People's Choice Credit Union




People's Choice Credit Union is a unique member-based arrangement for meeting its customers' financial needs. They were established in 1949, and through various mergers and ventures, People's Choice Credit Union has come a long way, giving customers an array of financial products and service options. The customers can buy stakes with the firm, and their main motto is to work with the members, fulfilling their dreams and aspirations.

  • Bank Type

    Credit union

  • Founded


  • Headquarters

    Adelaide, SA

  • Industry

    Financial Services

  • Formerly/Predecessor

    South Australian Public Service Savings and Loans Society. (F)

  • Subsidiaries

    Heritage Bank

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Pros & Cons-People's Choice Credit Union


  • Strict lending policies.
  • Signup Fees.
  • Customer Support.


  • Home Loan for Self-Employed.
  • Strict Age Restrictions.
  • High Property Value for First Home Buyers.

About People's Choice Credit Union

It is one of the largest credit unions in Australia, with its branches in South Australia, Victoria, and the Northern Territory. People’s Choice Credit Union is a 100% member-owned company that helps people fulfil their financial service needs.

The bank has created an index of housing affordability and liveability to support people who want to own a home. The People’s Choice of Housing examines suburbs to identify whether a financial institution will lend the cost of buying a home to a couple with ordinary expenses and income interested in a median-priced home in that suburb.

People’s Choice also offers an array of factors outlining whether people will be willing to reside in that suburb (liveability).

Features & Benefits of People’s Choice Credit Union

While every product and service from People’s Choice Credit Union has distinct advantages and features, as a member, you can benefit in the following ways:

  • Free Checking: No monthly fees on bank accounts.
  • Digital Banking: With People’s Choice internet and mobile banking services, you can bank from any corner of the world.
  • Direct Deposit: The bank allows you to deposit your paycheck directly into your account up to 2 days in advance.
  • Scholarships: The student members get a scholarship amount of $6,000.
  • Financial Planning: You can plan a better tomorrow by talking to the experienced executives at People’s Choice.

Services Offered by People’s Choice

The bank offers various lucrative products and services for its customers to meet multiple financial goals. Some of the most popular ones are as follows:

Bank Accounts

People’s Choice Credit Union offers various types of bank accounts so that you can save your money in the safest way possible. Some bank accounts also provide returns on investment.

Loan Products

The bank offers numerous loan products, including People’s Choice Credit Union home loans, personal loans, investment loans, car loans and more. People’s Choice Credit Union interest rates are competitive for such loan products.

Credit Cards

People’s Choice credit cards offer excellent interest-free choices on online shopping and in-store. The low-rate credit provides you with the flexibility to enjoy your wealth. Moreover, you receive an interest-free period on purchases of up to 62 days.

Protect and Cover

The bank offers a wide range of insurance to protect you from mishaps that life can throw at you at any time. You can get home insurance, landlord insurance, life insurance, vehicle insurance, travel insurance, and general insurance claims services with People’s Choice.

Travel and Foreign Currency

If you are traveling within or outside of the country, then you must plan your finances. This will help you save from any emergencies. With People’s Choice Credit Union travel and foreign currency services, you can keep track of your accounts and money while on the trip. International transfers and foreign cash are easy.

Types of Accounts in People’s Choice Credit Union

People’s Choice offers four types of bank accounts, namely —

  • Transaction Accounts: Such an account helps customers to manage their wealth easily through any of the three accounts, namely Everyday Account, Everyday Living Account, and Offset Account.
  • Savings Accounts: Consumers with savings goals can choose this option to secure their savings. Three savings accounts are Dream Fund, Bonus Saver Account, and Young Saver Account.
  • Personal Term Investment: This is one of the most secure ways to invest your money and earn interest. With People’s Choice Personal Term Investment, you can grow your savings at a rate of 4.10% per annum. Plus, there is no monthly fee.
  • Former Accounts: If you have held any account in People’s Choice, be it Club 55, Christmas Account, Activate Account, Online Saver Account, Business & Community Account, Expenses Account, or other Transaction Accounts, details of all those accounts will be found on the Former Accounts page.

People’s Choice Credit Union Opening Hours

The bank opening hours are as follows:

8 am to 8 pm from Monday to Friday 30 am to 4.30 pm on Saturday

People’s Choice Credit Union Customer Service

For any account-related queries, you can call People’s Choice Credit Union phone number by dialling 13 11 82. If you are overseas, call on +61 8 8305 8305.

For card fraud within Australia, call on 1300 705 750.

For people from overseas, you can call +61 2 8299 9534 to report card fraud.

Besides, you can also send People’s Choice a secure mail and ask your queries. Follow the steps below:

Step 1: Visit the official website of People’s Choice and log in to internet banking.

Step 2: Navigate to the menu section and click on the “Services” option and then on “Mailbox”.

Step 3: Choose to get a Push Notification or Secure Code.

Step 4: Click on ‘Compose’ and then hit send when you are done writing.

You will hear from the executive sooner, or they might also call you if you provide your contact number.

Frequently Asked Questions

How good is People’s Choice Credit Union?

It’s one of the leading banks in Australia. Therefore, if you plan to open a savings account with the bank, your money will be completely secured with the organization

Who owns People’s Choice Credit Union?

People’s Choice is a 100% member-owned bank.

How do I contact People’s Choice Credit Union?

You can either write them a secure mail through their website or call them on 13 11 82. If you are a customer from overseas, you can call +61 8 8305 8305.

How much cash can I withdraw from People’s Choice Credit Union?

People’s Choice allows you to withdraw $2,000 per card daily.

Why use us?

The customised financial services from UrbanMoney Oceania caters to the varying requirements of the applicant on their fund procurement journey.

Low interest rates

The intricate online model ensures the best interest rates are offered to the customers. The services aim to diminish the overhead costs.

Urban Money Oceania Exclusive Deals

The customers can avail of various exclusive offers available to the customers by UrbanMoney Oceania designed to cater to their budgetary needs.

Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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