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Southern Cross Credit Union home loans

Southern Cross Credit Union, or SCCU, is a customer-owned credit union that was formed in 1966 in the Tweed Valley of NSW. Formerly known as the Tweed Byron Credit Union, it was renamed the Southern Cross Credit Union in 1997.

The credit union is based in Murwillumbah and has a network of branches throughout northern NSW. It provides financial services and products, such as personal and business loans, home loans, insurance, credit cards, savings account as well as financial planning and advice.

Southern Cross Credit Union Home Loan Calculator
Interested in an Southern Cross home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Southern Cross compares to its competitors. Simply plug in your borrowing amount below. 

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Southern Cross Credit Union


  • Discounted rates available.
  • Flexible repayment features.
  • Moderate to low rates.


  • Loans require large deposits.
  • Limited local branch access.

Southern Cross Credit Union Home Loans

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Southern Cross Credit Union customer service

Home loan customers can contact the Southern Cross Credit Union through a number of channels. These include a general customer phone line, an online enquiry form or via email. Customers can also meet with Southern Cross staff in person at one of their local NSW branches.

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Branch

How to Apply

Southern Cross Credit Union gives potential customers a number of options when applying for a home loan. These include contacting a SCCU home loan specialist by phone, email or in person at one of their local branches. Customers can also start their application via an online form on the Southern Cross Credit Union website and emailing it to a lending specialist. 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.
  • Details and type of employment.
  • Proof of incomes, including assets, rent and other earning.
  • Details regarding current debts, expenses, loans and liabilities.
  • Personal insurance documents.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.