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. Offer current as of 28 September 2020. Credit eligibility criteria, fees and charges, terms and conditions apply.

^#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 30th Sep 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.