4.90% pa* 

on a 4-month Term Deposit

 

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

rate subject to change. If you invest >$5k as a new 4-month Term Deposit, you’ll earn an

interest rate of 4.90%pa. Interest is paid at maturity. Eligibility criteria, fees and charges,

terms and conditions apply. TMD available at sccu.com.au

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That new home feeling

with only 5% deposit*

 

Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. *Eligibility criteria, fees and charges,

terms and conditions apply. Up to 95% LVR available on Owner Occupied Home Loan products.

TMD available at sccu.com.au

Let's Talk!

Investment Home Loans

with only 10% deposit*

Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. *Eligibility criteria, fees and charges, terms and conditions apply.

Up to 90% LVR available on Investment Home Loan products. TMD available at sccu.com.au

Learn More

Coming off a fixed rate?

Refinance with us!

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

fees and charges, terms and conditions apply. TMD available at sccu.com.au

Let's Talk!
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
4.90
%
P.A
for 4 months* >$5K
Term Deposits
  • No Account Fees
  • Terms from 1 month +
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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
Find Out More

Banking That Works for You!

Southern Cross Credit Union has been in operation and providing banking services since 1966. We employ over 80 people and are the trusted banking partner of over 20,000 customers. As a proud community-based organisation, everything we do is aimed at providing responsible and relevant banking to support our customers through their financial stages of life. 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
The Pinched Purse

The warmer days sees us breaching the confines of comfort and embrace the spoils of summer.  As our holiday bodies begin to make their comeback, generally our “purses” start getting a little bit tight. This year, there’s been uncertainty amongst consumers due to interest rate rises and the cost-of-living pressures....

The warmer days sees us breaching the confines of comfort and embrace the spoils of summer.  As our holiday...

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Your feedback helps save lives at Our Kids fo...

We are so grateful and proud to have our customers contribute their valuable time and provide open feedback in our annual Customer Satisfaction Survey. We take all comments seriously which allows us to gain deeper insights into opportunities for improvement and how we can all continue to shape, grow,...

We are so grateful and proud to have our customers contribute their valuable time and provide open feedback in...

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Lenders Mortgage Insurance (LMI) Explained

Achieving the dream of home ownership can be one of the most exciting times in your life. At times however, it can seem unattainable due to how long it takes to save a deposit. Lenders' Mortgage Insurance (LMI) enables us to accept deposits less than 20% for some home...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times...

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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...

Read More
  • The Little Details

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

    4 Standard 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.

    *Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Advertised rate subject to change. Eligibility criteria, fees and charges, terms and conditions apply. For new 4-month term deposits, you will earn an interest rate of 4.90%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. Eligible Lifestyle Plus customers will receive an additional 0.10%p.a. on carded rates for terms 3 months or greater.