Locally owned and focused, NZCU Rotorua will help you make the most of your money, and make your life a whole lot easier. WE CARE... At your Credit Union, you’ll find a refreshing, new approach. You’re not just a number. Listening, helping, advising aren’t just policies to us - they’re second nature and what we’re all about. And because we’re local, we can help you to make the best decisions, based on our relationship with you. WE ARE HERE FOR YOU… So what is a Credit Union? Quite simply, a Credit Union is a group of people who own their own Financial Institution and work for the good of each other. You become a member and a shareholder when you deposit funds with a Credit Union. Because we have no outside shareholders, our profits (after providing for necessary reserves) are returned to members through top interest rates on savings, low cost loans, reasonable fees, and new services, or to the community through worthwhile projects.