Important Information

Fees and Interest Rates

Westforce Credit Union levies certain fees and charges to help us cover costs and maximize the returns to our members.

As a Credit Union, we pay several fees and charges relating to the offer of shares, legal & accounting fees, bank fees, operating costs (such as rent and paying our staff), general administration & management charges, as well as printing and advertising costs.

Westforce Credit Union reserves the right to, at its absolute discretion, vary the types and level of any fees and charges payable by members from time to time.

We may charge less for some of the listed fees, but never more.

Products and Services

Westforce can provide you with information about our products and services so that you can make a decision whether to take advantage of them.

As a non-QFE, we cannot and do not provide any financial advice, in terms of a recommendation or opinion in relation to whether or not you should use any products, services or their suitability for you.

To view our latest Audited Financial Statement and Credit Union Rules click here, and search offers by entering Westforce.

Disclosure Statements

Credit Unions are not Registered Banks, but like banks, are supervised by The Reserve Bank of New Zealand as non-bank deposit takers. Westforce Credit Union’s deposits are secured by a first ranking Trust Deed. Westforce is exempt from requiring a Credit Rating and is licensed with the Reserve Bank of New Zealand as a Non-Bank Deposit Taker. The replacement Product Disclosure Statement is dated 22 January 2021 and supplementary documents on the website were last updated 22 January 2021

Westforce Lending

Lending decisions are very important and often have long term effects and/or consequences. It is important to read all documents carefully, ask questions and seek advice before committing yourself.

Credit Risk Statement

Deposits have risks. A key risk is that Westforce Credit Union (Westforce) does not meet its commitment to repay you or to pay you any interest that is due (credit risk).

No Credit Rating

A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its creditworthiness). It is not a guarantee that the financial product being offered is a safe investment. A credit rating should be considered alongside all other relevant information when making an investment decision. Westforce is exempt from the requirement to have its creditworthiness assessed by an approved rating agency. This is because the Deposit Takers who fall below certain thresholds are exempt from having to get a credit rating. This means that Westforce has not received an independent opinion of its capability and willingness to repay its debts from an approved source. Further information about the credit risk of Westforce is provided in the PDS and the offer register. To view our latest Product Disclosure Statement click here Disclosure site, and search offers by entering Westforce.

Privacy Policy

Collection and usage of personal information

The information that Westforce Credit Union collects about you is dependent on how you use the facilities offered by the Westforce Credit Union website. Any personal information collected from the Westforce Credit Union website will be treated in accordance with the Westforce Credit Union Privacy Statement. We will not submit online application forms or online surveys without your consent.

The personal information is used

  • To provide our products and services and administer our relationship with you
  • to provide our products and service to you, including communicating with you about any changes to our product and services;
  • to provide customer support, including contacting you to offer assistance with online applications (including those you do not complete)

Purpose of Collection of Information

When members use the Westforce Credit Union digital applications ( and the Westforce Android & IOS mobile applications, the company may collect personal information about them. Westforce may use, share or disclose the information for the purposes as set out in this policy.

Collection of some personal information from digital users is required when they use certain parts of available our digital applications. The company shall however endeavour to not collect more personal information than is necessary and shall further endeavour not to violate the human rights of the digital users while gathering such information.

Westforce will collect Identifying information only where it is required and to the extent necessary for the purpose.

What Information does Westforce Collect

When you use the Westforce digital applications, you may do so without disclosing any personal information to us. We may ask you for some personal information if you use certain parts of our digital applications for example online Log In or the Contact Us form.

Westforce may also collect statistical data about your visit to our digital applications. This information is non-personal, aggregated and may include:

  • your IP address;
  • the device you used;
  • the pages you access and the links you clicked on;
  • your operating system;
  • the type of web browser you used;
  • the date and time you visited the digital application;
  • the search terms you used (if any);
  • your device IMEI number;
  • your device MAC address.

Westforce may collect personal information from a member who uses the online member portal as part of identification, verification, auditing, the provision of secure online access, the provision of member account services, offerings products and support services as well as for risk control purposes related to fraud prevention & detection and in compliance with the laws & legislation that governs Westforce. Westforce cannot provide online member portal functionality and benefits without collecting the required personal information.

How Westforce Collects and Uses Information

Most of the personal information that Westforce collects about a digital user is collected directly.

We shall however endeavour to not collect more personal information from digital users than is necessary and also not collect Identifying information where it is not required.

Reasonable steps will be taken to inform the digital users about:

  • the fact that the information is being collected
  • the purpose for which the information is being collected
  • the intended recipients of the information.
  • Whether providing the information is compulsory or voluntary
  • What will happen if the information is not provided

Storage and Security of Information

Where Westforce holds personal information about you, the information is stored as paper files or electronically in secured data storage facilities located in New Zealand or overseas and either owned by Westforce or by our service providers.

Westforce uses a range of security measures to protect information from loss and unauthorized access, use, modification, or disclosure.

These measures include:

  • Controlled access to systems and information through auditable user access management and identity verification.
  • Training Westforce staff on information security.
  • Westforce policies on information security and confidentiality of information that bounds all employees to act in accordance with these policies.


Cookies are small text files that are sent to and stored on the hard drive of your device. Cookies are generally used to improve your experience while using a digital application by remembering your preferences and may also be used to track usage of digital applications.

For visits to and use of our digital applications that exclude online Log Ins, Westforce does not collect any personally identifiable information. We may use cookies in this regard to collect information and trends relating to the use of our digital applications by using a tool called Google Analytics. Information collected in this way is for statistical analysis purposes to help us improve our digital applications.

