Finding the best rates…
Bank One
Best available
Up to 4.65% p.a.
Line-up
1 live product
Compare Southern Cross Credit Union and Unity Bank savings accounts side by side. In March 2026, Southern Cross Credit Union offers 1 account with rates up to 4.65% p.a., while Unity Bank has 1 account reaching 4.00% p.a. Southern Cross Credit Union currently leads by 0.65%.
Bank Two
Best available
Up to 4.00% p.a.
Line-up
1 live product
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
1 live product
Best available rate
MoneyMAX Account
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
4.00%
Bonus
0.00%
Conditions
No monthly hoops
Live edge
Southern Cross Credit Union leads on headline savings rate by 0.65% 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 | Southern Cross Credit Union | Unity Bank |
|---|---|---|
| Max rate | 4.65% | 4.00% |
| Base rate | 0.90% | 4.00% |
| Bonus rate | 3.75% | 0.00% |
| Has conditions | Yes | No |
Every tracked savings accounts option from Southern Cross Credit Union.
Every tracked savings accounts option from Unity Bank.
In March 2026, Southern Cross Credit Union's Star Saver offers up to 4.65% p.a. (0.90% base + 3.75% bonus), while Unity Bank's MoneyMAX Account reaches 4.00% p.a.. Southern Cross Credit Union currently leads by 0.65% p.a.
Southern Cross Credit Union's top rate requires meeting bonus conditions each month, while Unity Bank offers its rate with no ongoing requirements.
Southern Cross Credit Union has 1 savings product and Unity Bank has 1, giving you a range of options to compare.
| Feature | Southern Cross Credit Union | Unity Bank |
|---|---|---|
| Max Rate | 4.65% | 4.00% |
| Base Rate | 0.90% | 4.00% |
| Bonus Rate | 3.75% | 0.00% |
| Conditions Required | Yes | No |
| Balance Cap | Unlimited | Unlimited |
Southern Cross Credit Union currently offers a 0.65% higher savings rate.
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Common Questions
Southern Cross Credit Union currently offers the higher rate at 4.65% p.a., compared to 4.00% p.a. Rates are sourced from live data and change frequently.
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.
Unity Bank's best savings rate is 4.00% p.a. on the MoneyMAX Account.
Unity 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, Southern Cross Credit Union pays approximately $325 more in interest per year on a $50,000 balance. This is based on the headline rate difference of 0.65% p.a.