If you're looking for an alternative to the big banks, you're going to love bcu. Simply put, we offer great products and rates, and we include the personalised service that the bigger banks seem to have forgotten about.
When you talk to one of our team, and yes we’re all based in Australia, you can look forward to having all of your questions answered, being offered great products and a smooth application process.
Don’t have a bcu store or atm nearby? No problem. You can apply for most products online, and use our internet banking (iBank) to manage your account. You may also be eligible for our Anywhere Access facility providing you with access to our partner network of atm and in-store services at little or no cost.
Haven’t heard of bcu? We started in the early ‘70s, when a small group of business owners on the NSW North Coast decided to create an alternative to the banks. Fed up with the limitations of traditional finance, and just wanting a fair go, they pooled their resources and started offering business loans to their colleagues.
40 years on, our network now spans from Port Macquarie to the Sunshine Coast and you can access your bcu home loan (and other bcu products) any time, using bcu internet banking or our mobile app. While our services and products have changed over the years, we still place great importance on our customer relationships, and continue to provide a fair go banking alternative by keeping our products relevant, our fees fair and offer the little extras that many of our competitors don't.
Get the ball rolling, apply or talk to a bcu team member today.
^Offer available to new and approved credit card applicants who apply for a bcu Classic credit card account with the balance transfer and to existing credit card holders. Your total balance transfers with this offer may not exceed 95% of your credit limit. Offer available in respect of balances transferred from non-bcu credit card accounts issued in Australia only. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 4 months from the date the credit card application is approved or on receipt of a Balance Transfer request. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the cash advance balance and accrues interest from the expiry date at the cash advance rate, currently 11.80% p.a. for bcu Classic Credit Card account. These interest rates are variable and subject to change. These rates are effective as at 02 October 2015 and are subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the bcu Credit Cards General Conditions of Use. bcu reserves the right to withdraw this offer at any time. Note - whilst a balance transfer balance exists unless the balance of the most recent statement is repaid in full, any purchases will not have an interest free period. In order to revert to an interest free period for purchases the balance of the account has to be repaid in full (including any balance transfer).
*15 minute approval applies to fully completed, over the phone credit card applications taken within NSW business hours from eligible customers.
#90 minute approval applies to fully completed online applications received within NSW business hours.
~Annual Fee of $40.00 applies. The first annual fee will be debited to your card account following the time a user activates or uses a card after receiving it or otherwise operates or authorises the operation of the card account.
1 All interest rates are annual percentage rates (APR) and variable rates are subject to change (see our current rates here).
2 Available for bcu rewarder credit card only (details here).
Personal Rewarder Card Conditions of Use
Credit Cards General Conditions of Use
Credit Card Key Fact Sheet