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.

Product Disclosures

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
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Teaching Kids About Money: Why Starting Young...

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First Home Buyer: Purchasing your First Home

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My whole experience to switch to SCCU has been awesome. The initial face to face interview with Hari, the person on the phone I needed to talk to, plus the exchange on-line have been extremely pleasant, friendly & professional. It’s been a great all-round exchange.
Amadyin A
Steve Distant was very efficient, explained the process of changing banks and refinancing our loans very well. He was always available to answer questions and help at any time. Great service! I had some issues setting up fund transfers to other institutions so went to the local branch. The manager at Murwillumbah was delightful, listened carefully, understood the issue and suggested I set up the transfers in net banking rather than the app. This worked! The call centre staff have also been very helpful, happy to listen and help and very human in their interactions. Their advice has been excellent. We are extremely pleased with the individual, local branch and call centre services. Hopefully I won’t need to take up their time anymore now that I’ve mastered the SCCU banking processes. Thank you!
Karen H
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