Access more

From your home equity with our

Line of Credit Loan

Products issued by Southern Cross Credit Union Ltd AFSL 241000.

Credit eligibility criteria, fees and charges, terms and conditions apply.

TMD available.

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Let’s talk
home loans

Lower rates, up to 8 offset accounts

and no ongoing fees.

 

Southern Cross Credit Union Ltd ABN 82 087 650 682 AFSL/Australian Credit Licence 241 000.

TMD available at sccu.com.au

Learn More

4.80%p.a.^

when you’re a Star Saver

^Standard base rate and bonus rates combined. Must grow balance by at least $200
to qualify for bonus rate otherwise only standard base rate 0f 1.05%pa will apply
for that month. Bonus interest rate offer is subject to change without notice.
TMD available. Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000.

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Make payments
securely from your
bank account

With PayTo®

 

PayTo® is a registered trademark of NPP Australia Limited ABN 68 601 428 737.

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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 $2,000 of Sales1

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Merchant Facilities
Star Saver
1.05
%
P.A
Standard Rate
3.75
%
P.A
Bonus Rate^
Star Saver
  • Make unlimited transactions
  • No Monthly Account Fee
  • Linked to our Easy Access transaction account˜
Premium Home Loan Owner Occupied (P&I)
5.73
%
P.A
Variable Rate
5.78
%
P.A
Comparison Rate*
Premium Home Loan Owner Occupied (P&I)
  • Loans from $250k
  • LVR less than 80%
  • For New Business Only#
Find Out More
Business Loans
5.84
%
P.A
3-Year Fixed Rate^
Business Loans
  • No Annual Fees
  • New Business Only#
  • <75% LVR
  • Residential Secured
Loan Interest Rate Schedule Savings Rate
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.

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

     

    Star Saver

    ^Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.75% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Star Saver Base Interest Rate of 1.05% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

    ˜ Star Saver account must be linked to our Easy Access transaction account which may incur a monthly fee if requirements are not met.

     

    Loans

    #All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice.

    *The comparison rate is based on a loan amount of $150,000 repayable over 25 years.

    ^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

    ˜Variable interest only option available for maximum five-year periods reverting thereafter to the P&I variable rate.

    WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

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Banking That Works for You!

Southern Cross Credit Union has been in operation and providing banking services since 1966. We employ over 80 people and are the trusted banking partner of over 20,000 customers. As a proud community-based organisation, everything we do is aimed at providing responsible and relevant banking to support our customers through their financial stages of life. We are genuine in our approach to ensure our customers and community are valued and truly matter.

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Service Centre 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
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