I want better

We are all looking for ‘better’.

Especially when it comes to reaching your financial goals so you can get the things that you want while you can still enjoy them. This is where Police Credit Union can help.

So what do you want to do? We have put together a range of tips and advice to help you reach your ‘better’.

Our Products

Our Better Banking products will give you what you’ve been looking for. Whether it’s a loan rate, savings account, credit card, overdraft or insurance advice – we’ve got you covered. We also have all the financial planning advice you could want to give you a better future.

And, because we listen to our Members, our products keep getting better and better.

Better Access

Our range of better access products and services give you control of your accounts whether you’re online at your desk, on your mobile, travelling overseas or in a branch.

Learn more about having every option at your fingertips. You’ll be better off!

Security

With our Guardian Fraud Protection Service and our fraud experts, Police Credit Union is committed to providing you with a secure banking environment and to denying funding to organised crime.

Security and Protection? Who better than Police Credit Union.

News

Providing financial support and volunteering for events for charity, sporting associations, Christmas pageants and partnership initiatives are just the start of what we do under our Plant the Seed initiative.

Plus, of course, we’re constantly sharing the latest insights, tips and innovation when it comes to economic, technological and financial trends.

We’re always better, together.

About

Over our 45 year history, Police Credit Union has helped thousands of South Australian and Territorians achieve their financial goals and dreams with our range of better products and services.

Let’s get to know each other, even better.

RediATM Locator

Find your closest RediATM by searching below.

Find a branch

Want to come visit us? Search below to find your closest branch.

I want better…

Ways to Buy a House

Let us prepare you for the journey and find a home loan that ticks all your boxes. Read our Top Tips for Better Home Loans below.

Compare our Home Loans Apply Now 

Top Tips for Better Home Loans…

1. Do your field work.

    By this we mean think about the things that are important to you to have a better life.

  • Do you want to be close to shops?
  • Do you want to be close to public transport?
  • Is it important to be away from major roads?

All of these things should come into play when you are deciding on a new home or location for your new home. It’s these little details that can really make the difference.

2. Know what you can afford.

To be in the best position to make an offer when you find your perfect house, talk to us about a better home loan to suit your needs.

Going into property negotiations knowing what your budget is helps ensure you don’t get ‘caught up in the moment’. The thought of owning a new home is exciting, but over spending on what is manageable can end up with you feeling frustrated that the new home hasn’t equaled the better life you had envisaged.

It’s also a good idea to understand what type of home loan would best suit your needs.

3. Research.

Whether you are buying an established home or building a new home it’s important to do your research.

If you are buying an established home take the time to look at other homes in the area and compare the asking price or look at recently sold properties in the area including what their selling price was. This information will help you make a better and more educated decision about what your offer should be. We can provide you with FREE property research through Core Logic RP Data which will give you information on the suburb and property you are interested in. Remember when it comes to buying a house… knowledge is power.

If you are looking at building a new home, don’t budget for the standard home price, make sure you take all the finishing touches into account; flooring, landscaping, curtains, for example, are all items that often are not included in the building cost.

4. Decide what home loan suits you best.

It’s also a good idea to understand what type of home loan would best suit your needs. Fixed versus Variable can be a hard decision to make, so why not start with thinking about the type of person you are.

  • Do you like to have a budget and stick to it? If so a Fixed rate will ensure you know what your repayments will be week in, week out.
  • Will you want flexibility to pour as many funds as possible into your mortgage to help you get ahead? Then, perhaps, think about Variable for a touch more flexibility.

If you are still feeling unsure, get in touch with us and we can help you weigh up all the options.

5. Arrange pre-approval on your home loan.

This ultimately takes a lot of the stress away from purchasing a house. You know what money you ‘have to play with’ and you can confidently put an offer in on a property when you find one you love.

Call us on 1300 131 844 or drop into a branch to get that home loan… and get that house!

Compare our Home Loans Apply Now 

We're here to help you buy a house

If you’re looking to buy your first home, refinance the one you’re in, or start your property investment portfolio, we offer home loans and advice that suit your needs, better.