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Southern Cross Credit Union has a range of financial products and services for its members. Southern Cross offers an extensive range of products in home, personal, business and investment loans, low doc loans, a range of debit card options, savings accounts, term deposits and insurance products for its members.
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Last updated 23 July 2025
Important disclosures
Southern Cross Credit Union bank accounts
Easy Access
Account fee
$5.00
$0 monthly account fee if you are under 30 years old, if you deposit $2,000, or if you have over $30,000 total in deposits or loans with southern cross credit union.
Payment options
Apple Pay, Google Pay, PayID
Interest rate
0.00
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.00% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$5.00
$0 monthly account fee if you are under 30 years old, if you deposit $2,000, or if you have over $30,000 total in deposits or loans with southern cross credit union.
Payment options
Apple Pay, Google Pay, PayID
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, BPay, Branch access
ATM networks
SCCU
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.60
Internet fee
$0.60
Overseas ATM fee
$3.50
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
no
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free BPay, Visa Debit purchases and SCCU ATM withdrawals, 10 free chargeable transactions.
Easy Access 50+
Account fee
$5.00
$5 monthly account fee waived if you deposit $2,000 per month into the account, or if you have over $30,000 total in combined account balances with southern cross credit union.
Payment options
Apple Pay, Google Pay, PayID
Interest rate
0.25
%
p.a.
No Partner link
Standard interest rate
Balances from $0: 0.25% p.a. Balances from $50,000: 2.00% p.a. Balances from $200,000: 2.25% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$5.00
$5 monthly account fee waived if you deposit $2,000 per month into the account, or if you have over $30,000 total in combined account balances with southern cross credit union.
Payment options
Apple Pay, Google Pay, PayID
What kind of card?
Visa Debit or EFTPOS
Access
ATM, EFTPOS, Visa Debit, BPay, Branch access
ATM networks
SCCU
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.60
Internet fee
$0.60
Overseas ATM fee
$3.50
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
no
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free BPay, Visa Debit purchases and SCCU ATM withdrawals, 10 free chargeable transactions.
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