Southern Cross Credit Union
Every product Southern Cross Credit Union publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 10 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
- Australian credit licence and AFS licence 241000, held by Southern Cross Credit Union Ltd; credit licence since 6 December 2010. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
32 products in 7 categories
Southern Cross Credit Union's rates today
Southern Cross Credit Union's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Southern Cross Credit Union sits among every institution's best
| Rate | Southern Cross Credit Union | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 5.93%BROKER HOME LOAN | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.34%BROKER HOME LOAN | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 5.20%LITTLE STAR SAVER | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%TERM DEPOSIT | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 8.24%EMONEY SECURED PERSONAL LOAN | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Business savings accountEach institution's best interest-paying business account, base plus any bonus | 5.20%BUSINESS STAR SAVER | 5.40%Great Southern Bank Business+'s Business+ Saver | 0.55%of 34 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.30%BUSINESS TERM DEPOSIT | 5.70%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
| Business overdraftLowest advertised rate; most are variable | 8.50%BUSINESS OVERDRAFT | 8.24%IMB Bank's Commercial Credit line | 10.06%of 12 institutions |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.33%BUSINESS LOAN | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions |
Southern Cross Credit Union home loan repayments
Repayments at Southern Cross Credit Union's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableBROKER HOME LOAN5.93%6.28% comparison$3,570a month
$685,324 in interest, $1,285,324 repaid in all
- 1-year fixedBROKER HOME LOAN6.14%6.30% comparison$3,651a month
$714,535 in interest, $1,314,535 repaid in all
- 2-year fixedBROKER HOME LOAN6.24%6.34% comparison$3,690a month
$728,545 in interest, $1,328,545 repaid in all
- 3-year fixedBROKER HOME LOAN6.34%6.40% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 5-year fixedBROKER HOME LOAN6.64%6.59% comparison$3,848a month
$785,215 in interest, $1,385,215 repaid in all
- Investor variableBROKER HOME LOAN6.13%6.48% comparison$3,648a month
$713,137 in interest, $1,313,137 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Southern Cross Credit Union's own calculator: confirm the rate with Southern Cross Credit Union before you apply.
Southern Cross Credit Union home loan rates
Compare across banks7 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 5.93%, with a comparison rate of 6.28%, on its BROKER HOME LOAN: the lowest of 104 lenders.
- BRIDGING HOME LOAN
- Features
- offset, redraw, extra repayments
- BROKER HOME LOAN
- Variable (owner occ. P&I)
- 5.93%, 6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.14%, 2 yrs 6.24%, 3 yrs 6.34%, 4 yrs 6.54%, 5 yrs 6.64%
- EMONEY HOME LOAN
- Variable (owner occ. P&I)
- 5.93%, 6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.14%, 2 yrs 6.24%, 3 yrs 6.34%, 4 yrs 6.54%, 5 yrs 6.64%
- LINE OF CREDIT
- Max LVR
- 80%
- Annual fee
- $360
- LJH 5STAR HOME LOAN
- Variable (owner occ. P&I)
- 5.93%, 6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.14%, 2 yrs 6.24%, 3 yrs 6.34%, 4 yrs 6.54%, 5 yrs 6.64%
- PREMIUM HOME LOAN
- Variable (owner occ. P&I)
- 5.93%, 6.28% comparison
- Variable (investor P&I)
- 6.13%
- Fixed
- 1 yr 6.14%, 2 yrs 6.24%, 3 yrs 6.34%, 4 yrs 6.54%, 5 yrs 6.64%
- REVERSE MORTGAGE LOAN
- Max LVR
- 30%
- Features
- redraw, extra repayments
Southern Cross Credit Union savings and transaction account rates
Compare across banks7 products
Its highest savings rate is up to 5.20% (1.00% base plus a 4.20% bonus when its conditions are met), on its LITTLE STAR SAVER: 29th highest of 84 institutions, level with 2 others.
