2 live products
IMB Bank
Best available rate
5.00%p.a.
Reward Saver Kick Start
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
5.00%
Conditions
Bonus rules apply
Finding the best rates…
Savings Accounts Comparison
Bank One
IMB Bank
Best available
Up to 5.00% p.a.
Line-up
2 live products
VS
IMB 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
IMB 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.
0.35% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | IMB Bank | Southern Cross Credit Union |
|---|---|---|
| Max rate | 5.00% | 4.65% |
| Base rate | 0.00% | 0.90% |
| Bonus rate | 5.00% | 3.75% |
| Has conditions | Yes | Yes |
All IMB Bank Products
Every tracked savings accounts option from IMB Bank.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, IMB Bank's Reward Saver Kick Start 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). IMB Bank currently leads by 0.35% p.a.
IMB Bank's rate applies on balances up to $100,000.
IMB Bank has 2 savings products and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | IMB Bank | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 5.00% | 4.65% |
| Base Rate | 0.00% | 0.90% |
| Bonus Rate | 5.00% | 3.75% |
| Conditions Required | Yes |
Common Questions
IMB Bank vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, IMB Bank or Southern Cross Credit Union?
IMB 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.
What is IMB Bank's best savings account rate in 2026?
IMB Bank's best savings rate is 5.00% p.a. on the Reward Saver Kick Start. 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 IMB Bank and Southern Cross Credit Union savings accounts have conditions?
Both IMB Bank and Southern Cross Credit Union require meeting monthly conditions to earn their full bonus rates.