1 live product
Police Bank
Best available rate
4.75%p.a.
U30 Super Charge
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.75%
Bonus
0.00%
Conditions
No monthly hoops
Finding the best rates…
Savings Accounts Comparison
Bank One
Police Bank
Best available
Up to 4.75% p.a.
Line-up
1 live product
VS
Police Bank 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
Police 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 | Police Bank | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.75% | 4.65% |
| Base rate | 4.75% | 0.90% |
| Bonus rate | 0.00% | 3.75% |
| Has conditions | No | Yes |
All Police Bank Products
Every tracked savings accounts option from Police Bank.
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, Police Bank's U30 Super Charge offers up to 4.75% p.a., while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). Police Bank currently leads by 0.10% p.a.
Police Bank offers its top rate unconditionally, while Southern Cross Credit Union requires monthly conditions. Police Bank's rate applies on balances up to $10,000.
Police Bank has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Police Bank | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.75% | 4.65% |
| Base Rate | 4.75% | 0.90% |
| Bonus Rate | 0.00% | 3.75% |
| Conditions Required |
Common Questions
Police Bank vs Southern Cross Credit Union FAQs
Which bank has the better savings rate, Police Bank or Southern Cross Credit Union?
Police 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 Police Bank's best savings account rate in 2026?
Police Bank's best savings rate is 4.75% p.a. on the U30 Super Charge.
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 Police Bank and Southern Cross Credit Union savings accounts have conditions?
Police 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.