At NZCU Baywide, we're not on your back, we're on your side! As a 100% locally owned, New Zealand financial cooperative, we're not your typical bank or finance company obsessed with profits. Instead, we're all about New Zealanders just like you! And why wouldn't we be: we're owned by the people, and work for the people. Originally established in 1971, we have a long history of helping our members meet their personal financial goals and live their best financial life. That's why we offer a selection of personal loans, debt consolidation loans, car and vehicle financing - among others - at some of the lowest interest rates found in New Zealand. Since those days back in '71, we've grown to 16 branches throughout the central and lower North Island, while still managing to maintain our core values despite the size: friendly, informative staff, great service, and leading services, priding ourselves on our ability to take the time to respond to you and your individual needs when you need us the most. Better yet, all of our profits - outside of operating costs and reserves - are filtered back through to our customers in the form of low interest rates on our variety of loans, as well as the amazing rates on our selection of everyday, general and savings accounts. So whether you need a loan for a holiday, finance for a new car, insurance for your home and contents or if you're just looking to consolidation your debts, drop by a local NZCU Baywide branch and chat with our friendly team who will help you understand the benefits NZCU Baywide can provide. 5 Benefits Of Joining NZCU Baywide Great investment rates. Save money through competitive and fair loan rates. Customer-only discounts on third-party services and prize draws. Real service ; we listen to your needs. Great customer service Our Services & Specialties Term Investments Savings Accounts Personal Loans Debt Consolidation Insurance Home Loans Everyday accounts Vehicle & Car Loans