Make your next move with our 2 year fixed rate.

Locking in a rate to protect your home loan from rate rises over the next two years, giving you peace of mind.

2 years6.39% pa
Comparison Rate*7.11% pa
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On expiry of the fixed rate term, the Annual Percentage Rate will be our Smart Home loan rate. Minimum Loan is $75,000, Credit eligibility, Terms, conditions Fees and Charges apply. Comparison rate is calculated on a typical loan amount of $150,000.00 over a term of 25 years. WARNING This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our Most Popular Services

60 Years, 60 Rewards: CWCU Marks Anniversary with Car Loan Cashback Offer

60 years ago, we opened our doors to help get members where they’re going – and we’re still right here doing it.

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From Dreaming to Driving

With help from the lending team at CWCU Forbes, Jess secured her first car loan at just 19 and couldn’t be happier.
Ready for some new wheels? Chat with your local lending team today!

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Distance is no barrier

Sometimes getting to a branch is tricky. That’s why we have a Mobile Relationship Officer who comes right to your doorstep.

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Your money goes with you

Create a digital wallet using our range of online services so you can access your money anytime, anywhere.

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Home loans tailored to fit

Find your place to call home with our loan specialists, who will be by your side from the start to finish.

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Are you ready to go paperless?

A brand new way to view your account information, and it’s all online. It's only takes three easy steps.

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Making business easy and save time

Reduce the amount of manual work involved with your bookkeeping with CWCU and Xero's direct feeds.

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Wanting to know our interest rates?

You can find all information on CWCU comparative interest rates in one place.

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Member News

Notice of Annual General Meeting

Advance Notice is given that the 60th Annual General Meeting of Central West Credit Union Ltd (ACN 087 649 885) will be held at the office of Central West Credit Union, 269 Clarinda Street Parkes NSW, on Wednesday 11th November 2026 at 6.00pm.
 

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Too many decisions?

We want to make Home Loans easy to understand. Let us call you and save the fuss.
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Get your savings in order with us

Everyday Banking

on-call

  • No minimum deposit
  • Flexibility in banking
  • Get started now
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Grow your future

Investment Savings

  • Competitive rates
  • Tiered interest structure
  • $200 minimum deposit
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Save online

eAccess Saver

  • Interest paid monthly
  • No penalty for withdrawal
  • Phone and Online only
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Competitive loan options

Lending Specialists

  • Car, home, refinance, pre-approvals
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Are you protecting your personal information?

Find out how you can keep your banking details safe
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What our customers say

Just lovely, great at directing us and supporting what we need. As strong in business as they are in personal banking

Kim

CWCU, thank you again for your assistance and efficiency in getting our loan sorted for us!

Alana – member since 2014

Always very friendly and professional - thanks CWCU. 🙏

Ian, Member since 2008

I couldn't be without Forbes CWCU - Michelle and Kara they are the best and are so patient with me. 🙏

Helen, Member since 1991

Belonging to the credit union feels safe. I have a knowledge they take it as more than just a job.

Karen

The team are all so great - I appreciate that they truly care. I have called after hours and even then have been answered and supported and not made to feel like a nuisance. This is really wonderful in the current climate and times!!

Kerry

To the fabulous team at CWCU. Thank you for caring so much and for your help resolving our recent issue.

John & Chris, Members since 1977

The team and the service they provide - they have only ever been helpful

Cameron

Love Central West Credit Union.

Rhiannon

Online banking and the app works well for me, it just took some time to get my head around it. We have transitioned now and everything is working well

Michael

I moved over from SGB because I wanted to work with a local bank

Elena

CWCU are wonderful! Nothing is a problem for them. Better than the big banks!! 🙌

Kerry, Member since 1998

CWCU have restored my faith in banking - we have closed all other accounts

Andrew

Service and support is excellent - my card was hacked and the team proactively alerted me and helped me navigate what was a very stressful situation. I cannot thank or praise them enough

Robyn

The CWCU team and service is a rare breed

Janet

Local is so important

Valerie

Over 12 years, CWCU has helped me purchase a home, construct a commercial building and establish store in Wagga.

Steve

Connect With Us

We are Community Proud

Our communities are great places to live and work. We support the local organisations that make our communities unique.

200 +

Meals on Wheels delivered

9674

Members

24

Staff

$ 30 K

Community Support Annually

25 +

Ways to Bank With Us