We’re Making a Splash with New Low Rates!

With new reduced rates and no establishment fee when you apply before 31st Jan 2021, now is the time to jump in and join a team that gives back, and treats you like family.

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We've awarded $60,000 in Grants!

Meet this year's Community Grants recipient's and follow their stories to help take back momentum and create a better future in our region.

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Apply Online From the Comfort of Home

In just four easy steps you can apply online for a secured, unsecured or new vehicle personal loan!

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Join Australia's Mutual Lender of the Year

We're proud to have been announced as Mutual of the Year at the 2020 Australian Lending Awards6

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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 $1,000 of Sales1

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Merchant Facilities
Premium Home Loan
1.99
%
P.A
4 Year Fixed Rate
2.91
%
P.A
Comparison Rate 3
Premium Home Loan
  • Loans from $250k
  • No Annual Fees and no Establishment Fee^
  • For New Business Only5
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Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR 5
2.83
%
P.A
Comparison Rate 3
Basic Home Loan
  • Loans from $250k
  • No Annual Fees and no Establishment Fee^
  • 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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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.

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
Australia’s Mutual Lender of the Year awards $60K in Community Grants

Southern Cross Credit Union have today announced the six successful recipients of this year's Community Grants program, awarded to families, community groups and small business. After opening up the program beyond Community Groups, the local Credit Union received a record-breaking175 applications and over 5000 community votes, generating more public interest than...

Southern Cross Credit Union have today announced the six successful recipients of this year's Community Grants program, awarded to families,...

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A look at our 2020 Community Goals Partners – Australian Seabird Rescue Edition!

Australian Seabird Rescue (ASR) is a grass-roots community group with a passion for coastal wildlife rescue and conservation. With branches along the coastline of New South Wales and sister-groups around the country, ASRs strategic objective is to reduce the human impact on wildlife through rescue, research and education. ASR members...

Australian Seabird Rescue (ASR) is a grass-roots community group with a passion for coastal wildlife rescue and conservation. With branches...

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Community Partnerships

Through our Community Partnership initiative we provide funding for important organisations, groups and teams in the Northern Rivers

Through our Community Partnership initiative we provide funding for important organisations, groups and teams in the Northern Rivers

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  • The Little Details

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

    ^Apply by 31 January 2021, settle by 31 March 2021 and we’ll waive our $699 Establishment fee on all Owner Occupied and Investment Home Loans.

    3The 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. Interest rate valid for new loan applications received between 1st April 2020 and 30th Nov 2020. Offers not available for switching of existing SCCU home loans or to applicants for another SCCU home loan fully approved prior to 1st April 2020. Not available through Broker introduced business. Interests Rates subject to change.

    6SCCU were awarded Mutual of the Year at the Australian Lending Awards, granted by RFI Group.