It’s Time to Enjoy the Little Things

With reduced fixed rates available across Owner Occupied & Investor Home Loans and no annual fees , now's the time to jump in and find that dream home with Australia’s Mutual Lender of the Year!*

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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 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
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
  • 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
  • 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
Your home in 2021 — love, list or buy?

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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Banking Re-imagined has Arrived in Lismore & Mullumbimby

Australia’s Mutual Lender of the Year, Southern Cross Credit Union (SCCU) has re-opened the doors to their redesigned Lismore and Mullumbimby Financial Service Centre (FSC) and it’s catching local attention. At a time when many have had to pull back on spending, SCCU is doing the opposite. Reinvesting into the...

Australia’s Mutual Lender of the Year, Southern Cross Credit Union (SCCU) has re-opened the doors to their redesigned Lismore...

Read More
Your home in 2021 — love, list or buy?

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...

Read More
What is negative and positive gearing?

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.

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

    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. Valid for new loan applications received between 2nd September 2020 and 28th February 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.