Frequently asked questions

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Joining NZCU Baywide is free. You can join by coming into an NZCU Baywide branch. Find your closest branch here.

Or you can join online here.

When joining you will need to have at hand:

  • Two forms of original identification (not photocopies) e.g. your driver licence and passport.
  • Proof of your residential address e.g. bill or other bank account not less than 3 months old.

When you are a customer of NZCU Baywide, you become a member with access to our benefits such as:

  • Great investment rates.
  • Save money through competitive and fair loan rates.
  • Member-only discounts on third-party services and prize draws.
  • Real service - we listen to your needs.
  • Plus lots more benefits.

NZCU Baywide provides the same kind of products and services you'd find at a bank, however as a co-operatively owned credit union:

  • We are not-for-profit, we serve you, our member-owners, not outside investors
  • We are 100% NZ owned
  • Our Board of Directors are elected by you, our members
  • We educate members to help you achieve your financial goals
  • We are not a registered bank


Please find an extensive list of our interest rates here.

Please find an extensive list of our fees here.

Every loan application is individually assessed with your personal and financial circumstances taken into account. Please speak to someone at your local branch or call 0800 229 943 for more information.

Eftpos/debit cards

For lost or stolen cards please call our Contact Centre on 0800 229 943 immediately. If after hours please call 0800 800 147, or when overseas call +64 9 366 1028 (collect).

You will need to come into branch to organise a new card and load a PIN on your new card.

For lost or stolen cards after hours please call 0800 800 147, or when overseas call +64 9 366 1028 (collect).

Yes, you can use any overseas ATM that displays the Cirrus® and Maestro® logo.

You can find our list of fees here.

You can find the locations of all Credit Union ATMs here

Everyday banking

Please phone either 06 873 0099 or toll free 0800 229 9433

You can find details of all NZCU Baywide branches here

You can find the locations of all NZCU ATMs here

Important change to your statements

Reducing our carbon footprint and saving you money
From 1 April 2019 all customers will begin receiving their statements via email, unless you opt-out and choose paper statements instead. In addition to being environmentally
friendlier, email statements are also free for all customers.

From 1 April 2019 the fee will be $1.50 each month for all paper statements, including those only sent every six months (which are currently free).

Make the change now
Simply call us on 0800 229 943 or pop into your local branch to start receiving email
statements now. If you wish to continue with paper statements after 1 April 2019 please contact us to ‘opt-out’ of email statements. Visit for more details.