Finding the best rates…
Bank One
Best available
Up to 5.00% p.a.
Line-up
1 live product
Compare Australian Mutual Bank and Southern Cross Credit Union savings accounts side by side. In March 2026, Australian Mutual Bank offers 1 account with rates up to 5.00% p.a., while Southern Cross Credit Union has 1 account reaching 4.65% p.a. Australian Mutual Bank currently leads by 0.35%.
Bank Two
Best available
Up to 4.65% p.a.
Line-up
1 live product
1 live product
Best available rate
Young Saver Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
5.00%
Bonus
0.00%
Conditions
No monthly hoops
1 live product
Best available rate
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
Australian Mutual Bank leads on headline savings rate by 0.35% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Australian Mutual Bank | Southern Cross Credit Union |
|---|---|---|
| Max rate | 5.00% | 4.65% |
| Base rate | 5.00% | 0.90% |
| Bonus rate | 0.00% | 3.75% |
| Has conditions | No | Yes |
Every tracked savings accounts option from Australian Mutual Bank.
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, Australian Mutual Bank's Young Saver Account offers up to 5.00% p.a., while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). Australian Mutual Bank currently leads by 0.35% p.a.
Australian Mutual Bank offers its top rate unconditionally, while Southern Cross Credit Union requires monthly conditions. Australian Mutual Bank's rate applies on balances up to $5,000.
Australian Mutual Bank has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
| Feature | Australian Mutual Bank | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 5.00% | 4.65% |
| Base Rate | 5.00% | 0.90% |
| Bonus Rate | 0.00% | 3.75% |
| Conditions Required | No | Yes |
| Balance Cap | $5,000 | Unlimited |
Australian Mutual Bank currently offers a 0.35% higher savings rate.
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Common Questions
Australian Mutual Bank currently offers the higher rate at 5.00% p.a., compared to 4.65% p.a. Rates are sourced from live data and change frequently.
Australian Mutual Bank's best savings rate is 5.00% p.a. on the Young Saver Account.
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.
Australian Mutual Bank's top rate has no ongoing conditions, while Southern Cross Credit Union requires meeting bonus conditions each month to earn the full advertised rate.
Based on current rates, Australian Mutual Bank pays approximately $175 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.35% p.a.