Personal Banking

Your Money, Your Future: Personal Banking Made Simple

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 travelling overseas. Speak with one of our personal banking specialists today or find out more about our personal banking products below.

Contact Us
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
Star Saver
1.05
%
P.A
Standard Rate^
3.75
%
P.A
Bonus Rate^
Star Saver
  • Make unlimited transactions
  • No Monthly Account Fee
  • Linked to our Easy Access transaction account˜
Find Out More
Premium Home Loan Owner Occupied (P&I)
5.73
%
P.A
Variable Rate
5.78
%
P.A
Comparison Rate*
Premium Home Loan Owner Occupied (P&I)
  • Loans from $250k
  • LVR less than 80%
  • For New Business Only#
Find Out More
Loan Rate Schedule Savings Rate
  • 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. 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.

    Star Saver

    ^Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.75% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Star Saver Base Interest Rate of 1.05% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

    ˜ Star Saver account must be linked to our Easy Access transaction account which may incur a monthly fee if requirements are not met

     

    Home Loans

    # 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.
    *The comparison rate is based on a loan amount of $150,000 repayable over 25 years.
    ^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
    ˜Variable interest only option available for maximum five-year periods reverting thereafter to the P&I variable rate.
    WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
    Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

     

Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
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
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
First Home Buyer: Purchasing your First Home
Purchasing Your First Home,  Applying For A Home Loan,  Property Settlement,  Home Loan Lending,  Buying Property In Queensland,  Owning First Home,  Insurance For Property,  First Home Buyer

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...

Read More
First Home Buyer: How does a home loan work?
Purchase First Home,  First Home Buyer Grants,  How Does A Home Loan Work?,  Comparing Home Loans,  Home Loan Interest Rates

Chances are you’ve been thinking about your first home for some time, and you already have a pretty good idea of what you’ll need to make this dream a reality. You’ve done the groundwork. You’ve built your budget; you’ve possibly secured assistance from one of the many Government-powered First...

Chances are you’ve been thinking about your first home for some time, and you already have a pretty good...

Read More
Sticking to your Financial Goals for 2025

With a new year, comes new year’s resolutions. Was one of your new year’s goals financially driven? If so, you are part of 52% of Australians who have set financial goals. However, only 1 in 8 of us manage to stick to them . In this blog, we look...

With a new year, comes new year’s resolutions. Was one of your new year’s goals financially driven? If so,...

Read More
First Home Buyer Firsts: Costs Involved
Buying Your First Home,  Home Loans For First Time Buyers,  First Buyer Home,  Buying A House,  First Home Buyer

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various government schemes/grants that are available to boost your deposit. Now it’s time to pull those resources together and go through the initial costs involved when buying a home and the possible...

We’re getting closer, can you feel it? Quick recap, we have looked at building a budget and the various...

Read More