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词条 People's Choice Credit Union
释义

  1. History

  2. Structure and Regulation

  3. Awards

  4. References

  5. External links

{{Use dmy dates|date=February 2011}}{{Advert|date=August 2015}}{{Infobox company
| name = People's Choice Credit Union
| logo = People's Choice Credit Union logo.png
| logo_size = 200px
| type = Credit union
| industry = Financial services
| hq_location = Flinders Street,Adelaide, South Australia
| key_people = John Cossons, Chair of Board of Directors, Steve Laidlaw, Chief Executive Officer[1]
| products = Retail banking, Investment, Insurance, Financial Planning
| members = 365,000 (2018)
| num_employees = 1,000 (2018)
| homepage = peopleschoicecu.com.au/
}}

People's Choice Credit Union is one of Australia’s largest credit unions[2], offering loans, credit cards, transaction and savings accounts, financial advice and insurance.

With more than $10.5 billion of funds under management and advice, 365,000 members, and branches across South Australia, Victoria, the Northern Territory, the ACT and Western Australia[3], People’s Choice Credit Union offers an alternative to the ‘big four’. The national presence of People's Choice has been reflected in its regular ranking as one of South Australia's ten-largest businesses in [https://indaily.com.au/ InDaily]'s annual SA Business Index.[4][5]

Created through the merger of Australian Central Credit Union and Savings & Loans Credit Union in December 2009, People’s Choice Credit Union’s origins date back to 1949.[6]

People’s Choice Credit Union is involved socially and economically with its members and the wider Australian community. This involvement takes many forms, including:

  • The People’s Choice Community Lottery, which has raised almost $19 million for thousands of not-for-profit organisations across Australia;
  • A corporate social responsibility (CSR) partnership with Cancer Council SA;
  • Employee fundraising and volunteering, with more than 1,000 hours volunteered for 54 different organisations in 2017/18;
  • Sponsorship of major community events such as the Adelaide Strikers' men's and women's cricket team[7] and People’s Choice BASSINTHEGRASS[8].

People's Choice Credit Union was Australia's first financial institution to become a White Ribbon Accredited Workplace to fight domestic and financial abuse.[9]

History

People's Choice Credit Union represents a series of credit unions that have merged since its 1949 origin, including the Northern Territory Credit Union.[10] In August 2009, it announced plans to merge with another credit union, Savings & Loans,[11] with the first post-merger branch opened in December 2010.[12]

On 27 June 2011, members of the credit union voted to change the name to People's Choice Credit Union.[13] This change was adopted on 18 July 2011.[14]

Structure and Regulation

People's Choice is a credit union, a member-owned structure where its customers are also shareholders. This avoids the conflict of listed entities where directors owe their primary duty to maximise profits in the interest of their shareholders, potentially compromising treatment of customers.

People's Choice is an authorised deposit-taking institution (ADI) supervised by the [https://www.apra.gov.au/register-authorised-deposit-taking-institutions Australian Prudential Regulation Authority (APRA)]. As a financial institution, it is also supervised by the [https://asic.gov.au/ Australian Securities and Investments Commission (ASIC)] and, with its financial planning business, holds both an Australian Financial Services Licence and an Australian Credit Licence. It is regulated by the Banking Act 1959 (Cth) and the Corporations Act 2001 (Cth).

Awards

People’s Choice Credit Union has been recognised with numerous awards for its products and services, including:

