A Place for Everyone

1.99%% p.a
Fixed Rates Starting From^
3.01%% p.a
Comparison Rate*

Everyone’s home loan needs are different. Find the right home loan for you and
talk to a team that puts you ahead of our profits.

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Say Hello to Google Pay TM

Google Pay is the fast, simple way to pay contactless and speed through checkout on sites and in apps.

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Apply Online From the Comfort of Home

In just four easy steps you can apply online for a SCCU loan!

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Apple Pay Available
now with SCCU

Welcome to easy, fast and secure payments with Apple Pay.

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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
3 Year Fixed Rate
3.01
%
P.A
Comparison Rate *
Premium Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only5
Find Out More
Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR 5
2.83
%
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

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.

Find a Branch 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
Receipt Apps
#receipts,  #taxtime,  #taxhelp,  Finance,  Save,  Balance,  Budget,  Planning,  Insurance

Believe it or not, receipts are not created just for the purpose of filling your wallet or purse with small pieces of paper for you to use to scribble out a last-minute shopping list! Treated with the respect they truly deserve, receipts can help you out in a number of...

Believe it or not, receipts are not created just for the purpose of filling your wallet or purse with...

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Club Lennox & SCCU partner up to support largest regional mental health unit in NSW
Create A Better Future,  Northern Rivers,  Community Grants,  Community Banking

Thanks to the efforts of the annual Club Lennox Christmas Tree fundraising drive and Southern Cross Credit Union (SCCU), a cheque for over $3,800 has been presented to Our Kids - Northern Rivers Children's Health Fund. Receiving the cheque on behalf of Our Kids, Fundraising Coordinator Rebekka Battista said With restrictions...

Thanks to the efforts of the annual Club Lennox Christmas Tree fundraising drive and Southern Cross Credit Union (SCCU),...

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Your home in 2021 — love, list or buy?
Loan Options,  Australian Housing Outlook,  Sell,  Invest,  Buying Guide,  LMI,  First Home

Every January, we have a chance to reflect on the year and think about the future. What do we want to achieve in the next 12 months? Where to go on holiday? Could the house do with a lick of paint? However, 2020 was a bit different, fundamentally changing the...

Every January, we have a chance to reflect on the year and think about the future. What do we...

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What is negative and positive gearing?
Postive Gearing,  Negative Gearing,  Property,  Tax Deduction,  Policy,  Investment,  Home Loan

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard the term ‘negatively geared’. Of course, as balance would have it, there is also another relative concept called ‘positively geared’. Put simply, negative gearing is where you’ve borrowed money to invest,...

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard...

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  • The Little Details

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

    ^Rate shown is the current three-year fixed rate for our Premium Home Loan.  Fixed rates for other products may vary. Fixed rates revert to the applicable variable rate upon expiry.

    *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. Valid for new loan applications received between 2nd September 2020 and 30th June 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.