 Select Credit Union Limited »
The members of this institution are drawn from the Sydney metropolitan area, the Central Coast and the Hunter/Newcastle region of New South Wales. Services, rates, fees, membership and loan applications.
|
 New England Credit Union »
Operates on a community bond bounded by Tenterfield, Mungindi, Armidale and Walcha, New South Wales. Offers a breadth of information including services, locations, addresses, products and ATM locations.
|
 Security Credit Union »
Located in Sydney, it provides financial services for Centrelink Staff. Describes products, services, fees and corporate profile.
|
 Comtax Credit Union Limited »
Membership is restricted to family and employees of the Child Support Agency, Australian Taxation Office, Sydney. Provides internet and phone banking, BPay and debit cards in New South Wales.
|
 FireFighters Credit Co-Operative Limited »
An industrial based Credit Union serving Firefighters and their families within the community of Fitzroy, Victoria. Offers internet and phone banking, plus the normal banking services.
|
 South West Slopes Credit Union Ltd »
Serves residents in the shires of Young, Cootamundra, Harden and Boorowa, New South Wales. Internet banking, services, loans, savings, investments, rates and branch locations.
|
 CPS Credit Union (SA) Ltd. »
Financial services for members include internet home banking and internet BPay. Offers locations and coverage in South Australia.
|
 Broken Hill Community Credit Union »
An open membership financial institution based in Broken Hill, New South Wales, which offers banking, savings, loans, fixed term deposits, insurance and financial planning. Describes products, services and membership.
|
 Bankstown City Credit Union Limited »
Offers cooperative financial services to the community of Bankstown, New South Wales, including internet banking and online loan applications.
|
 Electricity Credit Union »
Offers deposit accounts, loans and insurance and describes services, benefits and interest rates. Serves Cairns, Queensland.
|
 Maroondah Credit Union »
A Ringwood, Victoria financial institution offering a range of services including internet banking, debit and credit cards and insurance. Describes products and services, online tools and location.
|
 Illawarra Credit Union »
Membership is open to those who live or work anywhere in NSW/ACT. Describes products and services, insurance and corporate details.
|
 Industries Mutual Credit Union Limited »
Serves Health Service employees from its head office in North Parramatta, New South Wales. Offers background, news, products and services.
|
 Goulburn Murray Credit Union Cooperative Ltd. »
Offers personal and business accounts to an open membership and serves Victoria from its head office in Shepparton. Phone and internet banking, debit and credit cards plus BPay.
|
 Railways Credit Union Limited »
Offers RailNet internet banking and an array of financial services to employees and families of Queensland Rail from main branch in Brisbane. Branch office information, services, phone banking, insurance and loans.
|
 Companion Credit Union Limited »
An open bond institution in Cessnock, New South Wales, it offers normal banking functions with online banking and information on branch locations and rates.
|
 Fire Brigades Employees' Credit Union »
Employees of the NSW Fire Brigades and their families may obtain banking services, including internet banking from Sydney, New South Wales.
|
 Reliance Credit Union Ltd »
Residents of Australia may join this institution headquartered in Bathurst, New South Wales. Lists products, services, loan applications, rates, fees and service centres.
|
 Australian Central Credit Union »
Open to residents of South Australia and Northern Territory, its headquarters is in Adelaide, South Australia. Gives information about branch locations, services, online banking and BPay.
|
 Police and Nurses Credit Society »
Based in Perth, Western Australia its membership is comprised of police, nurses, teachers, Ministry of Justice, Fire and Emergency Services, Western Power, Alinta Gas and community. Lists news, rates, location guide and services.
|
 Southern Cross Credit Union »
Membership is open to residents or bodies corporate in Northern New South Wales or South-East Queensland and the main branch is in Murwillumbah. Details on BPay, net teller, Autopay, insurance and locations.
|
 Nova Credit Union Limited »
A community financial institution at Newcastle West, New South Wales, offering information on home banking, loans, interest rates and BPay.
|
 Ford Cooperative Credit Society Limited »
Provides financial services to an open membership in Victoria and New South Wales. Offers internet and phone banking plus BPay service from its head office in Geelong, Victoria.
|
 Sutherland Credit Union »
Serves residents of the Shire of Sutherland and offers details of services, membership, rates, news and fees.
|
 Berrima District Credit Union Ltd »
An open membership community banking institution serving communities in New South Wales with internet banking, loans, savings and financial planning.
