Get it right from the beginning of adulthood. Join an organisation that can offer you the right advice and a fair deal.

Our Starting Out package is designed specifically for Members aged 18 to 25, to help you with the things that are important in your life right now.

The benefits of Starting Out include:

  • Pre-approved Credit Card with a limit of up to $2,000 if working or $1,000 if currently studying.1
  • Up to 100% finance for car purchase.2 ,3
  • Student Loans with the flexibility to defer repayments.4
  • Up to 10% discount on Home and/or Contents Insurance.3
  • Up to 7.5% discount on Health Insurance.3
  • The ability to bank low cost.
  • Free Financial Planning Workshop.
  • Student Fee Exemptions.5
  • First Home Saver Account holders will have the Home Loan Establishment Fee waived for Home Loans funded by the Credit Union.

For full details of the Starting Out package, refer to our Starting Out brochure.

How to get the Starting Out package

If you're already a Member, call us on 1300 654 822 to find out how to access our Starting Out products and services.

How to Join

1.

Becoming a Member is quick and easy. Apply online by simply completing a Membership application in approx 5 minutes.
2. To become a Member, download a Membership Pack which contains everything you need.
3. If required, download additional Proving Your Identity forms.
4. Mail your completed application to:
Victoria Teachers Credit Union
P.O. Box 338
Camberwell VIC 3124
5. Alternatively, call 1300 654 822, or visit a Member Service Centre with the necessary ID documents.

Switch your Banking

See Switch Your Banking for advice on transferring your banking from another organisation.

Terms and Conditions

Our Terms and Conditions should be considered before acquiring a product.

1. Conditional on a completed application form and acceptable credit bureau check. Proof of income (payslip) or letter from employer may be required. 2. Available to eligible applicants. 3. Conditions apply. Minimum premiums may apply. Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements.  4. Repayment can be deferred until completion or termination of studies (up to 3 years); with interest accruing from the date the loan is disbursed. 5. Proof of enrolment is required.

CGU Insurance Limited ABN 27 004 478 371, AFSL 238 291, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234 708, Australian Unity Health Limited ABN 13 078 722 568, Zurich Australia Limited AFSL 232 510, ABN 92 000 010 195, Swann Insurance (Aust) Pty Ltd, AFSL 238 292, ABN 80 000 886 680 and Brokers National – Insurance Broking AFSL 246 366, ABN 44 087 651 976 are the insurance providers. In arranging this insurance, Victoria Teachers Credit Union, AFSL 240 960, acts as agent for the insurers, not as your agent.

A Product Disclosure Statement (PDS) should be considered before acquiring a product and can be requested by calling our Insurance Services on 1300 654 166.