The products are ok but not outstanding. I don't like the shortened opening hours/days for the physical branches. It is also frustrating that all branches are not open for all types of banking. Online banking is not user friendly for pmoney transfers as it mandates a 3rd party app to be able to make or schedule payments to another person. Also that 3rd party app is only for one member number. If you have two memberships you cannot use the same device eg mobile phone to transfer money to another person.
People's Choice have a good range of home loans at reasonable rates. If you take out a home loan package there are no fees other than an annual fee - all refinancing, redraws, etc. are at no additional cost. They offer unlimited redraw facilities and the best thing I like is you can have as many offset accounts as you want - I currently have six for different purposes which makes saving up for different things easier. The staff are friendly and genuinely want to help you achieve your financial goals.
Poor communication, care factor very low, didn't really listen, etc. Good rates, great fees but the worst customer service in the country.
Finance managers are a bunch of donkeys. I just sold my house and they are trying to charge me twice for arrears. Now I'm considering having my account audited for fraud. They don't call back when they stuff up and are not helpful.
I've always been able to contact them easily with any issues and they have always sorted those issues right then or got back to me within the timeframe they said they would. Interest rates are competitive and they offer good features on their loans.
People’s Choice staff are always helpful and were very supportive during a difficult period of redundancy. They have also contacted us to reduce our mortgage rates by moving us to a new product without us even having to ask.
Customer service are a joke. Banked there for 20 years and received nothing but a feeling of disappointment when going for home loans. All that was brought up was pre-covid-19 & that we would have had a chance then but not now because lending has doubled. Penalised for other non payments of mortgages because of the pandemic.
A great variety of banking options available whether you’re wanting assistance with loans or savings. Staff are always friendly and helpful. Would highly recommend People’s Choice Credit Union for all your banking needs.
I have nothing else to compare but I think I'm getting taken care of but I'm not sure how much longer they'll be around.
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WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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