Easy banking

Manage your account anytime, anywhere with our online and mobile banking platforms. Or bank direct with us, in-person or on the phone.

Easy banking

Transparency

Access to relevant information about our banking products, regulatory updates, and financial approach helping customers stay confident on our strategic direction.

Transparency

Talk to real people

We are here for you. Give us a call, visit us in-person or message us via our app to experience customer service with a personal touch.

Talk to real people

2024 Annual Report

Our Annual Report is a reflection of our commitment to our people, customers and community.  It gives you a simple and yet comprehensive look at all key projects we’ve been working on, along with updates on our governance, customer satisfaction levels, community support, cyber security approach, and financial indicators.

As a customer-owned banking institution, our annual report is a powerful helping us promote transparency and stay true to our credit union ethos by fostering open communication between our teams and our shareholders – which are our customers.

Click below to read our latest Annual Report.

2024 Annual Report

Previous Annual Reports

Explore the Annual Reports from previous years for an overview on our banking journey, the impact we’ve made in our community and how we continue to responsibly support our customers.

Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.

Our Prudential Disclosures

As a regulated financial institution, we are required to share certain information with the public to ensure transparency and trust.
The prudential disclosures listed below outline important details such as our capital strength, risk management practices, and overall financial sustainability.

These disclosures are published in line with requirements set by the Australian Prudential Regulation Authority (APRA) and are designed to give customers, partners, and the wider community confidence in our governance and transparency in our financial strategy.

Stay Up to Date

View all blogs
2 mins
Notice of Annual General Meeting

Southern Cross Credit Union Ltd ABN 82 087 650 682 Notice of Annual General Meeting The Annual General Meeting of Southern Cross Credit Union Ltd will be held on 25th November 2025 at the Credit Union’s Corporate Service Centre, Corner Pearl and Turnock Streets Kingscliff commencing at 4pm. The business of the...

Southern Cross Credit Union Ltd ABN 82 087 650 682 Notice of Annual General Meeting The Annual General Meeting of Southern Cross...

Read More
3 mins
First Home Buyer: Purchasing your First Home

Ready to purchase your first home? Here’s what you need to know… The finish line is in sight! You’ve shortlisted your potential new homes and you’ve found the loan that’s right for you. So that means it’s time to understand applying for your loan, the purchase process and settlement!   Making an...

Ready to purchase your first home? Here’s what you need to know… The finish line is in sight! You’ve shortlisted...

Read More
4 mins
First Home Buyer: How does a home loan work?

Chances are you’ve been thinking about your first home for some time, and you already have a pretty good idea of what you’ll need to make this dream a reality. You’ve done the groundwork. You’ve built your budget; you’ve possibly secured assistance from one of the many Government-powered First...

Chances are you’ve been thinking about your first home for some time, and you already have a pretty good...

Read More
1 min
Nominations for Position of Director

Southern Cross Credit Union Ltd ABN 82 087 650 682 AFSL 241000   Nominations of Position of Director. Nominations are called for positions on the Board of Directors of the Credit Union. In accordance with the Credit Union Constitution, Suzie Slingsby, Patrick McIntosh and Jeremy Rutledge  are due to retire as Director(s) at the...

Southern Cross Credit Union Ltd ABN 82 087 650 682 AFSL 241000   Nominations of Position of Director. Nominations are called for positions...

Read More
As COVID hit some 3 years ago, I approached SCCU to re-align our financial position at both a personal and professional level with our business. Not only were your team receptive but with the assistance of SCCU not only did we make our way through COVID closures, but due to the support of SCCU we have evolved into an extremely sound business, and I would suggest a success story of the community banking that SCCU continues to deliver. Thank you for the support you offer to us as a local business and us as a local family of the area. Thank you, the entire team, at SCCU for being such an awesome part of the community whilst also being a great business to align with.
Jason
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor
We are writing to compliment SCCU for the excellent care, efficiency and exceptional customer service which we have received over the past many months of our build from Emma Northcott. Emma has combined professionalism, attention to details, accuracy, excellent communication and helpful consideration in managing our loan and the periodic payments requested by the builder. In our opinion she has gone above and beyond what we would have expected from a Lending Operations Specialist, and her handling of our account will highly contribute to our recommendations of SCCU to friends and family. Thanking you sincerely
Stan and Zetta Michaels