{ "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "public_base_uri": "https://cdr.sccu.com.au/openbanking", "logo_uri": "https://www.sccu.com.au/community/attachment/stacked-logo-cmyk-transparent/", "status": "ok", "stale": false, "bank_last_updated": "2026-11-08T20:48:43Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["linked_account"],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":5.45,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":4.45,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Star Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":2000000,"max_balance":2000000,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "grow the balance each month", "must be linked to an SCCU Easy Access transaction account, which may have its own monthly fee", "individuals aged 14 and over", "australian citizens or permanent residents only", "the balance must grow by $100 or more by 5pm NSW time on the last business day of the month to earn the bonus that month" ], "k2": [ "no withdrawals in the month", "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.\"" ] }, "unranked": { "products": 3, "no_rate": 1, "transaction_account": 1, "other_product": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "BUSINESS_STAR_SAVER", "product_name": "BUSINESS STAR SAVER", "product_label": "Business Star Saver", "product_slug": "business-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/business-star-saver/", "product_url": "https://www.sccu.com.au/business-banking/business-star-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Business-Star-Saver-TMD", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "Star Saver savings account for Business", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": 2000000, "min_balance": null, "max_balance": 2000000, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "50000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "250000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 2, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 2, "of": 35 }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 1, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 3, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 3, "of": 35 }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 3, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 23, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 24, "of": 35 }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 28, "of": 35 }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 1, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 1, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 1, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 2, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 2, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 2, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 26, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 32, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 36, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "Other types of accepted businesses: association, self-managed super fund, trust, or not-for-profit organisation.", "url": "https://www.sccu.com.au/business-banking/business-star-saver/", "checked": "2026-11-06", "citation": { "quote": "Other types of accepted businesses: association, self-managed super fund, trust, or not-for-profit organisation.", "url": "https://www.sccu.com.au/business-banking/business-star-saver/#:~:text=Other%20types%20of%20accepted%20businesses%3A,fund%2C%20trust%2C%20or%20not%2Dfor%2Dprofit%20organisation.", "document_sha256": "eae49bda5b9e72d243dae629ff33e412e1d753ef10412f358aeae168281febd1", "confirmed": "2026-11-13" } } ] }, "conditions": [ "no withdrawals in the month", "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.\"" ], "eligibility": [ "business: Sole Trader, partnership or company", "residency: Australian registered business with Australian address" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/BUSINESS_STAR_SAVER.json", "snapshot_at": "2026-11-10T03:14:52Z", "bank_last_updated": "2026-11-09T07:25:39.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.sccu.com.au/business-banking/business-star-saver/", "https://www.sccu.com.au/business-savings-and-deposit-accounts-interest-rate-schedule/", "https://www.sccu.com.au/business-star-saver-tmd/" ] } }, { "product_id": "EASY_ACCESS_50_PLUS", "product_name": "EASY ACCESS 50+", "product_label": "Easy Access 50+", "product_slug": "easy-access-50", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access-50/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Easy-Access-50-TMD", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Everyday transaction account with easy access for those at retirement age with competitive Interest", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.5, "intro_pct": null, "base_pct": 0.5 }, "50000": { "ongoing_pct": 0.82, "intro_pct": null, "base_pct": 0.82 }, "250000": { "ongoing_pct": 2.38, "intro_pct": null, "base_pct": 2.38 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 250000, "rank": 64, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "older customers", "level": "product", "quote": "EASY ACCESS 50+", "source": "name" }, { "kind": "age", "who": "individuals aged 50 and over (no pension needed)", "level": "product", "quote": "Be an individual aged 50 years and over.", "source": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "citation": { "quote": "Be an individual aged 50 years and over.", "url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/#:~:text=Be%20an%20individual%20aged%2050%20years%20and%20over.", "document_sha256": "2f61202606ad1c77723b476553e2b5127b3bf383ec28df9f8bbe0d033abf2094", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "individuals aged 50 and over (no pension needed)", "$5 monthly fee unless $2,000 a month is deposited or $30,000 or more is held in deposits and loans with SCCU", "australian citizens or permanent residents only" ], "eligibility": [], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS_50_PLUS.json", "snapshot_at": "2026-11-10T03:14:52Z", "bank_last_updated": "2026-11-09T07:48:43.