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.

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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
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
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Star Saver
1.50%
%
P.A
Interest Rate
Star Saver
$0
Waived Monthly Account Fee#
$0
Minimum Balance
  • Make unlimited transactions without losing interest
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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
Car Colour Resale Value

When putting a car on the second hand market, sellers most often include dealership service history, low km’s, optional extras and high quality aftermarket parts as perks that differentiate their cars from offerings; all of which can determine price. However, there’s one thing that effortlessly defines a good used...

When putting a car on the second hand market, sellers most often include dealership service history, low km’s, optional...

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Choosing the Right Car For You

Whether you’re a car enthusiast or not, buying a car is a big and important milestone. Apart from making daily to-dos much easier, a car gives you freedom, and that's one of the most important upsides of car ownership. However, to get everything right, car buying is a process...

Whether you’re a car enthusiast or not, buying a car is a big and important milestone. Apart from making...

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Do I need to service my car with the car dealer?

A dilemma that often plagues car owners is whether a dealer’s service is truly the best or if it’s all just a gimmick. Without a doubt, dealer-based car service is done by highly trained professionals, but is it enough to justify the cost difference? On the other hand, independent mechanics...

A dilemma that often plagues car owners is whether a dealer’s service is truly the best or if it’s...

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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.

    # 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