Finding the best rates…
Bank One
Best available
Up to 4.75% p.a.
Line-up
1 live product
Compare RACQ Bank and Southern Cross Credit Union savings accounts side by side. In March 2026, RACQ Bank offers 1 account with rates up to 4.75% p.a., while Southern Cross Credit Union has 1 account reaching 4.65% p.a. RACQ Bank currently leads by 0.10%.
Bank Two
Best available
Up to 4.65% p.a.
Line-up
1 live product
1 live product
Best available rate
Bonus Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.01%
Bonus
4.74%
Conditions
Bonus rules apply
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
RACQ 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.
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | RACQ Bank | Southern Cross Credit Union |
|---|---|---|
| Max rate | 4.75% | 4.65% |
| Base rate | 0.01% | 0.90% |
| Bonus rate | 4.74% | 3.75% |
| Has conditions | Yes | Yes |
Every tracked savings accounts option from RACQ Bank.
Every tracked savings accounts option from Southern Cross Credit Union.
In March 2026, RACQ Bank's Bonus Saver offers up to 4.75% p.a. (0.01% base + 4.74% bonus), while Southern Cross Credit Union's Star Saver reaches 4.65% p.a. (0.90% base + 3.75% bonus). RACQ Bank currently leads by 0.10% p.a.
RACQ Bank's rate applies on balances up to $99,999.
RACQ Bank has 1 savings product and Southern Cross Credit Union has 1, giving you a range of options to compare.
| Feature | RACQ Bank | Southern Cross Credit Union |
|---|---|---|
| Max Rate | 4.75% | 4.65% |
| Base Rate | 0.01% | 0.90% |
| Bonus Rate | 4.74% | 3.75% |
| Conditions Required | Yes | Yes |
| Balance Cap | $99,999 | Unlimited |
RACQ Bank currently offers a 0.10% higher savings rate.
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Common Questions
RACQ 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.
RACQ Bank's best savings rate is 4.75% p.a. on the Bonus Saver, consisting of a 0.01% base rate and 4.74% bonus rate. This rate requires meeting monthly bonus conditions.
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.
Both RACQ Bank and Southern Cross Credit Union require meeting monthly conditions to earn their full bonus rates.
Based on current rates, RACQ Bank pays approximately $50 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.10% p.a.