$50K in Community Grants - Applications Open!!

Open to individuals, families, businesses and community groups to deliver more support than ever before! Eligibility criteria applies 3

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Refinance with SCCU & You Could Save

We’re waiving our Establishment Fee on all Home Loans when you refinance from another lender before 31st August!#

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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 Awards^

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International Payments just got more rewarding!

Your next International Payment of at least AU$1,000 made with SCCU could win you 1 of 15 x $1,000 Coles gift cards from 27 July to 30 September 2020*. T&Cs apply.

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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
SCCU increase the level of financial support to provide $50,000 in Community Grants

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of $50,000 to be shared across applications from families, individuals, business and community groups. Community Grants is SCCU’s largest annual community program, generating enormous interest across the Northern Rivers. Living true to...

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of...

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Together we can do more – SCCU & Positive Change for Marine Life team up!

We’ve loved every minute of getting our hands dirty with Positive Change for Marine Life (PCFML) as a part of their River Warriors initiative and with the news of our new 3 year partnership – we couldn’t be prouder! Making a difference is incredibly important to who we are at...

We’ve loved every minute of getting our hands dirty with Positive Change for Marine Life (PCFML) as a part...

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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.

    * Motor Scout Australia Pty Ltd 2020. ABN 53 625 619 347. Access to the increased instant asset write-off threshold from $30K-$150K is subject to terms outlined by the Federal Government stimulus package and includes businesses with aggregated annual turnover of less than $500M (up from $50M) until June 30, 2020. Only applicable to eligible businesses and for eligible assets. Visit https://lnkd.in/gvmdEQ2 for full details. Credit eligibility criteria, fees and charges, terms and conditions apply. If you purchase a vehicle through Motor Scout, we may receive a commission.

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

    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

    #Available for new business only. Interest rate valid for new loan applications received between 1st April 2020 and 31st July 2020. Establishment Fee waiver applies to new loan applications received between 9th June 2020 and 31st August 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.

    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