Provider
LiveSouthern Cross Credit Union
As of 18 September 2026, Southern Cross Credit Union has 19 products across four of the 8 pillars BankMate tracks: 2 savings accounts, 7 home loans, 1 term deposit and 9 personal loans. Its highest-placed product is TERM DEPOSIT at 5.30% p.a. for 9 months, 4th of 500 9-month deposits. Its rates last moved on 1 September 2026.
- Pillars
- 4 of 8
- No credit cards, superannuation, share trading…
- Products tracked
- 19
- 2 savings accounts · 7 home loans · 1 term deposit
- Highest placed
- #4
- TERM DEPOSIT · of 500 9-month deposits
- Last change
- 1 Sept 2026
- 7 changes on record
What changed
7 changes across 2 pillars since 1 Mar 2026- Term depositsTERM DEPOSIT · 5 terms moved in both directionsmixed
- Term depositsTERM DEPOSIT · 5 terms moved in both directionsmixed
- Savings accountsSTAR SAVER 4.90 → 5.20Bonus rate 3.90% → 4.20% · 27 days after the RBA rise to 4.35%+0.30
- Savings accountsLITTLE STAR SAVER 4.90 → 5.20Bonus rate 3.90% → 4.20% · 26 days after the RBA rise to 4.35%+0.30
- Savings accountsSTAR SAVER 4.75 → 4.90Bonus rate 3.75% → 3.90% · 15 days after the RBA rise to 4.10%+0.15
- Savings accounts2 accounts up 0.10 to 0.2514 days after the RBA rise to 4.10%mixed
- STAR SAVER 4.65 → 4.75
- LITTLE STAR SAVER 4.65 → 4.90
Show 1 earlier change
- Savings accountsSTAR SAVER 4.40 → 4.65Bonus rate 3.50% → 3.75% · 26 days after the RBA rise to 3.85%+0.25
Savings accounts · 2
Total rate, conditions met · ranked among 94 accountsBalance must grow · bonus up to $1m
5.20%#27 of 941.00% base + 4.20% bonus
- Balance growth
- $100/month
- Balance range
- $0 - $1,000,000
No withdrawals · bonus up to $50k
5.20%#27 of 941.00% base + 4.20% bonus
- Withdrawals
- Not allowed
- Balance range
- $0 - $50,000
- Age
- Up to 13 years
Full savings accounts record for Southern Cross Credit Union →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for Southern Cross Credit Union · Compare all savings accounts
Home loans · 7
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 78 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80–95% LVR · offset account · redraw · 78 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 80–95% LVR · offset account · redraw · 72 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 60–80% LVR · offset account · redraw · 72 variants
1y 6.30%2y 6.31%3y 6.35%4y 6.41%5y 6.44%6.28%#34 of 107comparison · 5.93% advertised
- Application fee
- None
- Ongoing fee
- $33 a month
- Discharge fee
- $150
- Package annual fee
- $395 a year
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Owner-occupier · offset account · redraw · no ongoing fee
7.38%#43 of 68comparison · 7.58% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $150
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Show 2 more
Variable · Interest Only · Owner-occupier · redraw · no ongoing fee
7.89%#47 of 68comparison · 7.83% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · Interest Only · Investor · no ongoing fee
8.48%#63 of 80advertised · no comparison rate published
- Application fee
- $699
- Ongoing fee
- None
- Discharge fee
- None
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Full home loans record for Southern Cross Credit Union →
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest at maturity or monthly or annually · from $5,000 · 12 terms
3 mo 5.00%6 mo 5.10%9 mo 5.30%1 yr 5.10%2 yr 4.70%18 mo 3.50%5.30%#4 of 5009 months
- 3 months
- 5.00% · #18 of 369
- 6 months
- 5.10% · #43 of 547
- 9 months
- 5.30% · #4 of 500
- 1 year
- 5.10% · #161 of 590
- 2 years
- 4.70% · #162 of 394
- 18 months
- 3.50% · #108 of 122
- Minimum deposit
- $5,000
- Maximum deposit
- $20,000,000
- Interest paid
- At maturity or Monthly or Annually
- Early withdrawal
- Not allowed
Full term deposits record for Southern Cross Credit Union →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 9
Comparison rate · ranked within unsecured or secured loansUnsecured · 5
Unsecured · fixed · car loan · $990 application · $8/mo
8.85%#102 of 212comparison · from 6.49% advertised
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 8.85% p.a.
- Rate type
- Fixed
- Application fee
- $990
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
- NEW VEHICLE LOANFee-free
Unsecured · fixed · car loan · no fees
9.15%#105 of 212comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.15% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan term
- 3 years to 7 years
- Extra repayments
- Yes
Unsecured · fixed · any purpose · $250 application · $8/mo
10.56%#143 of 212comparison · from 9.64% advertised
- Advertised rate
- from 9.64% p.a.
- Comparison rate
- 10.56% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $50,000
- Loan term
- 3 years to 7 years
Unsecured · fixed · any purpose · $250 application · $8/mo
10.56%#143 of 212comparison · from 9.64% advertised
- Advertised rate
- from 9.64% p.a.
- Comparison rate
- 10.56% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $50,000
- Loan term
- 3 years to 7 years
Unsecured · fixed · car loan · $990 application · $8/mo
10.61%#145 of 212comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 10.61% p.a.
- Rate type
- Fixed
- Application fee
- $990
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
Secured · 4
Secured · fixed · car loan · $250 application · $8/mo
9.15%#37 of 48comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.15% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
Secured · fixed · car loan · $250 application · $8/mo
9.15%#37 of 48comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.15% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
Secured · fixed · car loan · $250 application · $8/mo
9.15%#37 of 48comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.15% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
Secured · fixed · car loan · $250 application · $8/mo
9.15%#37 of 48comparison · from 8.24% advertised
- Advertised rate
- from 8.24% p.a.
- Comparison rate
- 9.15% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $20,000 – $150,000
- Loan term
- 3 years to 7 years
Full personal loans record for Southern Cross Credit Union →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Southern Cross Credit Union has no credit cards, superannuation, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on Southern Cross Credit Union
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