Australian Central Credit Union

Australian Central Credit Union - People's Choice Credit Union
People's Choice

Australian Central Credit Union Ltd (trading as People's Choice Credit Union) is one of the largest mutual financial institutions in Australia with more than 405,000 members and about 900 employees. It offers a full range of financial products and services to personal and business customers through a network of about 50 branches and advice and home loan centres in South Australia, Victoria, Western Australia, Northern Territory and ACT (Australian Capital Territory). The company provides transaction, savings and investment accounts, business accounts, personal and home loans, business lending, mortgage refinance, car loans with competitive interest rates, Visa debit and credit cards, pensions and retirement planning, self-managed superannuation funds (SMSFs), phone and internet banking, mobile banking app, great foreign exchange rates and more. Fast payments with Samsung Pay, Apple Pay, Google Pay, Garmin Pay, Fitbit Pay and Visa payWave are available. The company also offers affordable insurance products such as home, contents and car insurance, business, farm and landlord rental property insurance as well as motorcycle, boat, caravan, travel, life and health insurance. It has been named the country’s best credit union by Roy Morgan and best customer-owned financial institution for first-time home buyers in Victoria, South Australia and Northern Territory by Canstar. For the year ended 30 June 2022, Australian Central Credit Union recorded total assets of $10.4 billion, member loans of $8.8 billion, retail deposits of $7.7 billion and statutory profit before tax of $19.7 million. The company was established in 1949 and is headquartered in Adelaide.

In summer 2021, People's Choice entered into discussions with Queensland-based Heritage Bank to explore the possibility of a merger. In March 2023, People’s Choice Credit Union merged with Heritage Bank to form Australia’s leading customer-owned financial institution.

Currently, People's Choice Credit Union is a trading name of Heritage and People's Choice Ltd.

Head office address:
50 Flinders Street
Adelaide, SA 5000

Opening Hours:
Monday - Friday, 9:30 am - 4 pm
Saturday, Sunday - Closed

Phone number: +61 13 11 82
Overseas Call: +618 83058305
BSB number: 805 050
ABN: 11 087 651 125