Building or
Renovating?

Speak to a local lending specialist today

We've put a 4 on it!

Speak with our lending team today

*Comparison Rate is calculated on a typical loan amount of $150,000 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.
On expiry of the fixed rate term, the Annual Percentage Rate will be our Premium Smart Home Loan.
Offer may be withdrawn at any time. New fundings only.

Our Most Popular Services

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.

Your money goes with you

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

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.

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.

Making business easy and save time

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

Wanting to know our interest rates?

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

Planned System Upgrade

Members please note that a planned System Upgrade will occur on Wednesday 23^rd July between the hours of 10.30pm and 11.30pm AEST.

You may experience temporary interruptions to our services (e.g. Mobile App, Internet Banking and Visa cards) between these times. We apologise for any inconvenience this may cause and appreciate your understanding.

Too many decisions?

We want to make Home Loans easy to understand. Let us call you and save the fuss.

Request Call

Latest News

Notice of 2025 Annual General Meeting

21 July, 2025

Tax scams explained - and how to protect yourself this EOFY

19 June, 2025

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12 February, 2025

Get your savings in order with us

Everyday Banking

on-call

No minimum deposit
Flexibility in banking
Get started now

Investment Savings

Competitive rates
Tiered interest structure
$200 minimum deposit

eAccess Saver

Interest paid monthly
No penalty for withdrawal
Phone and Online only

Lending Specialists

Car, home, refinance, pre-approvals

Are you protecting your personal information?

Find out how you can keep your banking details safe

What our customers say

The CWCU team and service is a rare breed

Janet

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

Andrew

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

Steve

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

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

Cameron

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

Kim

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

Local is so important

Valerie

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

Elena

Love Central West Credit Union.

Rhiannon

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

Karen

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

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

Staff

$ 30 K

Community Support Annually

25 +

Building orRenovating?