Banking That Works for You!

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

Star Saver

^Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.75% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Star Saver Base Interest Rate of 1.25% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

˜ Star Saver account must be linked to our Easy Access transaction account which may incur a monthly fee if requirements are not met

Term Deposits

*Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Advertised rate subject to change without notice. Eligibility criteria, fees and charges, terms and conditions apply. For new 4-month term deposits, you will earn an interest rate of 5.05%pa. when investing $5k or more. Term Deposit interest will be paid annually for terms greater than 12 months. For terms 6 months or greater you may select to have interest paid monthly into a separate savings or transaction account. If you choose to withdraw from your term deposit before the end of its term, you’ll need to give us 31 days’ notice and pay a $30 administration fee for the early redemption. It’s also important to note that this can affect the interest we pay you, with an early redemption interest rate of 0.10%p.a. applicable. When your term ends, you have a ‘Grace Period’ of seven calendar days to manage your term deposit, otherwise we will reinvest your balance for you for the same term, at the applicable advertised interest rate at the time.

Loans

#All rates available for new business only. Credit eligibility criteria, terms and conditions, fees and charges apply.

*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.

^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.