|
 Summerland Credit Union »
A head office in Lismore, New South Wales serves this institution which draws members from Tweed Heads to Grafton City Limits. Lists locations, hours, services, credit cards and internet banking.
|
 Defence Force Credit Union »
Full banking services made available to all members of the Defence force, including non-uniformed personnel and other civilians. Offers online banking and credit card service.
|
 Savings & Loans Credit Union »
Membership drawn from residents of Australia, and headquartered in Adelaide, South Australia, the institution offers information on services, savings, investments and insurance.
|
 Queenslander Credit Union »
Open to state public servants and based in Brisbane, Queensland, it offers full financial services, and gives details of branch locations, net banking, rates, fees and online calculators.
|
 First Pacific Credit Union »
Offers a full range of financial services to the general public from its head office in Lismore, New South Wales, and offers service in locations in New South Wales and Southern Queensland.
|
 Lysaght Credit Union »
Financial Services provided to employees of BHP and subsidiary and associated companies from its head branch in Wollongong, New South Wales. Describes services, including ATM and credit cards, internet banking, mortgage, retirement and investment services.
|
 Telstra Credit Union »
Membership is comprised of those employed by or dealing with Teslstra Corporation, and families. From the head office in Sydney, New South Wales, it provides information on loans, financial services, interest rates and the latest newsletter.
|
 Goldfields Credit Union »
Offers membership to any Western Australian resident and serves the Goldfields/Esperance region of Western Australia. Telephone and net banking.
|
 Horizon Credit Union »
An open membership institution with branches which span the South Coast of New South Wales from Thirroul in the north to Merimbula in the south. Offers complete financial services, including phone and internet banking.
|
 SGE Credit Union Limited »
Caters to employees of the state governments of New South Wales and Victoria and maintains a head office in Sydney. Features details on membership, accounts, credit cards, mortgages and service centre locations.
|
 Encompass Credit Union Limited »
Internet and phone banking, plus BPay service are available from this open membership institution at Surry Hills, New South Wales.
|
 United Credit Union Limited »
This institution draws its membership from Victorians and Western Australians and maintains headquarters in Leederville, Western Australia. Offers a list of branch offices, description of products, services, rates and fees.
|
 Sydney Credit Union »
Main office in Greenacre, New South Wales with a residence membership bond, it offers online loan application, membership, loans, rates and fees.
|
 Credit Union Australia »
Offers complete banking services throughout New South Wales, Queensland, Victoria and Western Australia.
|
 Central Murray Credit Union »
A financial institution that provides full banking services, including online internet banking to residents in North East Victoria and Southern New South Wales.
|
 Nurses First »
A credit society serving the nursing community in Victoria, New South Wales. Describes products, services, online banking and contact details.
|
 Macquarie Credit Union - Home »
Home
- Membership bond is to the employees of local Councils, Electricity Services and Health Departments in Central and Western New South Wales from its offices in Dubbo, New South Wales. Features details on services, forms, rates and internet banking.
|
 WAW Credit Union »
This institution operates in North-East Victoria and Southern New South Wales and its business focus is national banking with international service. Headquartered in Wodonga, Victoria, it offers details of internet banking, business and personal services, branch locations and online calculators.
|
 Australian Defence Credit Union »
Offers membership to Department of Defence and Defence related personnel and provides financial services at branches throughout Australia and on Tasmania.
|
 Western City Credit Union »
A financial services provider serving Sydney's southwest, with a headquarters in Woodpark, New South Wales. Lists savings, loans, business and personal services, rates and membership.
|
 Laboratory Credit Union »
Open to residents of Australia and headquartered in Macquarie Centre, New South Wales, it offers internet and phone banking, credit cards and information on branches, hours, rates, terms and membership.
|
 The Police Department Employees' Credit Union Ltd »
Membership for employees of law enforcement and associated agencies, plus those in communities served by this institution. Lists services, locations, insurance, iBank, credit cards and rates. Head office Sydney, New South Wales.
|
 Power Credit Union Limited »
An open membership institution based in Parramatta, New South Wales. Details on access options, loans, online banking, insurance and rates.
|
 Teachers Credit Union »
From Homebush, New South Wales it offers service to teaching and ancillary staff plus families of Government Schools, TAFE Colleges and Universities. Lists services, interest rates, membership requirements and investments.
