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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.

Prudential disclosures mask

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

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2 mins
Notice of Annual General Meeting

The Annual General Meeting of Southern Cross Credit Union Ltd will be held on Tuesday, the 24th of November 2026, at the Southern Cross Credit Union Office, Level 2, 38–42 Pearl Street, Kingscliff commencing at 4pm (AEDT). The business of the meeting will be as follows: Agenda Opening by Chairperson ...

The Annual General Meeting of Southern Cross Credit Union Ltd will be held on Tuesday, the 24th of November...

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1 min
Nominations of Position of Director

Nominations are called for position on the Board of Directors of the Credit Union. In accordance with the Credit Union Constitution, Director Belinda Henry's and Director Alvaro Lozano’s current term of office expires at the 2026 Annual General Meeting to be held on Tuesday the 24th of November 2026 at...

Nominations are called for position on the Board of Directors of the Credit Union. In accordance with the Credit Union...

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4 mins
60 Years, The Story of Southern Cross Credit ...

This year marks 60 years of Southern Cross Credit Union, and we want everyone to know about it!   For six decades, we have continued to evolve with our customers, supporting them through every stage of their financial lives the ups, the downs, and everything in between. We have helped them...

This year marks 60 years of Southern Cross Credit Union, and we want everyone to know about it!   For six...

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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...

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My whole experience to switch to SCCU has been awesome. The initial face to face interview with Hari, the person on the phone I needed to talk to, plus the exchange on-line have been extremely pleasant, friendly & professional. It’s been a great all-round exchange.
Amadyin A
Steve Distant was very efficient, explained the process of changing banks and refinancing our loans very well. He was always available to answer questions and help at any time. Great service! I had some issues setting up fund transfers to other institutions so went to the local branch. The manager at Murwillumbah was delightful, listened carefully, understood the issue and suggested I set up the transfers in net banking rather than the app. This worked! The call centre staff have also been very helpful, happy to listen and help and very human in their interactions. Their advice has been excellent. We are extremely pleased with the individual, local branch and call centre services. Hopefully I won’t need to take up their time anymore now that I’ve mastered the SCCU banking processes. Thank you!
Karen H
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