Find answers to your frequently asked questions

As a customer owned banking organisation, we are not driven by the need to return dividends to shareholders in the manner of the major banks. As a result, we're able to channel the profits we generate back to our members and broader community for ongoing benefit.

These benefits include innovative new products and services, low fees, great interest rates, high levels of personal service, as well as community development initiatives.

If you don’t believe your current financial institution values your business anymore, why stay loyal to them? If you’re sick of ever-increasing fees, reduced customer service and big profit banks that are more concerned about their shareholders than you, maybe it’s time you considered making the change to an institution that exists to benefit members.

The BSB number is 805-007.

If you're keen to say goodbye to big-profit banks and join the Credit Union SA community, we'd be delighted to welcome you aboard. And you'll be happy to hear that joining is easy to do. Find out more about the benefits of becoming a member.

Our requirements are that you

• Complete our online Membership Application form
• Can adequately verify your identity.

To apply for membership

• Complete our online Membership Application form
• Visit us at 400 King William Street, Adelaide;
• Arrange an appointment with one of our Mobile Managers; or
• Call us on 13 8777 to have the form posted out to you.

Yes, our Personal Loans offer flexible repayment options, no fees for extra repayments, and no fees for early repayment of loan in full.

Absolutely. You’ll still have the flexibility to make extra repayments on the variable home loan or refinance to a shorter loan term should you choose.

You certainly can, and on Variable Rate Home Loans you can make an unlimited amount of extra payments without penalty. For Fixed Rate Home Loans, there are limits as to how much extra you can put in. To find out more visit the Compare Home Loans page.

Providing you redraw a minimum of $500 at a time, you can redraw excess funds at any time for no fees. To find out more visit the Compare Home Loans page.

Credit Union SA can refer you to some highly experienced local specialists that provide a quality service we're proud to recommend. What's more, they offer Credit Union SA members:

• Advice on any real estate matter;
• Competitive fees;
• 100% online digital service from conveyancingSA.com.au at a time to suit you; or,
• Access to S.A.I.T. Conveyancers and Botten Conveyancing in convenient Adelaide CBD locations.

Find out more

A direct debit is an arrangement that you make directly with the third party – authorising them to take money out of your account – so any disputes in relation to the direct debit needs to be discussed with them directly. Of course if you are having problems in getting it sorted out, we’d be happy to assist you.