Everyday Banking

Looking to sort out your Everyday Banking? Check out our Transaction and Savings Accounts, Term Deposits and Overseas Payment facilities. What are you looking for?

Looking to sort out your everyday banking?
We are the trusted partner for all your banking needs.

At Southern Cross Credit Union, we believe that managing your money should be simple. That’s why we offer a wide range of everyday banking accounts tailored to meet your needs. Whether you’re looking for an account for day-to-day transactions or a comprehensive solution to help you save and grow your money, we have the right one for you.

Explore our Transaction and Savings accounts, Term Deposits and International Payment facilities to learn more about how our everyday banking accounts can make your life easier.

Navigate our everyday banking accounts below or contact us today to get started.

Transaction Accounts

Manage your everyday money with an SCCU transaction account through Mobile Banking, Netbanking or your local branch.

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Transaction Accounts

Savings Accounts

Manage your savings with our interest earning savings accounts. What are your savings goals?

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Savings Accounts

Term Deposits

Not expecting to dip into your savings for a little while? Take a peek at our Term Deposits.

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Term Deposits

International Payments

Need to send or receive payments from overseas? We’ve partnered with Convera to bring you international payments direct from Netbanking!

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International Payments

Term Deposits

5.05

%
P.A

for 4 months* >$5K

Term Deposits

No Account Fees
Terms from 1 month +

Star Saver

1.25

%
P.A

Standard Rate

3.75

%
P.A

Bonus Rate^

Star Saver

Make unlimited transactions
No Monthly Account Fee
Linked to our Easy Access transaction account˜

Fees & Charges Deposit Interest Rate Schedule

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. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

*Southern Cross Credit Union Ltd. ABN 82 087 650 682 AFSL 241000. Advertised rate subject to change without notice. Eligibility criteria, fees and charges, terms and conditions apply. For new 4-month term deposits, you will earn an interest rate of 5.05%pa. when investing $5k or more. Term Deposit interest will be paid annually for terms greater than 12 months. For terms 6 months or greater you may select to have interest paid monthly into a separate savings or transaction account. If you choose to withdraw from your term deposit before the end of its term, you’ll need to give us 31 days’ notice and pay a $30 administration fee for the early redemption. It’s also important to note that this can affect the interest we pay you, with an early redemption interest rate of 0.10%p.a. applicable. When your term ends, you have a ‘Grace Period’ of seven calendar days to manage your term deposit, otherwise we will reinvest your balance for you for the same term, at the applicable advertised interest rate at the time.

^Star Saver customers with an increase in savings of $200 or more, per calendar month, will receive the additional bonus rate of 3.75% p.a. for the month where such balance growth was achieved. Bonus interest offer is subject to change without notice. The Standard Star Saver Base Interest Rate of 1.25% applies where balance growth was not achieved. Offer not available in conjunction with previous offers.

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

What Our Everyday Banking Accounts Offer

Our everyday banking accounts are designed to help you manage your finances from anywhere around Australia, at any time. Here is a sneak peek:

Easy Access to Your Money

With our Easy Access Transaction account, you’ll enjoy easy and convenient access to your money whenever you need it. You can make purchases, pay bills, and withdraw cash from ATMs across Australia. Plus, our online banking and mobile app platforms allow you to manage your account 24/7, making your everyday banking experience a lot easier.

Savings Made Simple
We have a range of savings accounts to help you make savings simple and a part of your everyday banking. Our Star Saver account is linked to our Easy Access Transaction account for easy money management while the Little Star Saver is ideal for the little ones, and the Star Saver – Controlled Money Account is dedicated to solicitors only.
Choose your preferred one and start saving today!

Competitive Rates on Our Term Deposits

Looking to securely grow your savings? Our T erm Deposits might be just what you have been looking for. With competitive rates, you can lock in your money for a fixed term and watch your savings grow steadily. It’s a secure and reliable way to invest your money as part of your everyday banking to help achieve your financial goals.

Send Money Around the World

Whether you have family overseas or need to make international payments for other reasons, we’ve got you covered. Our International Payments service is a secure, cost-effective, and efficient way to transfer money abroad with ease and peace of mind.

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

Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.

Rod and Suzy Cornelius

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

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

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

Banking That Evolves With You

A trusted banking partner of over 20,000 customers, we have been in operation and providing banking services since 1966. At SCCU, we take the time to listen to our customers and we are constantly evolving to better meet their banking needs.

Responsible and Relevant Banking
We keep people and conversations at the core of our business and everything we do is aimed at providing responsible and relevant banking to support our customers through their financial stages of life. As a proud community-driven organisation, we are genuine in our approach to ensure our customers and community are valued and truly matter.

Products Designed to Help You Succeed

We believe in banking that is easy to understand and that is why we keep things simple and efficient. We offer a range of financial products and services that are truly relevant and designed to help you achieve your goals, whether buying a home, starting a business, or simply managing your everyday banking needs.

24/7 Banking From Anywhere

Our online banking and mobile app allows you to manage your accounts, pay bills, and make transactions anytime, anywhere. Your money is always at your fingertips.

Enjoy Personalised Support

Enjoy personalised support at your choice of channel. We have a network of convenient Financial Service Centre locations throughout the Northern Rivers region, in NSW. A very responsive Customer Service Centre to give you the guidance you need over the phone, and an online form in case you need to contact us out of the office hours.

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What Our Everyday Banking Accounts Offer

Banking That Evolves With You

Get started with an online loan application