Southern Cross CU
Credit unionSouthern Cross CU offers term deposits from one month to two years with a $5000 minimum deposit. The best rate is 5.4% p.a. for the 11-month term. Rates peak in the 6 to 12-month range, with the 7-month and 12-month terms both at 5.0% p.a., while longer terms drop significantly to 3.4% to 3.5% p.a. Shorter terms under three months offer only 1.15% p.a.
Savings Accounts
ongoing rate
Rate breakdown
Base rate: 1.00%
Bonus rate: + 3.90%
How to earn it
Bonus interest paid when a minimum balance increase of $100 is achieved for the calendar month
Rate current since 10 Apr 2026.
ongoing rate
Rate breakdown
Base rate: 1.00%
Bonus rate: + 3.90%
How to earn it
Make no withdrawals during the calendar month to earn the bonus rate. Base rate is tiered by balance.
Rate current since 19 May 2026.