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What’s a 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. It outlines how you can access the product, any conditions for distribution, and when we may need to review the product offering.

Each TMD includes:
• The type of customer the product is for.
• How and when it can be distributed to customers.
• When the product and TMD should be reviewed by us.
• And (for some products) information third-party distributors must provide.

TMDs should be read alongside product terms, conditions, and disclosure documents to help you decide if a product is right for you.

Find the Target Market Determinations For Your Product

See if our banking products are a good fit, you can read and download the target market determination for any product you’re interested in.

Understanding your financial needs to find the perfect match. Enjoy peace of mind knowing we are your trusted banking partner.

Discover other important information

Product Disclosures

Our product disclosures contain important information, such as interest rate schedules and terms and conditions, to help you better understand our products and services.

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Product Disclosures

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

Consumer Data Right

Consumer Data Right (CDR) legislation, known as Open Banking, 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

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

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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