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
Finding the best rates…
Savings Accounts Comparison
Bank One
Southern Cross Credit Union
Best available
Up to 4.65% p.a.
Line-up
1 live product
VS
Southern Cross Credit Union vs Up
Compare Southern Cross Credit Union and Up savings accounts side by side. In March 2026, Southern Cross Credit Union offers 1 account with rates up to 4.65% p.a., while Up has 1 account reaching 4.85% p.a. Up currently leads by 0.20%.
VS
1 live product
Up
Best available rate
4.85%p.a.
Up Saver
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.00%
Bonus
4.85%
Conditions
Bonus rules apply
Live edge
Up leads on headline savings rate by 0.20% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.20% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Southern Cross Credit Union | Up |
|---|---|---|
| Max rate | 4.65% | 4.85% |
| Base rate | 0.90% | 0.00% |
| Bonus rate | 3.75% | 4.85% |
| Has conditions | Yes | Yes |
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
All Up Products
Every tracked savings accounts option from Up.
In March 2026, Southern Cross Credit Union's Star Saver offers up to 4.65% p.a. (0.90% base + 3.75% bonus), while Up's Up Saver reaches 4.85% p.a.. Up currently leads by 0.20% p.a.
Up's rate applies on balances up to $250,000.
Southern Cross Credit Union has 1 savings product and Up has 1, giving you a range of options to compare.
Quick Comparison
| Feature | Southern Cross Credit Union | Up |
|---|---|---|
| Max Rate | 4.65% | 4.85% |
| Base Rate | 0.90% | 0.00% |
| Bonus Rate | 3.75% | 4.85% |
| Conditions Required | Yes |
Common Questions
Southern Cross Credit Union vs Up FAQs
Which bank has the better savings rate, Southern Cross Credit Union or Up?
Up currently offers the higher rate at 4.85% p.a., compared to 4.65% p.a. Rates are sourced from live data and change frequently.
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.
What is Up's best savings account rate in 2026?
Up's best savings rate is 4.85% p.a. on the Up Saver. This rate requires meeting monthly bonus conditions.
Do Southern Cross Credit Union and Up savings accounts have conditions?
Both Southern Cross Credit Union and Up require meeting monthly conditions to earn their full bonus rates.