Manage your cash flow, grow your savings, and invest with confidence using accounts tailored for business needs. Whether you’re handling daily transactions or planning for the future, we have got you covered.
Explore our business accounts options:
You’ll also find helpful tools such as calculators, wealth report and educational blogs to help you keep your business on track.
A transaction account to help make growing a business a little easier.
*Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Standard account fee of $10 per month is waived if you meet one of the following criteria: you are under 30 or deposit¹ at least $2k per month into the account or if you have $30k or more in deposits and/or loans with us.
A bonus interest savings account to help you grow your business savings.
^Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Advertised rate subject to change without notice. Where no withdrawals are made during the calendar month (with the last business day of the month at 5pm NSW time being the cut off), the bonus rate of interest will be applied in addition to the standard base interest rate of 4.20% p.a. Where a withdrawal is made during the calendar month, the interest payable for that month will only be the standard base interest rate of 1.00%p.a. The bonus rate is only payable on the first $2,000,000 balance. Additional balances over $2,000,000 will only receive the standard base interest rate. Combined account balances across all products cannot exceed $2 Million. The Bonus interest offer may be subject to change.
Designed for entrepreneurs and business owners looking to take advantage of competitive rates in a lock-in investment.
*Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Advertised rate subject to change without notice. For new 11-month term deposits, you will earn an interest rate of 5.10%p.a. when investing $5k or more. See full disclaimer and more details on product page.
Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241000. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.
Advertised rate subject to change without notice. Available for new business only.
Business Plus
*Standard account fee of $10 per month is waived if you meet one of the following criteria: you are under 30 or deposit¹ at least $2k per month into the account or if you have $30k or more in deposits and/or loans with us.
Business Star Saver
^Where no withdrawals are made during the calendar month (with the last business day of the month at 5pm NSW time being the cut off), the bonus rate of interest will be applied in addition to the standard base interest rate of 4.20% p.a. Where a withdrawal is made during the calendar month, the interest payable for that month will only be the standard base interest rate of 1.00%p.a. The bonus rate is only payable on the first $2,000,000 balance. Additional balances over $2,000,000 will only receive the standard base interest rate. Combined account balances across all products cannot exceed $2 Million. The Bonus interest offer may be subject to change.
Business Term Deposit
*Minimum deposit of $5k. 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.
¹Deposit must be from an external account.
Your trusted banking partner. With you across all your financial life stages.
Spend less time on admin and more time doing what you do best. Our business integrations like MYOB, Xero and Square making it easier to manage payments, accounting, and day-to-day banking. With everything connected, you can stay focused on your customers and boost your business growth.
What you’ll get:
Easily connect your Business Plus transaction account to MYOB or Xero for streamlined bookkeeping and better financial visibility.
Take payments, track sales, and manage your business from one place with Square, seamlessly integrated with your SCCU accounts.
Make it better with our Business Plus transaction account and bonus interest Business Star Saver account.
Supporting our people, customers and community for a better future.
Finance that supports your goals, with caring service every step of the way.
Explore our business loans and finance solutions:
Let us support your business journey with our relationship-focused approach.
Explore our competitive loans and flexible finance options to help you expand your business.
For those looking to start, buy or grow your own business.
*All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
^Advertised rate available to ≤75% LVR. At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
Buy a new or demonstrator vehicle with up to 4.5 tones Gross Vehicle Mass (GVM).
*All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
Help manage your cash flow and cover any unforeseen expenses.
*Advertised rate available for residential security. All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
Our Credit Union Guarantee offers a reliable alternative to traditional cash deposits or bonds. Tailored for businesses, this solution provides assurance to vendors, landlords, or suppliers, helping you secure new agreements or strengthen existing relationships.
Choose the option that suits your needs:
• Fixed expiry date for time-bound commitments.
• Open-ended guarantee for ongoing arrangements.
Plus, enjoy the benefit of earning interest on the guaranteed funds while your business stays agile and supported.
Contact Us To Start Learn More
Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.
Important: Available for new business only. All rates available for new business only and are subject to change without notice.
Business Loans
^Advertised rate available to ≤75% LVR. At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
Business Vehicle Loan
*Advertised rate is a secured fixed rate.
Business Overdraft
*Advertised rate available for residential security.
Join the SCCU community. Thousands of customers love our simple, transparent and caring customer approach, and we would love to welcome you too. Opening your business account or applying for a loan is easy. Contact us on 1300 360 744 and our friendly team will guide you through the process. Prefer to connect online? Please fill out the contact form below and we’ll be in touch shortly.
Take your time to explore each product and feature to find the solution that best suit your business needs.
Contact Us To Start
As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.
For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.
With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.
Learn More About Us
Xcell Health & Fitness opened in 2014 with a simple goal: to be an important part of the community, somewhere people could feel connected and supported.
Jason Thatcher was already a personal SCCU customer when he moved the business banking across in 2016. Then 2020 arrived. With COVID closing the gym for six months, there was no income and the bills kept coming. For SCCU, Jason says, it wasn’t just about numbers. It was about finding ways to support them through a hard time.
Today, Xcell has grown from 350 to 2,000 square metres, with 8 full-time employees and more than 40 contractors. Watch Jason’s story and see how we could support your business.
Explore Business Finance with SCCU
From your first transaction to lifelong investments, with you across all financial life stages.