|
 Members and Education Credit Union Limited »
This financial institution offers membership to most, with some restrictions. Provides full banking services including online accounts and loan applications in Kew, Burwood and Clayton, Victoria.
|
 Manly Warringah Credit Union »
A Warringah, New South Wales financial institution offering services to those who live or work in the Manly, Warringah and Pittwater communities. Products, services, rates, fees, branches and internet banking information.
|
 Community First Credit Union Ltd. »
The membership bond includes residents of New South Wales and it provides full banking services throughout the Sydney region.
|
 Northern Inland Credit Union »
A community bond based in Tamworth, with branches in Gunnedah, Narrabri and an agency at Boggabri, New South Wales. Online banking, home and personal loans, savings, investments and insurance.
|
 Unicom Credit Union Ltd. »
Chippendale, New South Wales is home for this financial institution, owned by employees, students and alumni of post secondary educational institutions in the state. Features products, services, locations, hours and internet banking.
|
 Family First Credit Union Limited »
Open to residents of New South Wales, it offers the standard banking services, plus phone access, Giropost, Bpay and internet Bpay from Lithgow, Mudgee and Blackheath.
|
 The University Credit Society Limited »
Membership is drawn from those having to do with educational institutions. Main branch is in Nedlands, Western Australia and gives details on products, services, news, information and branch offices.
|
 PowerState Credit Union Ltd. »
Membership from ETSA Corporation, local government and organisations involved in supply of energy. Based in Adelaide, South Australia it features news, rates, fees, online banking, services and branch locations.
|
 Satisfac Direct Credit Union Limited »
Personal financial services including taxation, financial planning, conveyancing and travel for teachers, support staff and Adelaide, South Australia residents. Services, online banking, BPay and credit cards.
|
 Memberfirst Credit Union Ltd. »
Operates under a community and employment bond in Merrylands, New South Wales. Information on services, branches, rates, fees and conditions.
|
 AMP Employees' and Agents' Credit Union Ltd »
Provides financial services and online banking to AMP employees in New South Wales.
|
 South-West Credit Union Co-Operative Limited »
Serves residents of Warrnambool, Victoria and offers details of internet and phone banking, BPay, services and rates.
|
 Circle Credit Co-operative Limited »
Open to employees and family of Orica Australia and subsidiaries, the credit union offers full banking services, online and phone banking, debit and credit cards in Deer Park, Victoria.
|
 Holiday Coast Credit Union »
Residents of Australia may join this institution which offers complete banking service from headquarters in Wauchope, New South Wales.
|
 Maritime Workers of Australia Credit Union Ltd »
The bond is restricted to workers in the maritime industry and their families from its location in Haymarket, New South Wales. Lists services, products, membership, rates, news and internet banking.
|
 Service One Credit Union Limited »
A residential bond governs membership in this Australian Capital Territory institution, which incorporates The Credit Union of Canberra, Hospitals Credit Union and Snowy Mountains Credit Union. Information on rates, services and branches.
|
 Orange Credit Union Limited »
Based in the community of Orange, New South Wales it provides full financial services to residents, including internet banking and BPay. Describes services, location, history, membership, hours, rates and fees.
|
 Calare Credit Union »
This Orange, NSW institution's bond includes all residents of New South Wales and it offers internet banking, online loan applications, credit and debit cards.
|
 Pulse Credit Union Ltd »
Membership for those employed in or associated with the Victorian health industry from the head office in Melbourne, Victoria. Lists online banking and branch locations.
|
 RTA Staff Credit Union Limited »
A financial institution open to all who reside in Australia, it is headquartered in Surry Hills, New South Wales. Features details of services, rates and fees, loan applications and membership.
|
 Police Credit Union »
Head office is Adelaide, South Australia and membership is invited from all communities of South Australia and the Northern Territory. Presents a list of services including online access, BPay and credit cards, plus branch locations.
|
 EECU »
Open to any employee and families of the ExxonMobil Group of companies, it provides a full slate of banking services in Melbourne and Sale, Victoria Australia.
|
Be Patient. Processing all of the paperwork that's required for a new loan takes time. Be patient while your loan moves through the system. Protect your credit score by paying your bills and making your mortgage payments on time and not taking on any more new debt than you absolutely have to.
Homeowners who want to refinance but can't because they owe more on their home than their home is worth (also known as "upside down") should focus their time and energy on making more money. Adding a part-time job or starting a side business will bring extra income into the household, income that can be used to make extra payments a mortgage.