- BUSINESS PLUS
- Base rate
- 0.00%
- BUSINESS STAR SAVER
- Base rate
- 1.00%
- Bonus rate
- 4.20%
- Up to
- 5.20%
- EASY ACCESS
- Base rate
- 0.00%
- EASY ACCESS 50+Priced on application
- Pricing
- Rates on application
- Base rate
- 0.45%
- LITTLE STAR SAVER
- Base rate
- 1.00%
- Bonus rate
- 4.20%
- Up to
- 5.20%
- STAR SAVER
- Base rate
- 1.00%
- Bonus rate
- 4.20%
- Up to
- 5.20%
- STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)
- Base rate
- 2.60%
Southern Cross Credit Union term deposit rates
Compare across banks2 products
Its highest 12-month term deposit rate is 5.30%, on its TERM DEPOSIT: 28th highest of 65 institutions, level with 14 others.
| Rate | Southern Cross Credit Union | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 5.00%TERM DEPOSIT | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 5.20%TERM DEPOSIT | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.30%TERM DEPOSIT | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 4.70%TERM DEPOSIT | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
Southern Cross Credit Union personal loan rates
Compare across banks11 products
Its lowest advertised personal loan rate is 6.49% fixed, with a comparison rate of 8.85%, on its MOTOR SCOUT NEW VEHICLE LOAN: 18th lowest of 69 lenders, level with 6 others.
- EMONEY NEW VEHICLE LOAN
- Fixed
- 8.24%, 9.15% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- EMONEY SECURED PERSONAL LOAN
- Fixed
- 8.24%, 9.15% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- EMONEY UNSECURED PERSONAL LOAN
- Fixed
- 9.64%, 10.56% comparison
- Loan size
- $20,000 to $50,000
- Upfront fee
- $250
- LJ HOOKER NEW VEHICLE LOAN
- Fixed
- 8.24%, 9.15% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- LJ HOOKER SECURED PERSONAL LOAN
- Fixed
- 8.24%, 9.15% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- LJ HOOKER UNSECURED PERSONAL LOAN
- Fixed
- 9.64%, 10.56% comparison
- Loan size
- $20,000 to $50,000
- Upfront fee
- $250
- MOTOR SCOUT NEW VEHICLE LOAN
- Fixed
- 6.49%, 8.85% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- MOTOR SCOUT USED VEHICLE LOAN
- Fixed
- 8.24%, 10.61% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- NEW VEHICLE LOAN
- Fixed
- 8.24%, 9.15% comparison
- SECURED PERSONAL LOAN
- Fixed
- 8.24%, 9.15% comparison
- UNSECURED PERSONAL LOAN
- Fixed
- 9.64%, 10.56% comparison
Southern Cross Credit Union business loan rates
Compare across banks3 products
Its lowest advertised business loan rate is 6.33% variable, on its BUSINESS LOAN: 2nd lowest of 49 lenders.
Southern Cross Credit Union overdraft rates
Compare across banks1 product
Its lowest advertised overdraft rate is 8.50% variable, on its BUSINESS OVERDRAFT: 4th lowest of 23 lenders.
Has Southern Cross Credit Union passed on the RBA's November 2026 rate rise?
Southern Cross Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Thu 8 Oct
Southern Cross Credit Union cut 18 variable home loan rates by 0.10 percentage points.
0.10- BROKER HOME LOAN (4 rates)
- EMONEY HOME LOAN (4 rates)
- LJH 5STAR HOME LOAN (5 rates)
- PREMIUM HOME LOAN (5 rates)
Southern Cross Credit Union lifted 170 fixed home loan rates by 0.05 to 0.36 percentage points.
0.05 to 0.36- BROKER HOME LOAN (40 rates)
- EMONEY HOME LOAN (40 rates)
- LJH 5STAR HOME LOAN (45 rates)
- PREMIUM HOME LOAN (45 rates)
Wed 23 Sep
Southern Cross Credit Union lifted 8 term deposit rates by 0.10 to 0.30 percentage points.
0.10 to 0.30- BUSINESS TERM DEPOSIT (4 rates)
- TERM DEPOSIT (4 rates)
Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 10 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.