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Personal Loan - New Car loan

Get your new car

Hit the road with confidence with our New Vehicle Loan. Enjoy competitive rates, easy online applications, and local support when you need it.

 

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Save for your little ones

Building a nest egg for your child is easy with our high-interest Little Star Saver account that rewards you for growing your balance, no hidden fees.

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Set and let your money grow

Whether you’re planning ahead or enjoying retirement, our Term Deposits offer stable returns and the confidence of a trusted Credit Union.

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Enjoy your own home

Whether you’re buying, building, or refinancing, our range of feature-packed home loans make it easier to find the right fit for your life and budget.

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Stay cool with

seriously hot rates

From your first home to your forever home, our flexible home loans are designed to fit your lifestyle.

  • Link up to 8 Easy Access transaction accounts with our offset feature to save on interest and pay off your loan faster.
  • Choose a variable rate or fix it for up to 5 years, giving you clarity and control over your repayments as life changes.
Explore our Home Loans

Everyday banking,

made easy

Your money, your way – fast, simple, and secure. Enjoy all the features you need to make everyday banking effortless:

Key Features:

  • Fast payments with Osko, PayID, and PayTo.
  • Confirmation of Payee for added security.
  • Smart online and mobile banking platforms.
  • Real people ready to help, in-branch or on the phone.
Bank Your Own Way

best transaction accounts

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

Why SCCU?

As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.

For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.

With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.

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The Credit Union Way

We’ve been around since 1966. Long enough to know a thing or two about banking, but not so long to forget what brought us here.

We’re committed to being transparent, accountable, and acting with integrity across every part of our organisation. All while honouring our Credit Union ethos to care for our people, customers and community.

With over 70 local team members and 20,000+ customers, we follow clear frameworks to manage risk, compliance, and finance, and we strictly adhere to all relevant laws and regulations. As part of the Customer Owned Banking Code of Practice, we hold ourselves to the highest standards of ethical business and service.

Our Promises To You

 

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
Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have.We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team.Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her.I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.
Peter & Melissa
SCCU is an awesome place to work. I joined back in 2017 and was quickly drawn to how quickly the business was moving forward and embracing change. I had no previous experience in the Banking and Financial industry, but SCCU recognised my transferable skillset and gave me the opportunity to learn the rest on the job. The business is dynamic, always presenting new opportunities and you genuinely get a sense that you can make a difference, to the business and it’s customers.
James

Let's Do a Better Banking Together

Community

As a customer-owned bank rooted in the Northern Rivers, we’re here to create meaningful change in the communities we live and work in.

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Community

Sustainability

We recognise the need to act and are committed to making a positive impact for a more sustainable future that benefits generations to come.

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Sustainability

Awards

These awards highlight our commitment to responsible, competitive, and customer-first banking, helping more people access their dreams.

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Awards

Assistance

We are here for you. We understand that financial difficulties can feel overwhelming and that’s why our friendly team is here to support you.

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Assistance
  • Important Information

    Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000. 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. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.

    Important: Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.
    Advertised Interest rates subject to change without notice.

    Home Loans (Owner Occupied and Investment)
    ^At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.

    *The comparison rate is based on a loan amount of $150,000 repayable over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    ~Variable Interest Only option available for maximum five-year periods reverting thereafter to the P&I variable rate.

    Home Loans (Professionals Eligibility Criteria)
    Eligible applicants on the professionals list can access premium rates for loans with 80-95% LVR. In addition, these professionals will receive an
    LMI waiver for loans up to 90% LVR. To access additional benefits such as premium interest rates and no requirement for Lender’s Mortgage Insurance for loans up to 90% loan to value ratio at least one applicant must be employed as a:

    Medical & Health Professional:     Anaesthetists, Chiropractors, Dental Practitioners, Dermatologists, General Practitioners, Obstetricians/Gynaecologists, Ophthalmologists, Optometrists, Paediatricians, Pathologists, Pharmacists, Physicians, Physiotherapists, Psychiatrists, Radiation Oncologists, Radiologists, Surgeons, Veterinary Practitioners. Medical & Health Professionals must be a current registered member of the Australian Health Practitioner Regulation Agency (AHPRA). Target Market Determination Premium Fixed Rate Home Loan

    Legal & Financial Professionals: Solicitors, Lawyers, Barristers, Actuaries, Financial Analysts, Accountants Finance professionals must be practicing and a current registered member of an eligible professional institute. Legal professionals must be practicing and hold a current certificate with an acceptable state body.

Start your loan journey with confidence

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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...

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You’ve had the dream home in your head for years. Sure, the couch colour has changed a few times, the pool has got bigger, and you’re still teetering between kitchen styles but now the time has finally come and you’re ready to buy your very first home with a...

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