Our App Upgrade
Is Here!

Mobile Banking
On The Go

Download now from Google Play and the Apple Store

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Earn More
With Our
Term Deposits

2.25% p.a
on an 11 month term*

Invest between $5k and $99,999 with us in an 11 month Term Deposit, and you will earn 2.25%pa

Get in quick and grow with us!

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Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. *If you invest between $5k and $99,999 as a new 11 month term deposit, you’ll earn an interest rate of 2.25%pa. Interest is paid at maturity.  Eligibility criteria, fees and charges, terms and conditions apply.

Save More With
Our Star Saver

0.50% p.a
Star Saver Rate^
Apply Now

Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. *Standard account fee of $6 per month is waived for under 21’s; if your account balance remains over $3k; or if you have over $30k total in deposits and/or loans with us. Direct credits available.

*Offer for customers with an increase in savings of $200 or more, per calendar month, will receive an additional bonus rate of 0.30% pa for the month where such balance growth was achieved. The Standard Star Saver Rate, currently 0.20% pa, applies where minimum growth was not achieved. Offer valid until 30th June 2022 and is not available in conjunction with previous offers.

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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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
Term Deposits up to
2.35
%
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
2.48
%
P.A
Variable Rate <80% LVR 5
2.53
%
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 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.

Find a Financial
Service Centre 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
Our Mobile App Upgrade
Is Live In Store!
Mobile Banking,  Mobile App,  Everyday Banking,  Personal Banking

It’s finally here, and we’re excited! Our newly upgraded SCCU app will make your mobile banking, that much easier. With a new look and feel, the app also has a range of upgraded features and functionality for you to manage your banking on the go. What’s new? Upgraded security access, including pin,...

It’s finally here, and we’re excited! Our newly upgraded SCCU app will make your mobile banking, that much easier. With a...

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We’ve Upgraded To One-Time Password Security
Secure Banking,  Smart Banking,  Community Banking,  Personal Banking

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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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...

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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.

    *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.