BankMate

Savings account · 14+ years

Southern Cross Credit Union Star Saver

5.20%p.a. total

1.00% base + 4.20% bonus when the conditions are met

62nd of 151 savings accounts · market average 4.37%

Go to Southern Cross Credit UnionCompare with another accountCompare with Southern Cross Credit Union's term deposit

The RBA raised the cash rate to 4.60% on 30 September. STAR SAVER hasn't moved yet. After the May rise it moved 27 days later.

What the bonus asks

1 thing each month
Each month
  1. A balance at least $100 higher than it started
A month without them

Pays the 1.00% base rate on the whole balance.

Who can open it

Anyone 14 or over

Balance

No balance cap.

Compare all 151 accounts

Rate history

Last change 2 June
  • STAR SAVER
  • RBA cash rate
  • Market average
4.004.505.00MarMayJulSepToday5.20% p.a. today

June 20261 change

  1. 2Tue
    • 4.90 → 5.20Bonus rate 3.90% → 4.20% · 27 days after the RBA rise to 4.35%
      +0.30

April 20262 changes

  1. 2Thu
    • 4.75 → 4.90Bonus rate 3.75% → 3.90% · 15 days after the RBA rise to 4.10%
      +0.15
  2. 1Wed
    • 4.65 → 4.75Base rate 0.90% → 1.00% · 14 days after the RBA rise to 4.10%
      +0.10

March 20261 change

  1. 2Mon
    • 4.40 → 4.65Bonus rate 3.50% → 3.75% · 26 days after the RBA rise to 3.85%
      +0.25

  1. #27FebFeb 2026: ranked 27 of 42
  2. #25MarMar 2026: ranked 25 of 64
  3. #19AprApr 2026: ranked 19 of 76
  4. #44MayMay 2026: ranked 44 of 79
  5. #18JunJune 2026: ranked 18 of 79
  6. #19JulJuly 2026: ranked 19 of 80
  7. #19AugAug 2026: ranked 19 of 80
  8. #29SepSep 2026: ranked 29 of 120
  9. #61OctOct 2026: ranked 61 of 150
  10. #62NowNov 2026: ranked 62 of 151
  • Top 5%
  • Top 10%
  • Top 25%
  • Top half
  • Lower half

In the top 25% for 5 of the last 10 months. Its lowest was #27 of 42 in Feb 2026.

A year meeting the conditions
$2,600
A year without meeting the conditions
$500
Against the average (4.37%)
+$416

On a $50,000 balance. Type yours above; it's kept with your savings preferences.

Bonus paid when the balance grows by at least $100 in the calendar month.

Notes from savers

to leave a note.

Other Southern Cross Credit Union accounts: LITTLE STAR SAVER 5.20%

Pays 5.20% p.a. total (1.00% base plus 4.20% bonus) as of 2 November 2026. Ranks 62nd of 151 savings accounts tracked by BankMate, 0.83 points above the average of 4.37%. The rate last rose on 2 June 2026, 27 days after the RBA raised the cash rate to 4.35%. From Southern Cross Credit Union's Consumer Data Right feed, refreshed nightly. Compare savings accounts ·