Easy Access 50+

You’ve earned it.

An interest-earning transaction account
for customers 50 and over.

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Send Fast Payments

with Osko and PayID

 

Start enjoying the benefits of Fast Payments with your transactions today.

 

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Get a $150 eGift card*

While you’re looking at loans, get prepared by taking out

an eligible insurance policy and be rewarded.

*T&Cs and minimum premiums apply. Insurance issued by Allianz Australia
Insurance Limited.
Consider the PDS from www.sccu.com.au . The relevant
Target Market Determination is available by calling 1300 360 744

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Up to 5.00%p.a.*

Time to Star Saver

*Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000.
^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. The Standard Star Saver
Base Interest Rate of 1.25% applies where balance growth was not achieved. Offer not
available in conjunction with previous offers.
TMD available.Australian Credit Licence 241000

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
Premium Home Loan Owner Occupied (P&I)
6.09
%
P.A
3-Year Fixed Rate
6.42
%
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
Star Saver
1.25
%
P.A
Standard Rate^
3.75
%
P.A
Bonus Rate^
Star Saver
  • Make unlimited transactions
  • No Monthly Account Fee
Business Loans
6.49
%
P.A
3 Year Fixed Rate
Business Loans
  • No Annual Fees
  • New Business Only#
  • <75% LVR
  • Minimum Loan Amount $50k

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.

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
First Home Buyer Firsts: Budget

You’ve got that first home buying fever; the excitement is real. In a perfect world, we could just make this big decision and hit the green button. However, there’s a bit more that goes into the home buying process, and we are firm believers that prior preparation for this...

You’ve got that first home buying fever; the excitement is real. In a perfect world, we could just make...

Read More
The Pinched Purse

The warmer days sees us breaching the confines of comfort and embrace the spoils of summer.  As our holiday bodies begin to make their comeback, generally our “purses” start getting a little bit tight. This year, there’s been uncertainty amongst consumers due to interest rate rises and the cost-of-living pressures....

The warmer days sees us breaching the confines of comfort and embrace the spoils of summer.  As our holiday...

Read More
First Home Buyer Firsts: Costs Involved

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various government schemes/grants that are available to boost your deposit. Now it’s time to pull those resources together and go through the initial costs involved when buying a home and the possible...

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various...

Read More
First Home Buyer Firsts: Government Grants

You’ve had the dream home in your head for years. Sure, the couch colour has changed a few times, the pool has got bigger, and you’re still teetering between kitchen styles but now the time has finally come and you’re ready to buy your very first home with a...

You’ve had the dream home in your head for years. Sure, the couch colour has changed a few times,...

Read More
  • The Little Details

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

    ^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. The Standard Star Saver Base Interest Rate of 1.25% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

    *Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Advertised rate subject to change. Eligibility criteria, fees and charges, terms and conditions apply. For new 3-month term deposits, you will earn an interest rate of 4.80%pa. when investing $5k or more. Term Deposit interest will be paid annually for terms greater than 12 months. For terms 6 months or greater you may select to have interest paid monthly into a separate savings or transaction account. If you choose to withdraw from your term deposit before the end of its term, you’ll need to give us 31 days’ notice and pay a $30 administration fee for the early redemption. It’s also important to note that this can affect the interest we pay you, with an early redemption interest rate of 0.10%p.a. applicable. When your term ends, you have a ‘Grace Period’ of seven calendar days to manage your term deposit, otherwise we will reinvest your balance for you for the same term, at the applicable advertised interest rate at the time.

    #All rates available for new business only. Credit eligibility criteria, terms and conditions, fees and charges apply. * The comparison rate is based on a loan amount of $150,000 repayable over 25 years. 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.