Helping You Get Back to Business

Under the Coronavirus SME Guarantee Scheme we can offer eligible business customers new1 unsecured loans and overdrafts with a 6-month repayment holiday2

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Join the Australian Mutual of the Year

We were recently announced as Mutual of the Year at the 2020 Australian Lending Awards^

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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

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.

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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
Kingscliff Turtle Release
Cassie Nicole

It’s not often that you get to start the work day at the beach but on Thursday 5th March the SCCU team and community partners Australian Seabird Rescue did just that, meeting on the Kingscliff sands for the release of 2 rehabilitated turtles, back into the wild.   Joined by locals,...

It’s not often that you get to start the work day at the beach but on Thursday 5th March...

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Southern Cross Credit Union Named Australian Mutual of the Year
James Adderley

At the recent Australian Lending Awards, hosted by RFI Group, Northern Rivers based Southern Cross Credit Union (SCCU) were named Australian Mutual of the Year. Having been finalists for the previous 3 years, SCCU managed to go one further this year; crediting their customers, community and their team for...

At the recent Australian Lending Awards, hosted by RFI Group, Northern Rivers based Southern Cross Credit Union (SCCU) were...

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Community Grants
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Through our Community Grants initiative we provide funding for organisations working on a project or event that benefits our local communities

Through our Community Grants initiative we provide funding for organisations working on a project or event that benefits our...

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Community Partnerships
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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.

    * Motor Scout Australia Pty Ltd 2020. ABN 53 625 619 347. Access to the increased instant asset write-off threshold from $30K-$150K is subject to terms outlined by the Federal Government stimulus package and includes businesses with aggregated annual turnover of less than $500M (up from $50M) until June 30, 2020. Only applicable to eligible businesses and for eligible assets. Visit https://lnkd.in/gvmdEQ2 for full details. Credit eligibility criteria, fees and charges, terms and conditions apply. If you purchase a vehicle through Motor Scout, we may receive a commission.

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

    1 SCCU Back to Business Loans and Back to Business Overdrafts are provided as part of the Australian Government’s Coronavirus SME Guarantee Scheme. Must be unconditionally approved before 30th September 2020. Loan balances require no repayments for the first six months, interest will continue to accrue over this period. The loan or overdraft facility must be repaid with principal and interest repayments that begin after the first six months. Credit eligibility criteria, fees and charges, terms and conditions apply. Visit sccu.com.au/back-to-business-loans for full product details.

    2 Not available for internal refinances