You can view the Google Privacy Policy and access the Google Analytics Opt-Out Tool online at Google Privacy Policy. You may also manually disable cookies directly in your browser through your browser’s “Help” options. Disabling cookies will not affect your ability to use the Westforce digital applications unless you log into the member portal.

Westforce may use cookies when a member logs into the member portal in accordance with our online security measures to verify and conduct essential security checks as part of our commitment and responsibility to maintain the security of our member accounts.

Web Analytics

We use Google Analytics to anonymously measure activity across our website. Google Analytics records information about visitors and what they do which we use to improve the user experience of our websites, Internet Banking, application forms and online tools. This information also allows us to tailor the experience and content for a user based on what they have visited or interacted with during a previous visit.

Recording Calls

We record calls for staff training purposes, to help us improve the quality of our member service and to ensure the information we provide is consistent and accurate. We also use recording for statistical analysis and reporting regarding the types and numbers of enquiries we receive so that we can find ways to simplify our service to you, and to ensure we have an accurate record of your call, which may be needed to support any transactions that take place over the phone and/or if there is a dispute.

We understand that your personal information is important, and we are committed to protecting your privacy. We store the recordings securely for up to seven years and destroy them after this period. You can request access to and correction of personal information we hold about you. Unless we have lawful reason for withholding this information, we will provide you with access. To access or update your personal information, please call us on 09 828 8285 or 0508 WESTFORCE (937-836)

Right to Access Personal Information

Westforce digital users have the right to find out from Westforce if we hold any personal information about you and have the right to request access to the information. The company will generally allow access to such information.

Wesforce may have good reasons to refuse a request for access to personal information as per the Privacy Act. The refusal grounds are set out in sections 49 – 53 of the Privacy Act 2020. Should this be the case, we will inform you of the reasons why and provide you with information on how to make a complaint, should you wish to do so. Should this be the case, we will inform you of the reasons why and provide you with information on how to make a complaint, should you wish to do so.

Correction of Personal Information

You have the right to request that Westforce correct the personal information we hold about you if you believe the information to be incorrect.

Retention of Information

Westforce will retain personal information that we hold about you for as long as it is required for the purposes for which the information was collected and may be lawfully used.

We may be required by legislation that governs the business activities of Westforce to retain personal informational in accordance with the requirements of such legislation. This will generally affect the retention of personal information we hold about the digital users which include the use of our online member portal.

Disclosure of Information

Disclosure of personal information we hold about you is limited to the purposes that the information was collected for. This may involve sharing or disclosing information about you to third-party service providers we may use to facilitate and provide you with services, products, offerings and support services.

Westforce may disclose personal information about you in order to comply with the laws of New Zealand and the legislation that governs Westforce Credit Union.

Changes to this Privacy Policy

From time to time we may make changes to this Privacy Policy, for example to record any changes to the way we handle personal information.

Notice of any changes will be given at least 14 days in advance, by posting the updated Privacy Policy on our website. Your continued use of our products and services after the end of the notice period will be taken as acceptance of our updated Privacy Policy.

Privacy request can be sent to

This Privacy Policy is governed by New Zealand law and is current as at 01 December 2020.


We are always looking for ways to improve our service to you. If something has gone wrong, we want to know.

Please fill our complaints form here and tell us what has happened and how we can resolve matters. If you have any documents or correspondence that will help us understand your complaint, please include them in the form submission.

When we receive your complaint, we will:

  • acknowledge your complaint within 1-2 working days
  • gather and evaluate information about your complaint
  • respond to you within 20 working days.

If we cannot agree on how to resolve the complaint, you can contact Financial Services Complaints Limited (FSCL). FSCL are an independent, not-for-profit, external dispute resolution scheme approved by the Minister of Consumer Affairs.

FSCL’s service does not cost you anything and they will help resolve the complaint.

You can contact FSCL:

Financial Mentoring.

Don’t be embarrassed to ask for help. Financial difficulties can be triggered by any number of things – relationship breakdowns, redundancies, illness, injuries, or even having a child.

Not being able to make your bill payments is the first indication it’s time to make that tentative first step towards seeking financial assistance.

We know that people experiencing financial hardship are often living with stress, as families struggle on low incomes and lack the material resources to meet their basic needs. It can be time-consuming, demeaning and stressful for families and whanau.

When you feel like this, it’s important to talk to someone independent — not another lender. MoneyTalks is a free and confidential financial helpline that can connect you with financial mentors and other community services.  Financial Mentors can provide more than budgeting. They provide a one-on-one service sharing knowledge and information, focusing on empowering people.

They work alongside a person, their family and whānau, building trust and taking into account their situation, culture and needs. Usually, the service is free.

You can contact MoneyTalks:

Lending decisions are very important and often have long term effects and/or consequences. It is important to read all documents carefully, ask questions and seek advice before committing yourself.


  • Personal Loans are available to customers 18 years or older, who are currently living in New Zealand and are either New Zealand citizens or permanent residents.
  • See Rates for full details including default interest rates that may apply. Unsecured loans are from $150 to $50,000.
  • Minimum and Maximum contract periods for Personal Lending is 3 Month to 36 Months.
  • We do not provide short term loans 60 days or less, your loan can repaid within 1 day, no penalty fees or interest applies.
Products and Services
Registered Office

1883 Great North Road 
New Zeland

Our Branches

Royal Oak

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