At BCU Bank, our members act like they own the place – because they do.

BCU is owned by our members, which means that, unlike the big banks, our profits flow back to our customers and our community.

Our shareholders aren’t some squiggly line on the stock exchange. They’re members, just like you. When you bank with BCU, you’re the boss. You’re the head honcho.

That means fair prices, flexible products, and competitive rates designed for you and your financial wellbeing.

It’s banking the way it should be.

A different kind of bank.

Have you heard the one about the banana farmers and the bank?

In 1970, our clever bunch of founders – mostly banana farmers from northern New South Wales – had an idea for a bank that was not like the others.

That bunch of legends knew their community well, and they knew people were craving a realistic alternative to the big banks.

A bank that put people before profits, and community before commerce. 

A bank that knew what its members needed and tailored its products accordingly.

A bank that could do the things the other banks just couldn’t do.

And just like that, BCU was born.

Member owned. Member first.

Fast forward 50 years and a lot has changed. Most of us aren’t wearing bell-bottom trousers anymore, and BCU now operates up and down the east coast.

But in all that time, BCU’s purpose has remained the same. We’re still owned by our members, and we’re right by your side, helping you to take control of your future and achieve your financial goals.

Member-owned banks have a different business model from the banks you might be used to. We don’t have any shareholders chasing profit for profit’s sake – instead, because we’re owned by our members, our profits go back to supporting them and the things they care about.

It’s because of this business model that we can offer competitive rates and fair fees that beat the big banks, so you can reach your financial goals faster.

It’s why we’re able to offer strong support to our local communities and charities.

That’s the member-owned advantage.

When we say everything we do is guided by you, we mean it. At BCU, you have a say in how we go about our business.

BCU members get full access to our financial results and our future plans. If you have something to say about what we’re up to, you can take part in our annual general meeting or get in contact with our team.

After all, we’ve always got time for the boss.

Big enough to deliver. Small enough to care.

Community experts, backed by a national network? That’s right on the money.

BCU is operated by a team of dedicated experts in your community, guided by local teams in Brisbane and Coffs Harbour.

But BCU is also part of national finance company P&N Group. The backing of P&N Group gives us the ability to be more agile and competitive, and to deliver flexible products, state-of-the-art technology and user-friendly online banking, with a centralised operating model to drive costs and efficiencies.

It’s about amplifying what we do best at BCU, without ever losing sight of why we do it – to enrich the lives of our members and their communities.

It’s all the bells and whistles you’ve come to expect from the big banks, with the kind of service only a member-owned bank can provide.

Bank your way.

Call us old-fashioned, but we think you should be able to bank the way you want to.

Want to come in and see us at one of our branches? We’ve got plenty of them, from Maroochydore to Port Macquarie and plenty of places between, all staffed by real people with real expertise, making a real difference in the community.

Prefer to manage your money on the move? No problem. You can bank online using BCU iBank, the BCU Bank app, or give our friendly operators a call. You can even get the full picture of all your finances from all your accounts – including the ones with other financial institutions – with our new companion app, mymo by BCU.

Want us to come to you? We’ll be there. Our mobile lenders will meet you on the sidelines of your kids’ sport, at your favourite cafe, or at your place. What can we say? We like getting out of the office.

Whichever way you like to bank, you can stay in your comfort zone with BCU.

A partnership you can depend on.

We’ve learned a lot in 50+ years. If there’s one thing we know for sure, it’s that no two members are the same.

That’s why the trusted and experienced financial partners at BCU treat every interaction with a member as a conversation, not a transaction.

We’ll ask the right questions, assess your situation, and provide you with options so you can choose the product or service that best meets your needs.

From home loans to business banking and car insurance, we offer products tailored to suit your needs and help you achieve your goals at various stages of life’s financial journey.

When you open your first bank account, we’ll be there to help your money grow.

When you make important financial decisions, we’ll be by your side.

When you fall on hard times, we’re there to guide you through.

No matter where you are on your path, we have got the people and the products to ensure your financial wellbeing is in the safest hands.

That’s a true partnership. And we won’t even expect you to remember our anniversary.

Banking without the bank speak.

We get it. Financial jargon isn’t everyone’s jam. Not everyone is as excited about index rates and the annual percentage yield as we are.

But the more you know, the less overwhelming banking can feel and the more control you can have over your finances.

That’s why we make the complicated simple with financial tips for our members in plain English.

We’ve made a commitment to talk to our members without the jargon and to deliver regular insights and info to help educate and empower you.

When it comes to your money, you should know what’s really going on – because every Australian deserves to feel confident when it comes to their finances.

With BCU by your side, you can reach your financial goals on your terms.

Give us a call, email us, or visit a branch today to discover why our members love BCU.

Important information

Banking and Credit products issued by Police & Nurses Limited (BCU) ABN 69 087 651 876 AFSL/Australian Credit Licence 240701. Any advice does not take into account your objectives, financial situation or needs. Read the relevant Product Terms and Condition, before acquiring this product in considering and deciding whether it is right for you. The Target Market Determination (TMD) for products is available on request. Lending criteria, terms & conditions, fees & charges apply.