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
2.78
%
P.A
Special Offer Variable Rate <80% LVR^
2.79
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • Waived Establishment Fee^
  • For New Business Only^
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Term Deposits up to
1.15%
%
P.A
for 4 months#
Term Deposits up to
  • No Account Fees
  • Minimum Deposit of $100k
  • Terms from 1 month +
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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
Buying Your First Home

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process you may go through as a buyer from saving a deposit, to settling on your new home. Doing your research is essential to getting the right outcome from your property...

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process...

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Paid the Wrong Account: What Now?

Did you know that if you make a Mistaken Internet Payment, there is a real risk of losing your money, regardless of who you bank with? What is a Mistaken Internet Payment?​ A Mistaken Internet Payment happens when you transfer money to an unintended recipient using the 'Pay Anyone' function in...

Did you know that if you make a Mistaken Internet Payment, there is a real risk of losing your...

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Lenders Mortgage Insurance (LMI) Explained

Achieving the dream of home ownership can be one of the most exciting times in your life. At times however, it can seem unattainable due to how long it takes to save a deposit. Lenders' Mortgage Insurance (LMI) enables us to accept deposits less than 20% for some home...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times...

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Travel Money – What are my Options?

Security. Accessibility. Exchange rates. Hidden costs! These are all things we worry about when considering how to pay for expenses when travelling overseas. Whether you are a first time traveller or a seasoned nomad, assessing the options available before setting foot on the plane can make a big difference to...

Security. Accessibility. Exchange rates. Hidden costs! These are all things we worry about when considering how to pay for expenses...

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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 4 months.

    ^Available for new business only. Interest rate valid for new loan applications received between 1st April 2020 and 31st July 2020. Establishment Fee waiver applies to new loan applications received between 9th June 2020 and 31st August 2020.  Offers not available for switching of existing SCCU home loans or to applicants for another SCCU home loan fully approved prior to 1st April 2020. Not available through Broker introduced business.