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 Westpac
VS
4 live products
Westpac
Best available rate
5.25%p.a.
Westpac Life (Under 35)
Highest ranked offer currently surfaced for this bank on the compare page.
Base rate
0.10%
Bonus
5.15%
Conditions
Bonus rules apply
Live edge
Westpac leads on headline savings rate by 0.60% p.a. right now. Use the feature table below to see whether that edge comes with extra conditions.
0.60% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | Southern Cross Credit Union | Westpac |
|---|---|---|
| Max rate | 4.65% | 5.25% |
| Base rate | 0.90% | 0.10% |
| Bonus rate | 3.75% | 5.15% |
| Has conditions | Yes | Yes |
All Southern Cross Credit Union Products
Every tracked savings accounts option from Southern Cross Credit Union.
All Westpac Products
Every tracked savings accounts option from Westpac.
In March 2026, Southern Cross Credit Union's Star Saver offers up to 4.65% p.a. (0.90% base + 3.75% bonus), while Westpac's Westpac Life (Under 35) reaches 5.25% p.a. (0.10% base + 5.15% bonus). Westpac currently leads by 0.60% p.a.
Westpac's rate applies on balances up to $30,000.
Southern Cross Credit Union has 1 savings product and Westpac has 4, giving you a range of options to compare.
Quick Comparison
| Feature | Southern Cross Credit Union | Westpac |
|---|---|---|
| Max Rate | 4.65% | 5.25% |
| Base Rate | 0.90% | 0.10% |
| Bonus Rate | 3.75% | 5.15% |
| Conditions Required |
Common Questions
Southern Cross Credit Union vs Westpac FAQs
Which bank has the better savings rate, Southern Cross Credit Union or Westpac?
Westpac currently offers the higher rate at 5.25% 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 Westpac's best savings account rate in 2026?
Westpac's best savings rate is 5.25% p.a. on the Westpac Life (Under 35), consisting of a 0.10% base rate and 5.15% bonus rate. This rate requires meeting monthly bonus conditions.