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "https://www.sccu.com.au/product-disclosures/", "https://www.sccu.com.au/savings-and-deposit-accounts-interest-rate-schedule/" ] } }, { "product_id": "LITTLE_STAR_SAVER", "product_name": "LITTLE STAR SAVER", "product_label": "Little Star Saver", "product_slug": "little-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/little-star-saver/", "product_url": "https://www.sccu.com.au/savings-accounts/little-star-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Little-Star-Saver-TMD", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Savings account for customers under 14yrs. Bonus Interest paid on balance up to $50k subject to no withdrawals made.", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "extra_bonuses": [], "max_bonus_balance": 50000, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "50000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "250000": { "ongoing_pct": 1.89, "intro_pct": null, "base_pct": 1.0 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 37, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 34, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 45, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 42, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 83, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 83, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "children or young people", "level": "product", "quote": "LITTLE STAR SAVER", "source": "name" }, { "kind": "age", "who": "limited to one account per child, opened in the child's name", "level": "product", "quote": "Limited to one account per child.", "source": "https://www.sccu.com.au/savings-and-deposit-accounts-interest-rate-schedule/", "citation": { "quote": "Limited to one account per child.", "url": "https://www.sccu.com.au/savings-and-deposit-accounts-interest-rate-schedule/#page=1", "page": 1, "document_sha256": "80b8a3a71f9f43a6958270723a974c6f9536a36dc9699bf95e340ec00a4475a2", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "no withdrawals in the month", "limited to one account per child, opened in the child's name", "the child must be an australian citizen or permanent resident" ], "eligibility": [], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/LITTLE_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/LITTLE_STAR_SAVER.json", "snapshot_at": "2026-11-10T03:14:52Z", "bank_last_updated": "2026-11-09T07:25:01.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.sccu.com.au/savings-accounts/little-star-saver/", "https://www.sccu.com.au/product-disclosures/", "https://www.sccu.com.au/savings-and-deposit-accounts-interest-rate-schedule/" ] } }, { "product_id": "STAR_SAVER", "product_name": "STAR SAVER", "product_label": "Star Saver", "product_slug": "star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/star-saver/", "product_url": "https://www.sccu.com.au/savings-accounts/star-saver/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Star-Saver-TMD", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Star Saver savings account", "bonus_is_total": false, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "balance_grows", "value": null, "text": "Bonus interest paid when a minimum balance increase of $100 is achieved for the calendar month" } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "50000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 }, "250000": { "ongoing_pct": 5.45, "intro_pct": null, "base_pct": 1.0 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 24, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 24, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 18, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 31, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 31, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 26, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 61, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 62, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 64, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "grow the balance each month", "must be linked to an SCCU Easy Access transaction account, which may have its own monthly fee", "individuals aged 14 and over", "australian citizens or permanent residents only", "the balance must grow by $100 or more by 5pm NSW time on the last business day of the month to earn the bonus that month" ], "eligibility": [], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/STAR_SAVER.json", "snapshot_at": "2026-11-10T03:14:52Z", "bank_last_updated": "2026-11-06T14:55:18.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.sccu.com.au/savings-accounts/star-saver/", "https://www.sccu.com.au/product-disclosures/", "https://www.sccu.com.au/savings-and-deposit-accounts-interest-rate-schedule/" ] } }, { "product_id": "BUSINESS_PLUS", "product_name": "BUSINESS PLUS", "product_label": "Business Plus", "product_slug": "business-plus", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/business-plus/", "product_url": "https://www.sccu.com.au/business/business-banking/business-plus/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Business-Plus-TMD", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "Business Plus", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null, "open_to": [ { "segment": "smsf", "who": "self-managed super funds (SMSFs)", "quote": "Other types of accepted businesses: association, self-managed super fund, trust, or not-for-profit organisation.", "url": "https://www.sccu.com.au/business/business-banking/business-plus/", "checked": "2026-11-06", "citation": { "quote": "Other types of accepted businesses: association, self-managed super fund, trust, or not-for-profit organisation.", "url": "https://www.sccu.com.au/business/business-banking/business-plus/#:~:text=Other%20types%20of%20accepted%20businesses%3A,fund%2C%20trust%2C%20or%20not%2Dfor%2Dprofit%20organisation.", "document_sha256": "8676d057177053e427142ea55aa98126fa33bd8ba3d99989adbbe06220d36602", "confirmed": "2026-11-13" } } ] }, "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "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.