Rating based on 1,156 reviews


image of BCU
image of BCU

About BCU

Having won Money Magazine’s Credit Union of the Year Award BCU is certainly one of Australia’s leading credit unions – offering the low rates that credit unions have become so well known for while keeping up with the trends and innovations in the financial industry.

BCU – for the community

Bananacoast Community Credit Union was founded in the 1970’s and currently offers one of the largest and most innovative ranges of financial solutions for families, students, children and businesses.

Their personal loans are among one of the most competitive in Australian with rates starting from as low as 8.94% variable or a comparison rate of 9.85% which is low enough to allow members to consolidate debt and save big.

Standing the test of time

It’s always comforting to know that your money is in the hands of an institution that is not profit driven but rather, strives to bring value and excellence to their members.

Since BCU’s inception 47 years ago they have strived to bring members lower fee products and maximum value on everything from home loans to quick cash loans for emergencies.

What BCU can offer you

Bananacoast Community Credit Union offer financial services that are an alternative to the large banks. As a credit union any profits generated are reinvested into the credit union to help bring more value and lower fees on all of their products and services.

Financial services for students

If you’re a student you will likely need modern, flexible quick and online financial products and services that meet your needs.

BCU is not a slacker then it comes to keeping up with the times and offer you everything from credit cards and personal loans for students to foreign currency exchange and savings and access accounts that are designed for youth.

They offer the following products for households:

  • Savings Accounts
  • Access accounts
  • Credit cards
  • Investments products
  • Home loans
  • Offset accounts

BCU also offer very competitive financial products for businesses including business loans and finance solutions as well as transactional accounts.

Interest Rate

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Loan Amount



Repayment Term

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In a Nutshell

Join the credit union that’s redefining modern banking

Whether you’re an entrepreneur looking for a business loan to finance the purchase of new equipment or a student just getting started and looking for an everyday bank account that will keep more money in your pocket – BCU is the credit union for you!

An overview of services

BCU offers everything that a traditional bank does but, they offer it at lower prices and with a little more soul.

If you make use of a loan comparison website you are3 very likely to see BCU’s personal and business loans listed among some of the most affordable and valuable

Join BCU online

If you’re looking for a personal loan you can only complete an online loan application if you’re already a member.

To become a member of BCU you can apply online. You will need a telephone number, email address, your driving licence, your Medicare card or Australian passport and a complete an application for the specific BCU product you need (as shown below).

BCU membership packages

  • BCU access
  • BCU basic access
  • BCU investment
  • BCU isaver and BCU access
  • BCU dream saver and BCU access

Products for households

Unlike most lenders these days who split their major offering into products for businesses and individuals – BCU used the term “households” – something many people appreciate.

These products and services include home loans, personal loans, savings accounts, credit cards and investment products like their BCU investment which is for people looking to invest $1,000 or more.

Eligibility & Requirements

Other Products & Services

  • Personal Loans
  • Home Loans
  • Insurance
  • Credit Cards
  • Investments
  • Life Insurance

Customer Reviews & Testimonials

February 2019

Since I became involved with the BCU family I have only been pleasantly surprised. There are no hidden catches and I have the freedom to do with my finances as I please. A big thanks to BCU for a...

David M
— Perth —

October 2018

When it comes to fair finance BCU stands undefeated. After doing a lot of investigation I finally settled on BCU as the best option for my financial wellbeing and I will never change.

Susan W
— Mount Barker —

November 2018

With the help of BCU I was able to get up close and personal with a personal loan. With the assistance of their personal loan I was able to regain control of my financial situation and balance my...

Mandy F
— Newman —

 Find us here

69 Park Beach Rd, Coffs Harbour

Postal Address

PO Box 6328, Coffs Harbour Plaza, NSW, 2450, Australia

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