Rates
Savings Rates

S1 Access Account $10 Bal
Part MMB* thru $100.00 = 0.00%Part MMB* over $100.00 = 0.00%*Minimum Monthly Balance
S2 Serious Saver Account
Whole MMB* thru $499.99 = 2.00%Whole MMB* over $499.99 = 3.00%Whole MMB* over $1000.00 = 4.00%*Minimum Monthly Balance
S6 Loan Provider
Rate on Minimum Monthly Balance = 2.00% 
S3 Junior Savers Account
Whole MMB* thru $499.99 = 2.00%Whole MMB* over $499.99 = 3.00%Whole MMB* over $1000.00 = 4.00%*Minimum Monthly Balance
S7 Christmas Club Account
Rate on Minimum Monthly Balance = 5.00%
Investment Rates

Term Shares - 1 month
TERM SHARES - 1 month MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 3.50%
Term Shares - 3 months
TERM SHARES - 3 months MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 4.00%
Term Shares - 6 months
TERM SHARES - 6 months MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 5.25% 
Term Shares - 9 months
TERM SHARES - 9 months MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 5.00%
Term Shares - 12 months
Term TERM SHARES - 12 months MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 6.50%
Term Shares - 24 months
TERM SHARES - 24 months MINIMUM DEPOSIT: $500Single FIXED TERM Rate = 7.89%
Aotearoa Credit Union is exempt from the requirement to have a credit rating. As such, the creditworthiness of Aotearoa Credit Union is not rated by a rating agency approved by the Reserve Bank of New Zealand under section 157J of the Reserve Bank of New Zealand Act 1989.