Finding the best rates…
Bank One
Best available
Up to 4.25% p.a.
Line-up
1 live product
Compare Bank of Sydney and Southern Cross Credit Union savings accounts side by side. In March 2026, Bank of Sydney offers 1 account with rates up to 4.25% p.a., while Southern Cross Credit Union has 1 account reaching 4.65% p.a. Southern Cross Credit Union currently leads by 0.40%.
Bank Two
Best available
Up to 4.65% p.a.
Line-up
1 live product
1 live product
Best available rate
BOS Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.25%
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
Southern Cross Credit Union leads on headline savings rate by 0.40% 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 | Bank of Sydney | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.25% | 4.65% |
| Base rate | 4.25% | 0.90% |
| Bonus rate | 0.00% | 3.75% |
| Has conditions | No | Yes |
Every tracked savings accounts option from Bank of Sydney.
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, Bank of Sydney's BOS Saver offers up to 4.25% p.a., 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 0.40% p.a.
Southern Cross Credit Union's top rate requires meeting bonus conditions each month, while Bank of Sydney offers its rate with no ongoing requirements.
Bank of Sydney has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
| Feature | Bank of Sydney | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.25% | 4.65% |
| Base Rate | 4.25% | 0.90% |
| Bonus Rate | 0.00% | 3.75% |
| Conditions Required | No | Yes |
| Balance Cap | $99,999,999,999 | Unlimited |
Southern Cross Credit Union currently offers a 0.40% higher savings rate.
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Common Questions
Southern Cross Credit Union currently offers the higher rate at 4.65% p.a., compared to 4.25% p.a. Rates are sourced from live data and change frequently.
Bank of Sydney's best savings rate is 4.25% p.a. on the BOS Saver.
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.
Bank of Sydney'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, Southern Cross Credit Union pays approximately $200 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.40% p.a.