Customers are the number-one stakeholder of Australia’s 74 customer owned banking institutions.

“We recently re-financed our home loan to P&N Bank. I had been hesitant to look at switching banks, however dealing with P&N was a breath of fresh air.”

“15 years ago Mum nearly lost her house, but thanks to Holiday Coast’s advice and loan restructuring Mum is secure, and now my plan is to invest in more houses so I can give something to my children. The Holiday Coast changed Mum’s life and mine, that’s for sure.”

When you take ownership of something, no one can take the benefits away from you.

Customer owned banking means market leading customer satisfaction and award winning home loans.

“You can go into a (big) bank a million times and they don’t care who you are or remember who you are. It’s really personal and special (at People’s Choice Credit Union). I feel quite special when I go in there.”

Switch to customer owned banking where we have branches in every state and territory in Australia.

“There are so many things coming out of the Royal Commission about the (big) banks’ wrong doings that do not meet with my principles of such organisations. I joined the credit union as it is an organisation that is part of the community and not there to profit by it.”

“Nothing was ever an effort, it was just good customer service.”

Customer owned banking gives you the opportunity to bank with trust, bank with better rates and to bank more innovatively.

“What convinced me were the ethics and ideals of Bank Australia where customers come first, not last. And where ecological concerns matter and profits are directed back to customers, not shareholders.”

Customers of mutual banks, credit unions and building societies own these institutions. So customer interests are not in conflict with shareholder interests.

Join the model where customer interests are not in conflict with stakeholder interests.

“You guys are amazing. Can’t believe anyone banks anywhere else.”

The customer owned banking model is the only alternative that is solely customer focused – 100% of profits are used to benefit customers.