Community Partnerships Apply Now

Through our Community Partnership program we’re offering several $1,500 sponsorships to local community groups, organisations and teams!

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Grow your Business with Us!

Apply for a new Business Loan, Business Vehicle Loan or Business Overdraft by 30th September and we’ll waive your establishment fees*

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We Want Your Business!

Open a Business Plus account before 30th September and we’ll waive your monthly account fee of $10 for 12 months^

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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.

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
Buying Your First Home

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process you may go through as a buyer from saving a deposit, to settling on your new home. Doing your research is essential to getting the right outcome from your property...

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process...

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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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Community Grants

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

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

Read More
  • The Little Details

    * Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL & Australian Credit Licence 241000. * Valid for new Business Loan, Business Vehicle Loan and Business Overdraft applications received from 19 August 2019 to 30 September 2019 and settled by 30 November 2019. Credit eligibility criteria, fees and charges, terms and conditions apply.

    ^ Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL & Australian Credit Licence 241000. Valid for new Business Plus accounts opened from 19 August 2019 to 30 September 2019. Credit eligibility criteria, fees and charges, terms and conditions apply.