  • First homebuyer support: Customer-owned institution of the year for first homebuyers in Victoria (CANSTAR 2017[15] and 2018[16]), South Australia (CANSTAR 2013,[17] 2014,[18] 2016,[19] 2017[20] and 2018[21]) and Northern Territory (CANSTAR 2013,[22] 2014, 2017[23] and 2018[24]).
  • Customer satisfaction: Credit union of the year (Roy Morgan Customer Satisfaction Awards 2014,[25] 2016,[26] 2017[27], 2018[28]), outstanding customer satisfaction (Mozo People's Choice Award 2018[29]), excellent customer service (Mozo People's Choice Award 2018[30]), customer satisfaction for everyday banking (Mozo People's Choice Award 2018[31]).
  • Service and trust: Highly trusted (Mozo People's Choice Awards 2017, 2018[32]), staff friendliness (Mozo People's Choice Awards 2017, 2018[33]) and most recommended (Mozo People's Choice Awards 2018[34]).
  • Home loans: Best home loan package (Mozo Expert's Choice Award 2018[35]), Most Recommended Home Loan, Non-Major Bank (DBM Consultants' Australian Financial Awards 2019)[36].
  • Personal loans: Personal Lender of the Year (Money Magazine/CANSTAR 2018[37][38]), best car loan (Mozo Expert's Choice Award 2015,[39] 2016,[40] 2017[41]) and the top-of-the-line five stars from CANSTAR for its Discounted Personal Car Loan[42].
  • Deposits: Best value term deposit for long-term (Mozo Expert's Choice Awards 2015,[43] 2016[44]), medium-term (Mozo Expert's Choice Awards 2016[45]), best term deposit (Mozo Expert's Choice Awards 2018[46]), best savings account (Mozo People's Choice Awards 2015). CANSTAR awarded People's Choice five stars for its Bonus Saver account.
  • Credit risk management: Best Credit Risk Management 2019[47].

