impressed that WAW is promoting greener energy by en...

Garth J
— Albury —

September 2018

With both secured and unsecured loan options, I was able to get the loan I needed without having to be a homeowner or own a vehicle. It is not often that you can come across good unsecured loans...

Terry S
— Myrtleford —

WAW Contact

Contact Number



Physical Address

Postal Address

  • PO Box 568, Wodonga, 3689, Australia

Opening Hours

  • not available