Finding the best rates…
Bank One
Best available
Up to 5.00% p.a.
Line-up
5 live products
Compare Great Southern Bank and Southern Cross Credit Union savings accounts side by side. In March 2026, Great Southern Bank offers 5 accounts with rates up to 5.00% p.a., while Southern Cross Credit Union has 1 account reaching 4.65% p.a. Great Southern Bank currently leads by 0.35%.
Bank Two
Best available
Up to 4.65% p.a.
Line-up
1 live product
5 live products
Best available rate
Youth Esaver
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
Great Southern 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 | Great Southern 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 Great Southern Bank.
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, Great Southern Bank's Youth Esaver 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). Great Southern Bank currently leads by 0.35% p.a.
Great Southern Bank offers its top rate unconditionally, while Southern Cross Credit Union requires monthly conditions. Great Southern Bank's rate applies on balances up to $5,000.
Great Southern Bank has 5 savings products and Southern Cross Credit Union has 1, giving you a range of options to compare.
| Feature | Great Southern 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 |
Great Southern Bank currently offers a 0.35% higher savings rate.
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Common Questions
Great Southern 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.
Great Southern Bank's best savings rate is 5.00% p.a. on the Youth Esaver.
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.
Great Southern 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, Great Southern 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.