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.

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Home Loans

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

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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.

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Personal Loans
Everyday Banking

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

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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!

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Insurance
Premium Home Loan
1.99
%
P.A
4 Year Fixed Rate
2.91
%
P.A
Comparison Rate*
Premium Home Loan

Loans from $250k
No Annual Fees and no Establishment Fee^
For New Business Only~

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Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR
2.83
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans from $250k
  • No Annual Fees and no Establishment Fee^
  • For New Business Only~
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Term Deposits up to
0.50%
%
P.A
for 12 months#
Term Deposits up to
  • No Account Fees
  • Minimum Deposit of $100k
  • Terms from 1 month +
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Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.      
Peter & Melissa
We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school
Tony & Alisha
We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
I really appreciate the warm service at SCCU Byron Branch that makes popping in to do some banking surprisingly enjoyable. The friendly atmosphere has really encouraged me to make some big personal savings towards my goals and I like knowing my money is invested locally. SCCU works for me!
Jedd
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
What is compound interest and how is it calculated?
Savings,  Pay,  Earn,  Banking,  Financial Faq,  Interest,  Growth,  Money Smart

Interest is the money paid to you by your financial institution to reward you for banking your savings dollars with them. Compound interest is the simple equation which could help amass more dollars in your savings account. Albert Einstein referred to compound interest as the 8th wonder of the world...

Interest is the money paid to you by your financial institution to reward you for banking your savings dollars...

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What is negative and positive gearing?
Postive Gearing,  Negative Gearing,  Property,  Tax Deduction,  Policy,  Investment,  Home Loan

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard the term ‘negatively geared’. Of course, as balance would have it, there is also another relative concept called ‘positively geared’. Put simply, negative gearing is where you’ve borrowed money to invest,...

When tuning in to media coverage around property and particularly investment properties, there is a good chance you’ve heard...

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How can I earn interest on my money?
Interest,  Growth,  Term Deposit,  Money Smart,  Trasaction,  Superannuation,  Planning,  Saving

Earning interest on your money is one of the ways you can begin to grow wealth and have your savings working for you, whether you’re saving for something specific such as a holiday or a deposit on a house, or you’re just setting aside some ‘rainy day’ money. There are...

Earning interest on your money is one of the ways you can begin to grow wealth and have your...

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What are some of the ‘extra’ payments when buying a house?
Fees,  Transfer,  Dream Home,  Costs,  Stamp Duty,  Offset,  Lending,  Investment,  Insurance,  Home Loan

You’ve been following the market, looking at mortgage calculators, and you’ve got your eye on a house you’d like to make your home. The problem is, you’ve been fixated on the cost of the house. You know how many hundred thousand you’re willing to pay for it, but you may...

You’ve been following the market, looking at mortgage calculators, and you’ve got your eye on a house you’d like...

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  • 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.

    #Fixed Rate is based on a deposit of $100,000 or greater for 12 months.

    ^Apply by 31 January 2021, settle by 31 March 2021 and we’ll waive our $699 Establishment fee on all Owner Occupied and Investment Home Loans.

    ~Available for new business only. Valid for new loan applications received between 2nd September 2020 and 31st January 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.