Sydney Credit Union (SCU) is a member-owned credit union, which was established in 1963.

It was originally formed to serve City of Sydney council members, but expanded to include a number of other Sydney-based councils. Most of its branches are now located in the Western Suburbs of Sydney.

As a credit union, it is owned by members and not shareholders, which means profits go back into the business and are redistributed to members via lower fees and rates.

  • Competitive rates.
  • Flexible payment options.
  • Extra repayments often permitted.
  • Small branch network.
SCU customer service:

Potential SCU customers have access to the credit union’s mobile lenders. They can also use internet banking, contact the lender via email or phone the customer service line, which is attended to 6 days a week.

  • Customer service centre (phone)
  • Online banking
  • Email
  • Branch
  • Mobile banking staff
  • Social media

SCU Home Loan Calculator

Mortgage Balance

Monthly Repayment

Interest Rate


Remaining loan term:

26 years and 8 months

Savings over 10 years

SCU Home Loans

How to Apply

SCU customers can apply for a home loan through a number of methods. These include by phone or email, via the online application form on the SCU website, or by booking a phone appointment with a home loan specialist. Customers can also apply in person at a branch. Before applying for a home loan it is advisable to think about how much money you could conceivably borrow given your financial situation and income. You will also need to provide documentation when applying for a home loan. This will include:

  • Personal identification material.
  • Proof of income and other earnings.
  • Proof and type of employment.
  • Details of current loans, debts and liabilities.
  • Personal insurance documents.
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