\"" ], "eligibility": [], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/BUSINESS_PLUS.json", "snapshot_at": "2026-10-22T13:25:45Z", "bank_last_updated": "2026-06-09T11:08:40.000+10:00", "ranked": false, "unranked_reason": "no_rate", "row_count": 1 }, { "product_id": "EASY_ACCESS", "product_name": "EASY ACCESS", "product_label": "Easy Access", "product_slug": "easy-access", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Easy-Access-TMD", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "Easy to manage everyday transaction account non interest bearing", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS.json", "snapshot_at": "2026-10-22T13:25:45Z", "bank_last_updated": "2026-06-09T11:09:43.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "STAR_SAVER_CMA", "product_name": "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)", "product_label": "Star Saver Controlled Money Account (Solicitors Only)", "product_slug": "star-saver-controlled-money-account-solicitors-only", "page": null, "product_url": "https://www.sccu.com.au/savings-accounts/star-saver-cma/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.sccu.com.au/product-disclosures/", "fees_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges", "eligibility_url": "https://www.sccu.com.au/Star-Saver-Controlled-Money-Account-Solicitors-Only-TMD", "account_type": "other", "segments": [ "personal" ], "segment": "personal", "description": "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 2.6, "intro_pct": null, "base_pct": 2.6 }, "50000": { "ongoing_pct": 2.6, "intro_pct": null, "base_pct": 2.6 }, "250000": { "ongoing_pct": 2.6, "intro_pct": null, "base_pct": 2.6 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)", "level": "product", "quote": "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)", "source": "feed: eligibility" } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)" ], "eligibility": [], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STAR_SAVER_CMA", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/STAR_SAVER_CMA.json", "snapshot_at": "2026-10-22T13:25:45Z", "bank_last_updated": "2026-06-09T11:09:29.000+10:00", "ranked": false, "unranked_reason": "other_product", "row_count": 1 } ], "rows": [ { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "BUSINESS_STAR_SAVER", "product_name": "BUSINESS STAR SAVER", "product_label": "Business Star Saver", "product_slug": "business-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/business-star-saver/", "product_url": "https://www.sccu.com.au/business-banking/business-star-saver/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 2000000, "min_balance": null, "max_balance": 2000000, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "no withdrawals in the month", "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.\"" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/BUSINESS_STAR_SAVER.json", "bank_last_updated": "2026-11-09T07:25:39.000+11:00", "balance_from": 0, "balance_to": 1999999.99, "base_rate_pct": 1.0, "bonus_rate_pct": 4.45, "intro_rate_pct": null, "ongoing_rate_pct": 5.45, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "BUSINESS_STAR_SAVER", "product_name": "BUSINESS STAR SAVER", "product_label": "Business Star Saver", "product_slug": "business-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/business-star-saver/", "product_url": "https://www.sccu.com.au/business-banking/business-star-saver/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 2000000, "min_balance": null, "max_balance": 2000000, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "no withdrawals in the month", "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.\"" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/BUSINESS_STAR_SAVER.json", "bank_last_updated": "2026-11-09T07:25:39.000+11:00", "balance_from": 2000000, "balance_to": null, "base_rate_pct": 1.0, "bonus_rate_pct": 0.0, "intro_rate_pct": null, "ongoing_rate_pct": 1.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "EASY_ACCESS_50_PLUS", "product_name": "EASY ACCESS 50+", "product_label": "Easy Access 50+", "product_slug": "easy-access-50", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access-50/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "individuals aged 50 and over (no pension needed)", "$5 monthly fee unless $2,000 a month is deposited or $30,000 or more is held in deposits and loans with SCCU", "australian citizens or permanent residents only" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS_50_PLUS.json", "bank_last_updated": "2026-11-09T07:48:43.000+11:00", "balance_from": 0, "balance_to": 9999.99, "base_rate_pct": 0.5, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.5, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "EASY_ACCESS_50_PLUS", "product_name": "EASY ACCESS 50+", "product_label": "Easy Access 50+", "product_slug": "easy-access-50", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access-50/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "individuals aged 50 and over (no pension needed)", "$5 monthly fee unless $2,000 a month is deposited or $30,000 or more is held in deposits and loans with SCCU", "australian citizens or permanent residents only" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS_50_PLUS.json", "bank_last_updated": "2026-11-09T07:48:43.000+11:00", "balance_from": 10000, "balance_to": 49999.99, "base_rate_pct": 0.9, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.9, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "EASY_ACCESS_50_PLUS", "product_name": "EASY ACCESS 50+", "product_label": "Easy Access 50+", "product_slug": "easy-access-50", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access-50/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "individuals aged 50 and over (no pension needed)", "$5 monthly fee unless $2,000 a month is deposited or $30,000 or more is held in deposits and loans with SCCU", "australian citizens or permanent residents only" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS_50_PLUS.json", "bank_last_updated": "2026-11-09T07:48:43.000+11:00", "balance_from": 50000, "balance_to": 199999.99, "base_rate_pct": 2.7, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.7, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "EASY_ACCESS_50_PLUS", "product_name": "EASY ACCESS 50+", "product_label": "Easy Access 50+", "product_slug": "easy-access-50", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access-50/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access-50/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "individuals aged 50 and over (no pension needed)", "$5 monthly fee unless $2,000 a month is deposited or $30,000 or more is held in deposits and loans with SCCU", "australian citizens or permanent residents only" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS_50_PLUS.json", "bank_last_updated": "2026-11-09T07:48:43.000+11:00", "balance_from": 200000, "balance_to": null, "base_rate_pct": 3.