Every change at Southern Cross Credit Union

9 changes since 1 March 2026 · our own corrections of a misread figure aren’t shown

October 20261 change

8Thu

Home loansPREMIUM HOME LOAN62 variants moved in both directions

Variable · Interest Only · Owner-occupier · ≤60% LVR	6.41	→	6.37	−0.04
Variable · Interest Only · Owner-occupier · 80–95% LVR	6.41	→	6.37	−0.04
Variable · Interest Only · Owner-occupier · 60–80% LVR	6.41	→	6.37	−0.04
2yr Fixed · P&I · Owner-occupier · 60–80% LVR	6.31	→	6.34	+0.03
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	6.31	→	6.34	+0.03
2yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.31	→	6.34	+0.03
Variable · Interest Only · Investor · 60–80% LVR	6.61	→	6.56	−0.05
Variable · Interest Only · Investor · 80–95% LVR	6.61	→	6.56	−0.05
Variable · Interest Only · Investor · ≤60% LVR	6.61	→	6.56	−0.05
1yr Fixed · P&I · Investor · 60–80% LVR	6.49	→	6.50	+0.01
3yr Fixed · P&I · Owner-occupier · 60–80% LVR	6.35	→	6.40	+0.05
1yr Fixed · P&I · Investor · 80–95% LVR	6.49	→	6.50	+0.01
3yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.35	→	6.40	+0.05
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	6.35	→	6.40	+0.05
1yr Fixed · P&I · Investor · ≤60% LVR	6.49	→	6.50	+0.01
Variable · P&I · Owner-occupier · 80–95% LVR	6.28	→	6.77	+0.49
2yr Fixed · P&I · Investor · 60–80% LVR	6.51	→	6.54	+0.03
2yr Fixed · P&I · Investor · ≤60% LVR	6.51	→	6.54	+0.03
2yr Fixed · Interest Only · Owner-occupier · 60–80% LVR	6.35	→	6.38	+0.03
2yr Fixed · P&I · Investor · 80–95% LVR	6.51	→	6.54	+0.03
2yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.35	→	6.38	+0.03
2yr Fixed · Interest Only · Owner-occupier · 80–95% LVR	6.35	→	6.38	+0.03
3yr Fixed · Interest Only · Owner-occupier · 80–95% LVR	6.41	→	6.45	+0.04
4yr Fixed · P&I · Owner-occupier · 60–80% LVR	6.41	→	6.50	+0.09
3yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.41	→	6.45	+0.04
1yr Fixed · Interest Only · Investor · 60–80% LVR	6.51	→	6.52	+0.01
1yr Fixed · Interest Only · Investor · 80–95% LVR	6.51	→	6.52	+0.01
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	6.41	→	6.50	+0.09
3yr Fixed · P&I · Investor · 60–80% LVR	6.55	→	6.59	+0.04
3yr Fixed · P&I · Investor · ≤60% LVR	6.55	→	6.59	+0.04
3yr Fixed · P&I · Investor · 80–95% LVR	6.55	→	6.59	+0.04
1yr Fixed · Interest Only · Investor · ≤60% LVR	6.51	→	6.52	+0.01
4yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.41	→	6.50	+0.09
3yr Fixed · Interest Only · Owner-occupier · 60–80% LVR	6.41	→	6.45	+0.04
Variable · P&I · Investor · 80–95% LVR	6.48	→	6.97	+0.49
5yr Fixed · P&I · Owner-occupier · ≤60% LVR	6.44	→	6.59	+0.15
2yr Fixed · Interest Only · Investor · 80–95% LVR	6.55	→	6.58	+0.03
2yr Fixed · Interest Only · Investor · ≤60% LVR	6.55	→	6.58	+0.03
2yr Fixed · Interest Only · Investor · 60–80% LVR	6.55	→	6.58	+0.03
5yr Fixed · P&I · Owner-occupier · 60–80% LVR	6.44	→	6.59	+0.15
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	6.44	→	6.59	+0.15
3yr Fixed · Interest Only · Investor · 60–80% LVR	6.61	→	6.65	+0.04
4yr Fixed · P&I · Investor · 60–80% LVR	6.61	→	6.70	+0.09
3yr Fixed · Interest Only · Investor · ≤60% LVR	6.61	→	6.65	+0.04
4yr Fixed · Interest Only · Owner-occupier · 60–80% LVR	6.45	→	6.57	+0.12
4yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.45	→	6.57	+0.12
4yr Fixed · P&I · Investor · 80–95% LVR	6.61	→	6.70	+0.09
4yr Fixed · Interest Only · Owner-occupier · 80–95% LVR	6.45	→	6.57	+0.12
3yr Fixed · Interest Only · Investor · 80–95% LVR	6.61	→	6.65	+0.04
4yr Fixed · P&I · Investor · ≤60% LVR	6.61	→	6.70	+0.09
5yr Fixed · P&I · Investor · 80–95% LVR	6.63	→	6.79	+0.16
5yr Fixed · P&I · Investor · ≤60% LVR	6.63	→	6.79	+0.16
5yr Fixed · Interest Only · Owner-occupier · 60–80% LVR	6.52	→	6.68	+0.16
5yr Fixed · Interest Only · Owner-occupier · 80–95% LVR	6.52	→	6.68	+0.16
5yr Fixed · Interest Only · Owner-occupier · ≤60% LVR	6.52	→	6.68	+0.16
5yr Fixed · P&I · Investor · 60–80% LVR	6.63	→	6.79	+0.16
4yr Fixed · Interest Only · Investor · 60–80% LVR	6.68	→	6.77	+0.09
4yr Fixed · Interest Only · Investor · 80–95% LVR	6.68	→	6.77	+0.09
4yr Fixed · Interest Only · Investor · ≤60% LVR	6.68	→	6.77	+0.09
5yr Fixed · Interest Only · Investor · 80–95% LVR	6.72	→	6.88	+0.16
5yr Fixed · Interest Only · Investor · ≤60% LVR	6.72	→	6.88	+0.16
5yr Fixed · Interest Only · Investor · 60–80% LVR	6.72	→	6.88	+0.16

