Our Loans at a Glance
Are you a Member without Online Access? Register for a pin so you can access our online services and apply for a loan online.
Loan Calculator
Try out our loan calculator
Maximum Loan Term :
10.48%
10.48%
10.48%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
The Benefits of Borrowing from Us
Our loans are based on your ability to repay and not how long you are a member or how much you have in savings with us
Interest is on your reducing balance, so you pay less interest with each repayment
Repayments are designed to be flexible and to meet your personal circumstances
In the event of your death, your loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you
Loan Protection Insurance, Life and Disability cover is available to eligible members
No penalty fees are charged for early repayment of loan balances
There are no hidden fees or transaction charges
Direct Debit payment from your bank and be sure of regular payments to your Credit Union account.
![Job Vacancy - MSA](/media/tl1gibkb/hiring-msa-news-pic.jpg{"src":"/media/tl1gibkb/hiring-msa-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Car Loans Demystified](/media/djqlduxq/car-loans-demystified-news-pic.jpg{"src":"/media/djqlduxq/car-loans-demystified-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Empowering Communities: The CU AHB Fund](/media/a3to0pke/cuda-pic-with-ceos.jpg{"src":"/media/a3to0pke/cuda-pic-with-ceos.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Heritage Credit Union AGM 2023](/media/wycbhw0o/agm-news-pic3.jpg{"src":"/media/wycbhw0o/agm-news-pic3.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![School Quiz 2024](/media/mixihfyq/school-quiz-2024-news-pic.jpg{"src":"/media/mixihfyq/school-quiz-2024-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Fraud Awareness Week 2023](/media/ngwbsxyz/fraud-awareness-news-pic.jpg{"src":"/media/ngwbsxyz/fraud-awareness-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Greener Homes Branch Event](/media/miips3wy/house-to-home-news-pic.jpg{"src":"/media/miips3wy/house-to-home-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Home Energy Information Event](/media/poph5gtl/home-energy-event-news.jpg{"src":"/media/poph5gtl/home-energy-event-news.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![Winners again in CX Awards](/media/wuvnu5bz/cx-awards-news-pic.png{"src":"/media/wuvnu5bz/cx-awards-news-pic.png","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
![HCU's 60th Anniversary](/media/fmvfulpe/heritage-60-news-pic.jpg{"src":"/media/fmvfulpe/heritage-60-news-pic.jpg","focalPoint":null,"crops":[{"alias":"articleImage","width":668,"height":463,"coordinates":null},{"alias":"articleImageSmall","width":326,"height":226,"coordinates":null},{"alias":"articleImageMobile","width":600,"height":300,"coordinates":null},{"alias":"relatedArticlesImage","width":300,"height":150,"coordinates":null}]})