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 3.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "LITTLE_STAR_SAVER", "product_name": "LITTLE STAR SAVER", "product_label": "Little Star Saver", "product_slug": "little-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/little-star-saver/", "product_url": "https://www.sccu.com.au/savings-accounts/little-star-saver/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 50000, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "no withdrawals in the month", "limited to one account per child, opened in the child's name", "the child must be an australian citizen or permanent resident" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/LITTLE_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/LITTLE_STAR_SAVER.json", "bank_last_updated": "2026-11-09T07:25:01.000+11:00", "balance_from": 0, "balance_to": 50000, "base_rate_pct": 1.0, "bonus_rate_pct": 4.45, "intro_rate_pct": null, "ongoing_rate_pct": 5.45, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "LITTLE_STAR_SAVER", "product_name": "LITTLE STAR SAVER", "product_label": "Little Star Saver", "product_slug": "little-star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/little-star-saver/", "product_url": "https://www.sccu.com.au/savings-accounts/little-star-saver/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": 50000, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [ { "type": "max_withdrawals", "value": 0, "text": "no withdrawals" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "age_limited" ], "conditions": [ "no withdrawals in the month", "limited to one account per child, opened in the child's name", "the child must be an australian citizen or permanent resident" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/LITTLE_STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/LITTLE_STAR_SAVER.json", "bank_last_updated": "2026-11-09T07:25:01.000+11:00", "balance_from": 50000.01, "balance_to": null, "base_rate_pct": 1.0, "bonus_rate_pct": 0.0, "intro_rate_pct": null, "ongoing_rate_pct": 1.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "STAR_SAVER", "product_name": "STAR SAVER", "product_label": "Star Saver", "product_slug": "star-saver", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/star-saver/", "product_url": "https://www.sccu.com.au/savings-accounts/star-saver/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [ { "type": "balance_grows", "value": null, "text": "Bonus interest paid when a minimum balance increase of $100 is achieved for the calendar month" } ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "linked_account" ], "conditions": [ "grow the balance each month", "must be linked to an SCCU Easy Access transaction account, which may have its own monthly fee", "individuals aged 14 and over", "australian citizens or permanent residents only", "the balance must grow by $100 or more by 5pm NSW time on the last business day of the month to earn the bonus that month" ], "record_stale": false, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STAR_SAVER", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/STAR_SAVER.json", "bank_last_updated": "2026-11-06T14:55:18.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 1.0, "bonus_rate_pct": 4.45, "intro_rate_pct": null, "ongoing_rate_pct": 5.45, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "BUSINESS_PLUS", "product_name": "BUSINESS PLUS", "product_label": "Business Plus", "product_slug": "business-plus", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/business-plus/", "product_url": "https://www.sccu.com.au/business/business-banking/business-plus/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "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.\"" ], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_PLUS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/BUSINESS_PLUS.json", "bank_last_updated": "2026-06-09T11:08:40.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "no_rate" }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "EASY_ACCESS", "product_name": "EASY ACCESS", "product_label": "Easy Access", "product_slug": "easy-access", "page": "/au/finance/savings-accounts/accounts/southern-cross-credit-union/easy-access/", "product_url": "https://www.sccu.com.au/transaction-accounts/easy-access/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/EASY_ACCESS.json", "bank_last_updated": "2026-06-09T11:09:43.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "legal_entity_abn": "82087650682", "product_id": "STAR_SAVER_CMA", "product_name": "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)", "product_label": "Star Saver Controlled Money Account (Solicitors Only)", "product_slug": "star-saver-controlled-money-account-solicitors-only", "page": null, "product_url": "https://www.sccu.com.au/savings-accounts/star-saver-cma/", "terms_url": "https://www.sccu.com.au/product-disclosures/", "account_type": "other", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "STAR SAVER CONTROLLED MONEY ACCOUNT (SOLICITORS ONLY)" ], "record_stale": true, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STAR_SAVER_CMA", "source_snapshot": "/au/finance/savings-accounts/v1/source/southern-cross-credit-union/STAR_SAVER_CMA.json", "bank_last_updated": "2026-06-09T11:09:29.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 2.6, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.6, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "other_product" } ], "licence_shared_with": [], "guarantee": null }