Business Banking

Your business backed with finance, deposits and everyday banking solutions.

Are you a small to medium business owner? Maybe a tradie, café owner or hairdresser? Our dedicated banking specialists can help you with lending, accounts, insurance and payment solutions.

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Business Banking

Organise your payments and manage your cash flow with our Business Banking products.

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Business Banking
Business Finance

Looking to start, buy or grow your own business? Access the money you need with our financing options.

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Business Finance
Overdraft

Our overdraft facilities can help manage cash flow and cover any unforeseen expenses.

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Overdraft
Merchant Facilities

Check out our Square Merchant Facilities, now with free processing on your first $1,000 of Sales1

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Merchant Facilities
Business Star Saver
1.25
%
P.A
Standard Rate^
3.80
%
P.A
Bonus Rate^
Business Star Saver
  • Make unlimited transactions
  • No monthly account fees
  • Linked to our Business Easy Access transaction account˜
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Square Merchant Facility
1.6%
per Insert, Tap or Swipe
2.2%
per Keyed-in or Online Transaction
  • No Monthly or Long-Term Contracts
  • Deposits as Fast as Next Business Day
  • Same Rate for all Major Cards
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Business Vehicle Loan
7.35%
%
P.A
Fixed Rate*
Business Vehicle Loan
  • Loan Amount from $20,000 – $150,000
  • Borrow up to 100% of Vehicle Cost
  • No Annual Fees
  • $8 Monthly Fee
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Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
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
I’m so thrilled we decided to have our team development day in SSCU’s Mirrabooka room. Toni and Zoe were extremely friendly and accommodating, they had everything set up for us by the time we arrived.  Jo loved the ‘state of the art’ IT system, her power point presentation and laptop integration worked like a breeze.  I also found the flip charts extremely useful for discussion notes.  The space was big enough for individual team sessions and intimate enough for everyone to hear. Morning tea and lunch worked seamlessly, we had everything we needed in the kitchen and the outside sundeck was delightful. The team loved the coffee machine! It certainly helped with the quiet times in our meeting! Overall the day was a huge success! Thank you so much for creating a local facility with the class and sophistication of the city! I look forward to seeing you all again soon. Deepest thanks Jude McColm  
Tweed Coast Plan Management
One of our lovely volunteers just returned from picking up leftover Daffodil Day merchandise from Jenny at First National. Jenny informed her that Southern Cross Credit Union was integral to their success in raising over $2,000. Thank you for supporting this event. I believe you also hosted a Pink event today- thank you also for that. It’s wonderful to have the support of local businesses. Funds raised help us support local cancer patients and their families and also contribute to research projects and advocating to government.
Cait
We chose to bank with our local SCCU for many reasons. The staff are very cheerful and helpful. It is an enjoyable in-branch experience at a convenient location. Opening hours are longer than most other banks in our area and they are open every weekday. We bank exclusively with SCCU for our personal, business and children's accounts. We have always been happy with their customer service and have recommended SCCU to our local sports club and school
Tony & Alisha
We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
We are finalists in the 2022 Northern Rivers ...

We are proud to announce that we have been named as finalists in the ‘Excellence in Large Business’ and ‘Excellence in Sustainability’ categories in the 2022 Northern Rivers Regional Business Awards. Our ultimate success is only possible because we have the backing and support of our team and customers, and...

We are proud to announce that we have been named as finalists in the ‘Excellence in Large Business’ and...

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American Express contributes an additional $1...
Community Grants,  2020,  Community Banking,  Business Banking,  Community

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an additional $10,000 on top of their $50,000 Community Grants program thanks to their international payments partner, American Express. Having tripled their contribution into the Grants program this year, SCCU CEO, Stuart...

Proving how businesses can come together to make a real impact, Southern Cross Credit Union (SCCU) today announced an...

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SCCU increase the level of financial support ...
News,  Business Banking,  Community,  Everyday Banking,  Personal Banking

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of $50,000 to be shared across applications from families, individuals, business and community groups. Community Grants is SCCU’s largest annual community program, generating enormous interest across the Northern Rivers. Living true to...

Southern Cross Credit Union announces more funding than ever before for their Community Grants program, with a total of...

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  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. 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. 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. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

    Eligibility criteria, fees and charges, terms and conditions apply.

    ^Business Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.80% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Business Star Saver Base Interest Rate of 1.25% applies where balance growth was not achieved. Offer not available in conjunction with previous offers. Combined account balances across all products cannot exceed $2 Million. Ability to accept direct credits. TMD available. 

    ˜ Business Star Saver account must be linked to our Business Easy Access transaction account which may incur a monthly fee if requirements are not met.

    1 Square will reimburse the payment processing fees on up to $1,000 in credit card transactions processed during the first 180 days from sign up. Limited-time offer valid only for Square customers located in Australia who apply online through the Southern Cross Credit Union website. Offer is not transferable or redeemable for cash. After the first 180 days, standard processing rates apply.

    Personal Loan:
    *The comparison rate for Personal Loans is based on a loan amount of $30,000 repayable over 5 years.
    ³Unsecured fixed rates available starting from 9.39%. Determined upon application and subject to applicant’s credit score.