1 live product
BankSA
Best available rate
4.65%p.a.
Incentive Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
4.55%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
BankSA
Best available
Up to 4.65% p.a.
Line-up
1 live product
VS
BankSA vs Southern Cross Credit Union
Compare BankSA and Southern Cross Credit Union savings accounts side by side. In March 2026, BankSA offers 1 account with rates up to 4.65% p.a., while Southern Cross Credit Union has 1 account reaching 4.65% p.a.
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
BankSA and Southern Cross Credit Union are level on headline savings rate. Base rate and bonus conditions will decide the better real-world option.
Rates level
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | BankSA | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.65% | 4.65% |
| Base rate | 0.10% | 0.90% |
| Bonus rate | 4.55% | 3.75% |
| Has conditions | Yes | Yes |
All BankSA Products
Every tracked savings accounts option from BankSA.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, BankSA's Incentive Saver offers up to 4.65% p.a. (0.10% base + 4.55% bonus), while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). Both banks are offering the same headline rate.
BankSA's rate applies on balances up to $249,999.
BankSA has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | BankSA | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.65% | 4.65% |
| Base Rate | 0.10% | 0.90% |
| Bonus Rate | 4.55% | 3.75% |
| Conditions Required | Yes |
Common Questions
BankSA vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, BankSA or Southern Cross Credit Union?
BankSA currently offers the higher rate at 4.65% p.a., compared to 4.65% p.a. Rates are sourced from live data and change frequently.
What is BankSA's best savings account rate in 2026?
BankSA's best savings rate is 4.65% p.a. on the Incentive Saver, consisting of a 0.10% base rate and 4.55% 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 BankSA and Southern Cross Credit Union savings accounts have conditions?
Both BankSA and Southern Cross Credit Union require meeting monthly conditions to earn their full bonus rates.