References

1. ^https://www.peopleschoicecu.com.au/about-us/news-centre/2015/steve-laidlaw-appointed-peoples-choice-ceo/
2. ^{{Cite web|url=https://home.kpmg.com/content/dam/kpmg/au/pdf/2018/mutuals-industry-review-2018-data.pdf|title=Mutuals Industry Review 2018|last=Twining (ed)|first=Brendan|date=2018|archive-url=https://home.kpmg.com/content/dam/kpmg/au/pdf/2018/mutuals-industry-review-2018-data.pdf|archive-date=28 November 2018}}
3. ^https://www.peopleschoicecu.com.au/about-us/our-story/
4. ^{{Cite news|url=https://indaily.com.au/news/2017/09/28/sa-business-index-big-10-fastest-mover-rising-star-best-new-entrant/|title=SA Business Index: The big 10, fastest mover, rising star and best new entrant - InDaily|date=2017-09-28|work=InDaily|access-date=2018-05-30|language=en-US}}
5. ^{{Cite news|url=https://indaily.com.au/news/business/2018/09/20/sas-top-100-companies-2018-the-full-list/|title=SA's top 100 companies 2018: the full list - InDaily|date=2018-09-20|work=InDaily|access-date=2018-11-28|language=en-US}}
6. ^{{cite web|title='Our story'|url=https://digitalbranch.peopleschoicecu.com.au/about-us/our-story/|website=People's Choice Credit Union|accessdate=27 October 2014}}
7. ^{{Cite web|url=https://www.adelaidestrikers.com.au/partners|title=Partners {{!}} Adelaide Strikers - BBL|website=www.adelaidestrikers.com.au|language=en|access-date=2018-11-28}}
8. ^{{cite web|title='In the community'|url=https://digitalbranch.peopleschoicecu.com.au/about-us/in-the-community/|website=People's Choice Credit Union|accessdate=27 October 2014}}
9. ^{{Cite web|url=https://www.peopleschoicecu.com.au/about-us/news-centre/2017/nations-first-white-ribbon-financial-institution/|title=Nation's first White Ribbon Financial Institution - People's Choice Credit Union|website=www.peopleschoicecu.com.au|language=en|access-date=2017-11-24}}
10. ^{{cite news|url=http://www.abc.net.au/news/business/2002/02/item20020216120728_1.htm|title= Merger brings $7.2m profit for Australian Central Credit Union|date= 18 February 2002 |work=ABC News|accessdate=16 November 2009}}
11. ^{{cite news|url=https://www.bloomberg.com/apps/news?pid=20601081&sid=aNoj0G8rKJCE|title=Savings & Loans, Australian Central Credit Union Plan to Merge |last= McDonald|first=Sarah|date=13 August 2009|work=Bloomberg|accessdate=16 November 2009}}
12. ^{{cite web|last=Emmerson |first=Russell |url=http://www.adelaidenow.com.au/business/sa-business-journal/first-branch-of-merged-credit-union/story-e6fredel-1225966547533 |title=First branch of merged credit union |publisher=adelaidenow |date=2010-12-07 |accessdate=2012-06-06}}
13. ^{{cite web|url=https://www.peopleschoicecu.com.au/about-us/news-centre/2011/members-approve-peoples-choice-credit-union/|title=People's Choice Credit Union - Members approve People’s Choice Credit Union|publisher=Peopleschoicecu.com.au |date=27 June 2011|accessdate=27 December 2017}}
14. ^{{cite web|author=15Jul2011 |url=http://www.peopleschoicecu.com.au/newsdetail/71/launch-of-peoples-choice-credit-union.aspx |title=People's Choice Credit Union - Launch of People’s Choice Credit Union |publisher=Peopleschoicecu.com.au |date=2011-07-18 |accessdate=2012-06-06}}
15. ^{{Cite news|url=https://www.canstar.com.au/star-rating-reports/first-home-buyers-award/|title=First Home Buyers Award 2017 {{!}} Canstar|work=Canstar|access-date=2018-05-30|language=en-GB}}
16. ^{{Cite news|url=https://www.canstar.com.au/star-rating-reports/first-home-buyers-award/|title=First Home Buyers Award 2018 {{!}} Canstar|work=Canstar|access-date=2018-11-28|language=en-GB}}
17. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/peoples-choice-home-loan-achieves-canstar-first-home-buyers-award|title=Peoples Choice Home Loan achieves Canstar First Home Buyers Award|date=2007-11-13|work=Canstar|access-date=2018-05-30|language=en-GB}}
18. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/peoples-choice-home-loan-achieves-canstar-first-home-buyers-award|title=Peoples Choice Home Loan achieves Canstar First Home Buyers Award|date=2007-11-13|work=Canstar|access-date=2018-05-30|language=en-GB}}
19. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/first-home-buyers-winning-institutions|title=CANSTAR First Home Buyer Award: the Winning Institutions {{!}} Canstar|date=2016-07-18|work=Canstar|access-date=2018-05-30|language=en-GB}}
20. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/2017-first-home-buyers-award-winners|title=2017 First Home Buyer Award Winners {{!}} Canstar|date=2017-07-28|work=Canstar|access-date=2018-05-30|language=en-GB}}
21. ^{{Cite news|url=https://www.canstar.com.au/star-rating-reports/first-home-buyers-award/|title=First Home Buyers Award 2018 {{!}} Canstar|work=Canstar|access-date=2018-11-28|language=en-GB}}
22. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/peoples-choice-home-loan-achieves-canstar-first-home-buyers-award|title=Peoples Choice Home Loan achieves Canstar First Home Buyers Award|date=2007-11-13|work=Canstar|access-date=2018-05-30|language=en-GB}}
