1 live product
HSBC
Best available rate
4.65%p.a.
Everyday Savings (Intro)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
2.50%
Bonus
0.00%
Conditions
No monthly hoops
Finding the best rates…
Savings Accounts Comparison
Bank One
HSBC
Best available
Up to 4.65% p.a.
Line-up
1 live product
VS
HSBC vs Southern Cross Credit Union
Compare HSBC and Southern Cross Credit Union savings accounts side by side. In March 2026, HSBC 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
HSBC 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 | HSBC | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.65% | 4.65% |
| Base rate | 2.50% | 0.90% |
| Bonus rate | 0.00% | 3.75% |
| Has conditions | No | Yes |
All HSBC Products
Every tracked savings accounts option from HSBC.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, HSBC's Everyday Savings (Intro) offers up to 4.65% p.a., 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.
HSBC offers its top rate unconditionally, while Southern Cross Credit Union requires monthly conditions. HSBC's rate includes an introductory component for 3 months. HSBC's rate applies on balances up to $1,000,000.
HSBC has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | HSBC | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.65% | 4.65% |
| Base Rate | 2.50% | 0.90% |
| Bonus Rate | 0.00% | 3.75% |
Common Questions
HSBC vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, HSBC or Southern Cross Credit Union?
HSBC 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 HSBC's best savings account rate in 2026?
HSBC's best savings rate is 4.65% p.a. on the Everyday Savings (Intro).
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 HSBC and Southern Cross Credit Union savings accounts have conditions?
HSBC's top rate has no ongoing conditions, while Southern Cross Credit Union requires meeting bonus conditions each month to earn the full advertised rate.