Easy banking

Manage your account anytime, anywhere with our online and mobile banking platforms. Or bank direct with us, in-person or on the phone.

Easy banking

Transparency

Easy access to all relevant information about your banking products and features helping customers make confident, better-informed decisions.

Transparency

Talk to real people

We are here for you. Give us a call, visit us in-person or message us via our app to experience customer service with a personal touch.

Talk to real people

Loan Rates, Charges and Fees

This section brings together all the key information you need to understand our range of loan products and how they work. Here you’ll find details on our home, investment, business, and personal loans, including current interest rates, fees, and charges.

Fees, charges & interest rates

Understanding home loans

Loan Product Disclosures

You can also access important documents like our Credit Guide, loan contracts, and fact sheets, which explain your rights and responsibilities as a borrower. Whether you’re comparing loan options or looking for the finer details of your agreement, this section is here to help you make informed decisions with confidence.

Important Disclosures

Your Privacy

Privacy Notice

Why we collect your data and how it’s used is listed in our Privacy Notice.

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Privacy Notice

Privacy Policy

Understand your rights and how we manage and safeguard your information by reading our Privacy Policy.

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Privacy Policy

Job Applicants

Our Privacy Notification for Job Applicants shows how we collect and use information from job applicants.

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Job Applicants

Info We Collect

Explore our Types of Personal Information We Collect to understand what kinds of personal data we collect and why.

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Info We Collect

Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.

Deposit Product Disclosures

Accounts Rates, Charges and Fees

This section provides everything you need to know about our transaction, savings, business, and term deposit accounts. You’ll find current interest rates, fees, and charges for products that are available to new customers and products that are No Longer For Sale (NLFS). Whether you’re opening a new account or reviewing the finer points of your existing one, this section is designed to give you clear, transparent information to support your banking decisions.

Fees, charges & interest rates

Accounts Product Disclosures

If you’re wanting to understand the finer details of our everyday banking accounts and features, here we have important documents such as our Summary of Accounts for both our current products available to new customers and other products no longer offered. In addition, terms and conditions for specific services and features, our Financial Services Guide and more. We recommend reading these to gain even deeper understanding of what’s available to you.

Important Disclosures

Product Disclosures - Everyday Banking

Other Disclosures

Consumer Data Right

Consumer Data Right (CDR) legislation is incorporated under our Open Banking Policy, is intended to provide greater choice and control for Australians over how their data is used and disclosed.

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Consumer Data Right

Digital Wallet and Card Use

Further details for when using your SCCU card in digital wallets with Apple Pay or Google Pay devices are available via our Digital Wallet and Card Conditions of Use.

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Digital Wallet and Card Use

Industry Code of Practice

The Customer Owned Banking Code of Practice (COBCOP) is the industry code for Australia’s customer owned banking institutions (i.e. mutual banks, credit unions and building societies).

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Industry Code of Practice

Our Promises - COBCOP

Our key promises to our customers in alignment with the Customer Owned Banking Code of Practice (COBCOP) are available under the The Customer Owned Banking Code of Practice – Our Promises.

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Our Promises - COBCOP

Financial Claim Scheme

We meet the same strict standards as all Australian financial institutions, under the Banking Act with oversight by the Australian Prudential Regulation Authority (APRA).

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Financial Claim Scheme

Target Market Determination

A Target Market Determination(TMD) helps you understand who a product is designed for and whether it suits your needs, objectives, and financial situation.

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Target Market Determination

Our Corporate Governance

We are committed to maintaining a transparent and accountable approach to Corporate Governance across all areas of our organisation.

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Our Corporate Governance

Prudential Disclosures

Our prudential disclosures highlight what we have been doing in recent years including financial performance and business improvements.

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Prudential Disclosures

Stay Up to Date

View all blogs
3 mins
First Home Buyer: Purchasing your First Home

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...

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4 mins
First Home Buyer: How does a home loan work?

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...

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4 mins
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,...

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5 mins
First Home Buyer Firsts: Costs Involved

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...

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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
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor
We are writing to compliment SCCU for the excellent care, efficiency and exceptional customer service which we have received over the past many months of our build from Emma Northcott. Emma has combined professionalism, attention to details, accuracy, excellent communication and helpful consideration in managing our loan and the periodic payments requested by the builder. In our opinion she has gone above and beyond what we would have expected from a Lending Operations Specialist, and her handling of our account will highly contribute to our recommendations of SCCU to friends and family. Thanking you sincerely
Stan and Zetta Michaels