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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.

TMD page

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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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