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

2025 Annual Report

Our Annual Report reflects our ongoing commitment to our people, customers and community. It provides a clear and comprehensive overview of the key projects we have delivered , along with updates on governance, customer satisfaction, community support, cyber security measures, and financial performance.

As a customer-owned banking institution, this report reinforces our dedication to transparency and our credit union ethos, fostering open communication between our teams and our shareholders, who are our customers.

Click below to read our latest Annual Report.

Read our 2025 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
5 mins
Understanding Elder Financial Abuse

Sometimes the hardest conversations are the most important ones. Staying alert and talking about elder financial abuse isn’t easy, but it crucial to protecting the financial wellbeing of those who might be too vulnerable to protect themselves. Whether it’s a family member, a trusted friend, or even a stranger,...

Sometimes the hardest conversations are the most important ones. Staying alert and talking about elder financial abuse isn’t easy,...

Read More
5 mins
Recognising and Recovering from Financial Abuse

Taking back control starts with understanding what financial abuse is and how it can impact your life. Financial abuse happens when someone limits your access to money or controls your financial decisions, often leaving you without independence. It’s a form of domestic and family violence that can affect anyone, regardless...

Taking back control starts with understanding what financial abuse is and how it can impact your life. Financial abuse happens...

Read More
5 mins
Power of Attorney: Your Guide to Planning Ahead

Life doesn’t always go to plan. Illness, injury, or age-related changes can make it hard, or even impossible, to manage your finances or make important decisions. That’s why planning matters. Putting a Power of Attorney (POA) or Enduring Power of Attorney (EPOA) in place gives you peace of mind knowing...

Life doesn’t always go to plan. Illness, injury, or age-related changes can make it hard, or even impossible, to...

Read More
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
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