Looking for an alternative to your current bank? We can help fulfill your personal banking needs including transaction & savings accounts, term deposits, international payments, home loans, personal loans, insurance and travel cards. Speak with one of our personal banking specialists today or find out more about our personal banking products below.

Home Loans

Explore our home loan products, ‘run your numbers’, apply for a pre-approval or simply find out more about the process.

Find Out More
Home Loans
Personal Loans

In need of a new car, home renovations or just a hard-earned holiday? Take a look at our personal loans.

Find Out More
Personal Loans
Everyday Banking

All the basics for managing your finances including transaction & savings accounts, term deposits and international payment facilities.

Find Out More
Everyday Banking
Insurance

Looking to protect your car, home or travels? We can help insure each of these and more. Get a Quick Quote today!

Find Out More
Insurance
Basic Home Loan
3.33
%
P.A
Variable Rate
3.38
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans up to $400k
  • Maximum LVR 80%
  • No Annual Fees
Find Out More
Star Saver
1.50%
%
P.A
Interest Rate
Star Saver
$0
Waived Monthly Account Fee#
$0
Minimum Balance
  • Make unlimited transactions without losing interest
Find Out More
You were professional to deal with and responded to my queries promptly. Initially I was concerned about changing to a non-bank lender, especially one outside Sydney, but you came recommended so we decided to go with you. I am now very happy that we moved to the Southern Cross Credit Union. We should have done it years ago.
Robyn
Healthy Homes

Home isn't just the place we live in. It's the place we return to, a place that makes us feel secure and sheltered and safe. However, pollutants (including bacteria and spores) and allergens may be present in the air that circulates your home; here we look at common home...

Home isn't just the place we live in. It's the place we return to, a place that makes us...

Read More
How to Prevent a Fire in Your Home

Thousands of house fires occur across Australia every year, sometimes with the catastrophic consequence of the death of residents. Here's what you can do to prevent that from happening in your home. Home fires can pose a serious risk to you, your family, your home, and your possessions. Some of...

Thousands of house fires occur across Australia every year, sometimes with the catastrophic consequence of the death of residents....

Read More
How to Keep Your Home Secure this Holiday Season

Even with overall burglary numbers falling, in 2017 over 170,000 Australian homes were burgled. Here are some ways you can help keep your home secure.  There was a 7% reduction in the number of burglaries across Australia from 2016 to 2017 and the absolute number of burglaries in Australia in...

Even with overall burglary numbers falling, in 2017 over 170,000 Australian homes were burgled. Here are some ways you...

Read More
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. 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. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

    * The 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.

    # Standard account fee of $6 per month is waived for under 21’s; if your account balance remains over $3k; or if you have over $30k total in deposits and/or loans with us