1 live product
BCU Bank
Best available rate
4.75%p.a.
Boss Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.20%
Bonus
4.55%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
BCU Bank
Best available
Up to 4.75% p.a.
Line-up
1 live product
VS
BCU Bank 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
BCU Bank leads on headline savings rate by 0.10% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.10% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | BCU Bank | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.75% | 4.65% |
| Base rate | 0.20% | 0.90% |
| Bonus rate | 4.55% | 3.75% |
| Has conditions | Yes | Yes |
All BCU Bank Products
Every tracked savings accounts option from BCU Bank.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, BCU Bank's Boss Saver offers up to 4.75% p.a. (0.20% base + 4.55% bonus), while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). BCU Bank currently leads by 0.10% p.a.
BCU Bank's rate applies on balances up to $100,000.
BCU Bank has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | BCU Bank | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.75% | 4.65% |
| Base Rate | 0.20% | 0.90% |
| Bonus Rate | 4.55% | 3.75% |
| Conditions Required | Yes |
Common Questions
BCU Bank vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, BCU Bank or Southern Cross Credit Union?
BCU Bank currently offers the higher rate at 4.75% p.a., compared to 4.65% p.a. Rates are sourced from live data and change frequently.
What is BCU Bank's best savings account rate in 2026?
BCU Bank's best savings rate is 4.75% p.a. on the Boss Saver, consisting of a 0.20% 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.