If you'd like to learn more about Aotearoa Credit Union, we've provided these documents for you to download.

Or you can get in touch and ask us to post a copy to you.


Download our Spring/Summer 2016 Edition ‘The Voice’

Download our Autumn/Winter 2016 Newsletter


General Terms

Download our Loan Agreement General Terms


Product Disclosure Statement

You should read a copy of this if you're investing with us.

Financial Markets Conduct Act

Aotearoa Credit Union ("Credit Union") has now moved to offer accounts to you under the FMC Act.  The Credit Union has a product disclosure statement, setting out details of our accounts.  As part of the move to the FMC Act, on 1 November 2016, the Credit Union entered into an Amended and Re-stated Trust Deed ("Trust Deed") with the Supervisor, Covenant Trustee Services Limited.

The Trust Deed updates the duties of the Credit Union and the Supervisor under the FMC Act.  A full copy of the Trust Deed is available at the Credit Union's branches.  If you have any questions, please do not hesitate to contact us.

         Aotearoa Credit Union Supervisor
       Unit B
123 Ormiston Road Junction
Auckland 2016
Covenant Trustee Services Limited
Level 6, Crombie Lockwood Building
191 Queen Street
Auckland 1010


Product Disclosure Statement (PDS 31 January 2018)

Ongoing Compliance for Offer of Redeemable Shares


Fees and Charges

2017 Fees and Charges [v.23.11] (pdf)



These are the rules for how we operate  (Dated 15 November 2016)

Download rules (PDF)

Financial Statements

View our audited final accounts for the past two financial years.

Download audited financial statements 2016 (PDF)

Download audited financial statements 2015 (PDF)


Non Bank Deposit Taker Licence