Southern Cross Credit Union Business Star Saver
savings accountterms checked
Business Star Saver is a savings account from Southern Cross Credit Union. It pays 5.45% p.a. in a month in which the conditions below are met and 1.00% when they are not.
Rate tiers
Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0 – $1,999,999.99stepped: paid on the part of the balance in this band | 1.00% | 4.45% | 5.45% |
| $2,000,000+stepped: paid on the part of the balance in this band | 1.00% | 0.00% | 1.00% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.
The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.
The bonus is paid on balances up to $2,000,000; the band above it shows what the feed states there.
The feed states a maximum balance of $2,000,000.
Conditions
For the bonus rate
- no withdrawals in the month
Other conditions
- also open to self-managed super funds (SMSFs): the bank's own words are "Other types of accepted businesses: association, self-managed super fund, trust, or not-for-profit organisation."
Features
- app
- yes
- Osko
- yes
- PayID
- yes
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- maximum balance
- $2,000,000
- bonus paid up to
- $2,000,000
- interest paid
- monthly
- interest calculated
- daily
- open to
- SMSF and business customers
Who can open it, in the bank's own words:
- business: Sole Trader, partnership or company
- residency: Australian registered business with Australian address
About this account
Star Saver savings account for Business
Data
- Southern Cross Credit Union's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 10 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: business-star-saver, business-savings-and-deposit-accounts-interest-rate-schedule, business-star-saver-tmd; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/southern-cross-credit-union.json: this bank's accounts and every balance band as JSON; Southern Cross Credit Union's page lists them.- The bank last updated this record on 9 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Southern Cross Credit Union
- Easy Access 50+ savings account, 0.82% base at $50,000
- Little Star Saver savings account, 5.45% conditional at $50,000
- Star Saver savings account, 5.45% conditional at $50,000
- Business Plusstale savings account, 0.00% base at $50,000
- Easy Accessstale transaction account, 0.00% base at $50,000
All of Southern Cross Credit Union's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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