Supporting You Through COVID-19

Keep up to date on how we're responding to the COVID-19 situation

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Government Guaranteed Deposits

Did you know deposits are protected up to $250k per account holder through the Australian Government Financial Claims Scheme?

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Term Deposit Rates 1.80% for 12 months*

Let your money go to work with our new competitive rates on 5 month & 12 month term deposits

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Savings in
Safe Hands

Protect your savings with Government Guaranteed Deposits and earn 1.75% for 6 months. Available on new Star Saver accounts opened before the end of September.^

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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
Southern Cross Credit Union Named Australian Mutual of the Year

At the recent Australian Lending Awards, hosted by RFI Group, Northern Rivers based Southern Cross Credit Union (SCCU) were named Australian Mutual of the Year. Having been finalists for the previous 3 years, SCCU managed to go one further this year; crediting their customers, community and their team for...

At the recent Australian Lending Awards, hosted by RFI Group, Northern Rivers based Southern Cross Credit Union (SCCU) were...

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Least-cost Routing to Affect Tap-and-go Payments

A recent initiative by the Australian Government known as Merchant Routing has given merchants (eg, a shop or business) the ability to choose how your Visa Debit Card transactions are processed. When you use contactless payments (‘tap-and-go’ / PayWave) with your Visa Debit Card, the merchant may choose to send...

A recent initiative by the Australian Government known as Merchant Routing has given merchants (eg, a shop or business)...

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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.

    *If you invest a minimum of $100k as a new 12 month term deposit from 25th March 2020, you’ll earn an interest rate of 1.80%pa. Interest is paid at maturity. Interest rate is subject to change and may vary at any time without notice. Eligibility criteria, fees and charges, terms and conditions apply.

    ^ If you open a new SCCU Star Saver Account between 25 March 2020 and 30th September 2020, you’ll earn an introductory rate of 1.75% during the first six months of your account being opened. After the introductory period expires, the interest rate you’ll earn will revert to the standard rate, currently 1.50%. Eligibility criteria, fees and charges, terms and conditions apply. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme each bank, building society and credit union that is incorporated in Australia and authorised by APRA. The $250,000 guarantee limit applies in total cumulatively across all your SCCU accounts and not just to your Star Saver Account. Find out more at https://www.sccu.com.au/about-us/financial-claims-scheme/