I joined this Credit Union 27/5/1993. We do not have a branch anywhere near Armidale, yet every request can be carried out without any hassles what so ever, by phone or Email. Also was involved with scammers over seas and they informed me of the scammers' intentions, and so saved me lots of money. Cannot speak highly enough of the staff and the Credit Union.
My credit card with this bank has lower than average interest rates but lacks options such as frequent flyer points system. It feels good also to support a group that is not part of the big four.
From personal experience I have distrusted banks since they removed the loyalty factor with longtime customers. This was about forty five years ago. I have been with credit unions since then. They do not appear to be so greedy and they emanate a trustworthy feeling. Whether or not they really give better service I don't know but they seem more personal whereas banks feel cold, hard, and impersonal. I have no complaints with my Credit Union (SGE) at the moment it suits my needs, so I'll stay with it.
I was looking for the best cash back credit card and stumbled upon the SGE gold visa credit card. It is slightly different offering as you get a seperate card which is populated with $1 every $100 spent on the credit card. this companion card can be used at any eftpos. The annual fee is $100... a little high but comes with the standard gold card features and and an additional credit card and companion card for a partner. for my spending habits ($50000 a year, paid off in full each month) i get $500 back minus $100 annual fee =$400 profit :)
I can link my credit card to my debit card and to a cheque account, with a flexible limit to prevent theft. I get monthly offers of bonuses just from using the card. I can use it at almost any ATM, and when I need personal advice or assistance, the regional office employees in Newcastle treat me almost like a member of their family - caring, helpful, kind and always professional. I can't fault this product, or the service I receive from SGE in all other areas.
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