−0.05 to +0.49

September 20262 changes

23Wed
- Term depositsTERM DEPOSIT6-month, paid at maturity or monthly: 5.10 → 5.20
  +0.10
1Tue
- Term depositsTERM DEPOSIT3 terms moved in both directions
  3-month, paid at maturity 4.85 5.00 +0.15
  6-month, paid at maturity or monthly 5.00 5.10 +0.10
  9-month, paid at maturity or monthly 5.40 5.30 −0.10
  −0.10 to +0.15

August 20261 change

3Mon
- Term depositsTERM DEPOSIT3 terms moved in both directions
  3-month, paid at maturity 4.60 4.85 +0.25
  9-month, paid at maturity or monthly 5.10 5.40 +0.30
  11-month, paid at maturity or monthly 5.40 5.10 −0.30
  −0.30 to +0.30

June 20262 changes

2Tue
- Savings accountsSTAR SAVER4.90 → 5.20Bonus rate 3.90% → 4.20% · 27 days after the RBA rise to 4.35%
  +0.30
1Mon
- Savings accountsLITTLE STAR SAVER4.90 → 5.20Bonus rate 3.90% → 4.20% · 26 days after the RBA rise to 4.35%
  +0.30

April 20262 changes

2Thu
- Savings accountsSTAR SAVER4.75 → 4.90Bonus rate 3.75% → 3.90% · 15 days after the RBA rise to 4.10%
  +0.15
1Wed
- Savings accounts2 accounts up 0.10 to 0.2514 days after the RBA rise to 4.10%
  STAR SAVER 4.65 4.75 +0.10
  LITTLE STAR SAVER 4.65 4.90 +0.25
  +0.10 to +0.25

March 20261 change

2Mon
- Savings accountsSTAR SAVER4.40 → 4.65Bonus rate 3.50% → 3.75% · 26 days after the RBA rise to 3.85%
  +0.25

No changes on record for Southern Cross Credit Union’s personal loans, everyday accounts.

3-month, paid at maturity	4.85	→	5.00	+0.15
6-month, paid at maturity or monthly	5.00	→	5.10	+0.10
9-month, paid at maturity or monthly	5.40	→	5.30	−0.10

3-month, paid at maturity	4.60	→	4.85	+0.25
9-month, paid at maturity or monthly	5.10	→	5.40	+0.30
11-month, paid at maturity or monthly	5.40	→	5.10	−0.30

STAR SAVER	4.65	→	4.75	+0.10
LITTLE STAR SAVER	4.65	→	4.90	+0.25