23. ^{{Cite news|url=https://www.canstar.com.au/home-loans/first-home-buyers/2017-first-home-buyers-award-winners|title=2017 First Home Buyer Award Winners {{!}} Canstar|date=2017-07-28|work=Canstar|access-date=2018-05-30|language=en-GB}}
24. ^{{Cite news|url=https://www.canstar.com.au/star-rating-reports/first-home-buyers-award/|title=First Home Buyers Award 2018 {{!}} Canstar|work=Canstar|access-date=2018-11-28|language=en-GB}}
25. ^{{Cite web|url=http://www.roymorgan.com/findings/6069-satisfaction-awards-winners-2014-201502181115|title=Roy Morgan announces 2014 winners of Customer Satisfaction Awards|website=Roy Morgan|language=en|access-date=2018-05-30}}
26. ^{{Cite web|url=http://www.roymorgan.com/findings/7158-roy-morgan-customer-satisfaction-awards-banking-and-finance-2016-australia-201702220929|title=2016 Roy Morgan Customer Satisfaction Awards: Banking and Finance winners revealed|website=Roy Morgan|language=en|access-date=2018-05-30}}
27. ^{{Cite web|url=http://www.roymorgan.com/findings/7505-roy-morgan-announces-winners-of-the-2017-customer-satisfaction-awards-201802201125|title=Roy Morgan announces winners of the 2017 Customer Satisfaction Awards|website=Roy Morgan|language=en|access-date=2018-05-30}}
28. ^{{Cite web|url=http://www.roymorgan.com/findings/7890-customer-satisfaction-bank-and-finance-201902220551|title=Roy Morgan Customer Satisfaction Awards|last=|first=|date=|website=Roy Morgan|archive-url=http://www.roymorgan.com/findings/7890-customer-satisfaction-bank-and-finance-201902220551|archive-date=|dead-url=|access-date=2019-03-05}}
29. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
30. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
31. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
32. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
33. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
34. ^{{Cite web|url=https://mozo.com.au/peopleschoice|title=People’s Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-31}}
35. ^{{Cite web|url=https://mozo.com.au/expertschoice/best-home-loans|title=Mozo Experts Choice Awards 2018 {{!}} Australia’s Best Home Loans {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
36. ^{{Cite web|url=https://www.dbmconsultants.com.au/australian-financial-awards/|title=Australian Financial Awards 2019|last=|first=|date=2019-02-27|website=|archive-url=|archive-date=|dead-url=|access-date=}}
37. ^England, Cameron (2018-05-31). "People's Choice gets top accolade". The Advertiser. Published 2018-05-31.
38. ^{{Cite news|url=http://moneymag.com.au/bank-year-2018/|title=Bank of the Year Awards 2018: bigger isn't always better - Money magazine|date=2018-06-04|work=Money magazine|access-date=2018-06-06|language=en-US}}
39. ^{{Cite web|url=https://mozo.com.au/expertschoice/2015/best-personal-loans|title=Best Personal Loans {{!}} Mozo Experts Choice Awards 2015 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
40. ^{{Cite web|url=https://mozo.com.au/expertschoice/2016/best-personal-loans|title=Best Personal Loans {{!}} Mozo Experts Choice Awards 2016 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
41. ^{{Cite web|url=https://mozo.com.au/expertschoice/best-personal-loans|title=Best Personal Loans {{!}} Mozo Experts Choice Awards 2017 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
42. ^{{Cite news|url=https://www.canstar.com.au/personal-loans/5-star-rated-personal-loans-save-next-holiday-car/|title=Revealed: Best Value Personal Loans & Car Loans {{!}} Canstar|date=2018-11-16|work=Canstar|access-date=2018-11-28|language=en-GB}}
43. ^{{Cite web|url=https://mozo.com.au/expertschoice/2015/top-3-term-deposits|title=Mozo Experts Choice Awards 2015 {{!}} Top 3 Term Deposits {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
44. ^{{Cite web|url=https://mozo.com.au/expertschoice/2016/best-term-deposits|title=Australia’s Best Term Deposits {{!}} Mozo Experts Choice Awards 2016 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
45. ^{{Cite web|url=https://mozo.com.au/expertschoice/2016/best-term-deposits|title=Australia’s Best Term Deposits {{!}} Mozo Experts Choice Awards 2016 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
46. ^{{Cite web|url=https://mozo.com.au/expertschoice/best-term-deposits|title=Australia’s Best Term Deposits {{!}} Mozo Experts Choice Awards 2018 {{!}} Mozo|website=mozo.com.au|language=en-us|access-date=2018-05-30}}
47. ^{{Cite web|url=https://www.rfigroup.com/sites/default/files/winners_0.pdf|title=RFi Group Australian Lending Awards 2019|last=|first=|date=27 February 2019|website=RFi Group|archive-url=|archive-date=|dead-url=|access-date=}}

External links

  • {{Official website|http://www.peopleschoicecu.com.au/ }}

1 : Credit unions of Australia

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