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.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
Want more? Compare all 216 credit cards in the Mozo comparison engine.Compare more credit cards
Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.