Don't Simply Dream...

3.99% p.a
New Vehicle Loan
4.92% p.a
Comparison Rate*

Drive away in your new car with a new vehicle loan

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Credit eligibility criteria, terms and conditions, fees and charges apply. Advertised Fixed Interest rates subject to change. Offer valid for New Vehicle Loan applications received by 30th June 2022 and settled by 30th September 2022. *Comparison rate is based on a loan of $30,000 repayable over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL & Australian Credit Licence 241000.

We’re Up And Running At The Southern Cross University Lismore Campus In The Community Banking Hub

Whilst our Lismore Financial Service Centre is out of operation, we’re up and running at the Southern Cross University (SCU) Lismore Campus in the Community Banking Hub.

The easiest way to find us is off Military Drive entrance to SCU in the Goodman Plaza. We will be providing all of our normal banking services.

For anyone who needs us, our team are ready to help and we will be open 9am-5pm weekdays.

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Pay Your Way

Access your money anywhere, anytime using your Apple or Android device.
Simply tap and pay or use the SCCU mobile app to keep track of spend on the go.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices. see https://support.apple.com/km207105.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc

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Enjoy the Little Things

2.28% p.a
Basic Home Loan (Owner Occupied) LVR < 80%
2.33% p.a
Comparison Rate*

Credit eligibility criteria, terms and conditions, fees and charges apply. Advertised Interest rates subject to change.

*The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

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We're Updating Your Access Requirements To Keep Your Finances Safe

Two-factor SMS authentication for Netbanking will be automated on the 28th April 2022.

Update your mobile number with us now.

Contact Us
Home Loans

Get into your new place sooner with our range of flexible home loans.

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Home Loans
Personal Loans

Our Personal Loans have no ongoing fees or early repayment fees.

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Personal Loans
Everyday Banking

Check out our Transaction & Savings Accounts, Term Deposits and Overseas Payment facilities.

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Everyday Banking
Insurance

We offer insurance to protect your car, home, travel and more.

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Insurance
Business Banking

Organise your payments and manage your cash flow with our Business Banking products.

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Business Banking
Business Loans

Our Business Loans could provide the funding you need to start, buy or grow your business.

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Business Loans
Overdraft

Our overdraft facilities can help manage cash flow and cover any unforeseen expenses.

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Overdraft
Merchant Facilities

Check out our Square Merchant Facilities, now with free processing on your first $2,000 of Sales1

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Merchant Facilities
Premium Home Loan
2.68
%
P.A
Variable Rate
2.73
%
P.A
Comparison Rate *
Premium Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only5
Find Out More
Term Deposits up to
2.25
%
P.A
for 18 months*
Term Deposits up to
  • No Account Fees
  • Minimum Deposit of $100k
  • Terms from 1 month +
Find Out More
Basic Home Loan
2.28
%
P.A
Special Offer Variable Rate <80% LVR 5
2.33
%
P.A
Comparison Rate *
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only5
Find Out More
Business Plus Transaction Account
$0
%
P.A
Monthly Fees 4
$0
%
P.A
Minimum Balance
Business Plus Transaction Account
  • Direct bank feeds to Xero and MYOB
  • Access using NetBanking and Mobile Banking
  • Waived Establishment Fee4
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We're Here To Help

Open Banking

Learn more about how SCCU is delivering Open Banking to help you share your data safely and securely.

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Covid-19 Support

If your suffering financial hardship through lockdowns and as a result of Covid-19, talk to our team.

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Banking That Works for You!

Southern Cross Credit Union has been serving the financial and banking needs of the Northern Rivers and South East Queensland communities since 1966. We employ over 80 people from across the region, are the trusted banking partner of over 20,000 customers and support more than 35 local community groups, projects and events. As a proud community-based organisation, everything we do is aimed at providing an easy to understand banking experience where we are committed to helping our customers realise their financial dreams for the future. We are genuine in our approach to ensure our customers and community are valued and truly matter.

You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non-bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago.
Robyn
We’ve Upgraded To One-Time Password Security

From April 28th, we’re updating our security for both the SCCU APP and Web-Based Netbanking to include One-Time password on some transactions. One-Time Passwords, also known as Multi-Factor Authentication, is one of the most effective controls that can be implemented to prevent unauthorised access to your accounts. So effective in...

From April 28th, we’re updating our security for both the SCCU APP and Web-Based Netbanking to include One-Time password...

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Introducing ASIC’s
‘Get Moneysmart’

Designed to help provide tips to young people on making smart financial decisions to build a better future, ASIC has launched Get Moneysmart. ASIC notes that over 50% of the younger generations are looking for ways to make the most of their money through survey research conducted, recognising the need...

Designed to help provide tips to young people on making smart financial decisions to build a better future, ASIC...

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The investment property guide

Questions to ask yourself before placing an offer With the property market in a growth phase, rental vacancies at all-time lows and staycations replacing overseas travel, many people are considering this as an opportune time to enter the investment property market. Whilst it’s a decision that needs to be based...

Questions to ask yourself before placing an offer With the property market in a growth phase, rental vacancies at all-time...

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How to drive your renovation dollar further

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating. With more time spent at home, extra downtime and little opportunity to spend our dollars on an overseas holiday, we are looking to make our own space a little more...

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating....

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  • The Little Details

    Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000.

    *The comparison rate is based on a $150,000 loan repayable over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    4Standard account fee of $10 per month is waived if you meet one of the following criteria: you are under 21 or deposit at least $2k per month into the account or if you have $30k or more in deposits and/or loans with Southern Cross Credit Union.

    5Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.