Put a Spring in Your Step with $2K Cashback on Us!

Take out a SCCU Home Loan before 3rd November and receive $2k Cashback*, plus 10% off LMI^

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Protect What Matters Most

Purchase new Allianz Home and Contents, Landlord or Comprehensive Motor Insurance through SCCU by 3rd November for a chance to WIN a $5,000 account top up. # Terms and Condition's Apply.

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Voting Open for 2020 Community Grants Finalists

The finalists have been announced! Learn more about their goals and cast your vote to show your support for the small, the big and the even bigger! Voting Closes 30th October.

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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 Awards6

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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
Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR 5
2.83
%
P.A
Comparison Rate 7
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only5
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Premium Home Loan
2.39
%
P.A
3 Year Fixed Rate5
3.11
%
P.A
Comparison Rate7
Premium Home Loan
  • Loans from $250
  • Maximum LVR 95%
  • For New Business Only5
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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
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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
A look at our 2020 Community Goals Partners – Australian Seabird Rescue Edition!

Australian Seabird Rescue (ASR) is a grass-roots community group with a passion for coastal wildlife rescue and conservation. With branches along the coastline of New South Wales and sister-groups around the country, ASRs strategic objective is to reduce the human impact on wildlife through rescue, research and education. ASR members...

Australian Seabird Rescue (ASR) is a grass-roots community group with a passion for coastal wildlife rescue and conservation. With branches...

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American Express contributes an additional $10,000 into SCCU Community Grants, bringing the total amount up to a massive $60,000

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an additional $10,000 on top of their $50,000 Community Grants program thanks to their international payments partner, American Express. Having tripled their contribution into the Grants program this year, SCCU CEO, Stuart...

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an...

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SCCU 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

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  • The Little Details

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

    *Cashback offer only available for new purchase or refinance, on owner occupied, principle & interest, Basic, Standard & Premium Home Loans with a minimum loan amount of $250k. Residential properties only. Cashback cannot be used towards serviceability of the home loan and is not available through Broker introduced business or for existing SCCU Home Loans. Valid for new loan applications received from 28 September 2020 to 3 November 2020 and settled by 31 January 2021. Cashback will be deposited into an Easy Access account linked to the home loan within 60 days of settlement. Maximum $2k cash back per customer. ^LMI discount only available for first 20 new applications received, with over 80% LVR, from 28 September 2020 to 3 November 2020 and settled by 31 January 2021, with the exclusion of Broker introduced business. Offer current as of 28 September 2020. Credit eligibility criteria, fees and charges, terms and conditions apply.

    #Terms and Conditions apply. SCCU acts for the insurer Allianz Australia Insurance Limited. Before making a decision please consider the PDS and key facts sheet available at sccu.com.au. Competition open to Australian residents over the age of 18 who purchase a new Allianz Home and Contents, Landlord or Comprehensive Motor Insurance policy through Southern Cross Credit Union from 28/09/20 to 03/11/20. Prize is drawn on 09/11/20 at Anisimoff Legal Suite 5, Erina Plaza, Central Coast Highway, Erina NSW 2250. Winner’s name published in The Australian on 16/12/20.  ACT Permit No: TP20/01253, Promotion terms and conditions available at https://www.sccu.com.au/promotional-terms-conditions Promoter is Southern Cross Credit Union.

    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

    3We aim to make the application process simple and give every applicant an equal opportunity to produce a quality application. Within your application, you can also outline the amount you are applying for as the SCCU Grants Program provides between $1k and $20k to successful applicants, awarded amount limits stated are subject to change. Applications close 30th September 2020.While we welcome individuals, businesses, families and community groups to consider applying, unfortunately the following are ineligible for support through this program:
    • Individual pursuits such as debt repayments, travel or ongoing medical treatment
    • Events where another financial institution, bank or insurance competitor are a sponsor
    • Programs that could be detrimental to public health or safety, discriminatory, or offensive to the community
    • Projects of a political or religious nature
    • Events that encourage smoking, substance abuse, irresponsible alcohol consumption or gambling
    • Organisations and events outside the Northern Rivers Region
    See SCCU Grants page for additional T&C’s

    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. Interest rate valid for new loan applications received between 1st April 2020 and 3st Oct 2020. Offers not available for switching of existing SCCU home loans or to applicants for another SCCU home loan fully approved prior to 1st April 2020. Not available through Broker introduced business. Interests Rates subject to change.

    6SCCU were awarded Mutual of the Year at the Australian Lending Awards, granted by RFI Group.

    7The 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.