Money / Banks
Southern Cross Credit Union
What Southern Cross Credit Union publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check Southern Cross Credit Union's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| BUSINESS STAR SAVER | 1.00% | 4.20% | 5.20% |
Bonus only on balances up to $2,000,000 In the bank's wordsBonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. Standard rate of interest paid on balance over $2 Mil or on the full balance of account when a withdrawal is made. |
| EASY ACCESS 50+ | 0.45% | – | 0.45% | No bonus |
| LITTLE STAR SAVER | 1.00% | 4.20% | 5.20% |
Bonus only on balances up to $50,000 In the bank's wordsTiered rate based on different balance thresholds and bonus interest subject to no withdrawals |
| STAR SAVER | 1.00% | 4.20% | 5.20% |
In the bank's wordsBonus interest paid when a minimum balance increase of $100 is achieved for the calendar month |
| STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY) | 2.60% | – | 2.60% | No bonus |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| BUSINESS TERM DEPOSIT | 5.00% | 5.20% | 5.30% | 4.70% | $5,000 |
| TERM DEPOSIT | 5.00% | 5.20% | 5.30% | 4.70% | $5,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| BROKER HOME LOAN | 5.93% | 6.28% |
| EMONEY HOME LOAN | 5.93% | 6.28% |
| LJH 5STAR HOME LOAN | 5.93% | 6.28% |
| PREMIUM HOME LOAN | 5.93% | 6.28% |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- BRIDGING HOME LOAN Home loans
- BUSINESS PLUS Savings and transaction accounts
- EASY ACCESS Savings and transaction accounts
- LINE OF CREDIT Home loans
- REVERSE MORTGAGE LOAN Home loans
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: Southern Cross Credit Union product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at Southern Cross Credit Union, which has the current details.