First Credit Union is a New Zealand-based financial cooperative offering personal loans, savings accounts, term deposits, mortgages, and everyday bank accounts. They operate with a member-centric approach, focusing on no fees for loans and mortgages, and requiring borrowers to contribute to a savings account. Their services are ideal for individuals seeking affordable financial solutions. The unique selling proposition is their fee-free loans and member-owned structure, which prioritizes members over profits. Their target audience includes New Zealanders looking for cost-effective banking services[1][3].