Queensland Country Credit Union (QCCU) is an independent, customer-owned organisation. It was born in Mount Isa in 1971 as the Isa Mine Employees' Credit Union but over the years has grown through its desire to help all Queenslanders with their banking and lending needs. At present, it boasts almost 60,000 members and 23 branches throughout the wider Queensland state.
QCCU is regulated by the very same authority as the major banks and offers the same government guarantee to secure members’ deposits. But unlike the big banks, it exists to provide members with better banking products and fairer banking, not to line the pockets of shareholders. Most of the savings deposited with the credit union are loaned back to customers.
Community development and personal growth matter to QCCU, which is why it contributes to the communities it operates in through local sponsorships, as well as by partnering with community groups to help in raising funds and through its Community Grants Scheme.
Customers living in Queensland can seek face-to-face advice in one of Queensland Country Credit Union’s numerous branches and member service centres in the state. Alternatively, you can call QCCU’s customer service centre to speak to an adviser. Enquiries can be made online via the website or email. QCCU also has a mobile app and offers online banking services 24/7. And no matter where you are located in Australia, you can access your funds using Westpac’s free ATM network.
Queensland Country Credit Union offers a wide range of products including home loans, personal loans, transaction and savings accounts, credit cards, and insurance products. As for home loan products, it offers a range of flexible options for you to choose from, with competitive rates and great features including an offset account, ability to make extra repayments, automatic repayment option and package benefits.
To apply for a Queensland Country Credit Union home loan, you will need to provide the following documents:
- Personal ID including birth certificate, passport, drivers licence, etc
- Income details – payslips, income tax returns and assessments; most recent tax returns, profit and loss statements and balance sheets for the past two years for self-employed applicants
- Account statements
- Details of any assets you may own – including property, vehicles, life insurance, etc
- Records of any liabilities you may have – such as credit card statements or statements for existing loans
If you have already started to purchase a property, you may be asked to provide the following:
- Copy of the Contract of Sale
- Copy of your receipt for the deposit paid
- Copy of plans and specifications
- Building quotes