4 live products
ANZ
Best available rate
4.50%p.a.
Growth Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.40%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
ANZ
Best available
Up to 4.50% p.a.
Line-up
4 live products
VS
ANZ vs Southern Cross Credit Union
VS
1 live product
Southern Cross Credit Union
Best available rate
4.65%p.a.
Star Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.90%
Bonus
3.75%
Conditions
Bonus rules apply
Live edge
Southern Cross Credit Union leads on headline savings rate by 0.15% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.15% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ANZ | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.50% | 4.65% |
| Base rate | 0.10% | 0.90% |
| Bonus rate | 4.40% | 3.75% |
| Has conditions | Yes | Yes |
All ANZ Products
Every tracked savings accounts option from ANZ.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, ANZ's Growth Saver offers up to 4.50% p.a. (0.10% base + 4.40% bonus), while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). Southern Cross Credit Union currently leads by 0.15% p.a.
ANZ has 4 savings products and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | ANZ | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.50% | 4.65% |
| Base Rate | 0.10% | 0.90% |
| Bonus Rate | 4.40% | 3.75% |
| Conditions Required | Yes | Yes |
Common Questions
ANZ vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, ANZ or Southern Cross Credit Union?
Southern Cross Credit Union currently offers the higher rate at 4.65% p.a., compared to 4.50% p.a. Rates are sourced from live data and change frequently.
What is ANZ's best savings account rate in 2026?
ANZ's best savings rate is 4.50% p.a. on the Growth Saver, consisting of a 0.10% base rate and 4.40% bonus rate. This rate requires meeting monthly bonus conditions.
What is Southern Cross Credit Union's best savings account rate in 2026?
Southern Cross Credit Union's best savings rate is 4.65% p.a. on the Star Saver, consisting of a 0.90% base rate and 3.75% bonus rate. This rate requires meeting monthly bonus conditions.
Do ANZ and Southern Cross Credit Union savings accounts have conditions?
Both ANZ and Southern Cross Credit Union require meeting monthly conditions to earn their full bonus rates.