Unity Credit Union

Our services

Monthly savings, low-rate loans and a yearly dividend.

Savings

Monthly contributions

Save every month

Your contribution is recorded by the administrator and you get an email receipt with your total savings.

Yearly cycle and dividend

A new cycle opens each 1 September and closes on 31 August. Members receive interest or a dividend at the end of every 12 months.

Free to exit

No partial withdrawals are allowed, but you are always free to exit the union.

Loans for members

Member loans

5%

Emergency Loan

31 days. Quick help for urgent needs. Repay within 31 days.

10%

Installment Loan

150 days. A longer loan for bigger plans. Repay within 150 days.

3%

December Special (DS) Loan

47 days. A low-rate festive season loan. Repay within 47 days.

Opens in season
3%

Easter Credit Aid (ECA)

47 days. A low-rate Easter season loan. Repay within 47 days.

Opens in season
Loans for non-members

Non-member loans (NMLOAN)

10%

Non-Member Emergency Loan

31 days

20%

Non-Member Installment Loan

120 days

Every loan needs a guarantor, who must be a UCU member. If your loan is more than two thirds of your guarantor's total yearly earnings, you add a second guarantor.