A Place for Everyone

1.99%% p.a
Fixed Rates Starting From^
2.78%% p.a
Comparison Rate*

Everyone’s home loan needs are different. Find the right home loan for you and
talk to a team that puts you ahead of our profits.

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Apply Online From the Comfort of Home

In just four easy steps you can apply online for a SCCU loan!

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Every Step In The Right Direction Adds Up

Introducing Sustainability at SCCU! For us it’s about learning, collaborating with experts, setting the right pace and having a plan that balances little wins with big picture goals.

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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.

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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
1.99
%
P.A
3 Year Fixed Rate
2.78
%
P.A
Comparison Rate *
Premium Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only5
Find Out More
Term Deposits up to
0.75%
%
P.A
for 24 months*
Term Deposits up to
  • No Account Fees
  • Minimum Deposit of $100k
  • Terms from 1 month +
Find Out More
Basic Home Loan
2.48
%
P.A
Special Offer Variable Rate <60% LVR 5
2.54
%
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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Loan Interest Rate Schedule Deposit Interest Rate Schedule
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 were built on a foundation of entrepreneurial spirit by the Banana Growers Federation (BGF) after local growers found they were unable to access the services and products they needed from the banks of the time. The BGF pooled the savings of its members to create a financial cooperative to supply savings and loans products to its members. This entrepreneurial spirit continues at Southern Cross Credit Union today. We employ 70 people from across the Northern Rivers, are the trusted banking partner of over 15,000 customers, support more than 30 community groups and support and invest in more than 200 local businesses.

Find a Branch Contact Us
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
The investment property guide
Investment,  Buying Property,  Home Loan

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Renovations,  Investment,  Home Loan

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...

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The investment property guide
Investment,  Buying Property,  Home Loan

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...

Read More
How to drive your renovation dollar further
Renovations,  Investment,  Home Loan

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.

    ^Rate shown is the current three-year fixed rate for our Premium Home Loan.  Fixed rates for other products may vary. Fixed rates revert to the applicable variable rate upon expiry.

    *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. Valid for new loan applications received between 1st August and 30th September 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.