Find answers to your frequently asked questions
See below answers to common questions about our products and services. If you are unable to find what you need, please contact us.
Popular Questions
Credit Union SA is South Australia's third largest credit union, with $1.7 billion in assets and over 54,000 members.
Credit Union SA was formed on 1 October 2009 by a merger between former South Australian credit unions Satisfac and Powerstate, which had their origins in the education and industrial sectors respectively. Both organisations were renowned for their local knowledge
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 membership and broader community.
This is achieved in the form of innovative new products and services, competitive fees and interest rates, high levels of personal service, community development initiatives and project funding.
Visit or call us
Visit 400 King William Street, Adelaide or call us 13 8777 to discuss loans, credit cards, savings accounts or any of our other services. You can speak to a member of our friendly team quickly and easily, six days a week. If you have your Access Code we can help you quickly and efficiently, but if you don’t have one that’s fine – give us a call and we can help with your enquiries.
400 King William Street, Adelaide
- 13 8777
- +61 8 13 8777 overseas
Online
Fax
- (08) 8211 9457 in Australia
- +61 8 13 8777 overseas
Write to us
Customer Relations
Credit Union SA
GPO Box 699
Adelaide SA 5001
Yes. Protecting our members' funds is of paramount importance to Credit Union SA. Payments made through the NPP enjoy the same high levels of security that Credit Union SA is renowned for. Some of the protections in place include:
| Two-factor Authentication (2FA) | Two-factor Authentication is a process that adds another layer of security to your transactions. A unique code will be sent to your phone, or can be read from a VIP token, then entered into the relevant space where requested. Read more about Two-factor Authentication on the Australian Cyber Security Centre Website. |
| 24/7 Fraud Monitoring | Credit Union SA will ensure that all NPP transactions are monitored 24/7. You will be contacted if we suspect you have been the victim of fraud. |
- You’ll need to be registered for Internet Banking – visit us at 400 King William Street, Adelaide or call us on 13 8777 to register.
- Make sure your mobile phone number and email address are up to date.
- Use Internet Banking or our Mobile Banking App to make faster payments using BSB and account numbers, or a registered PayID.
- Let us know where you are heading and how long for using your Mobile Banking App or Internet Banking.
- Organise some foreign currency you may need for your trip. You can buy foreign cash from 400 King William Street, Adelaide and over the phone and use your Credit Union SA Visa Debit Card overseas.
- Memorise your PIN – this is the same PIN you use at home and is used in the same way at ATMs and in some countries, over-the-counter.
- Check the expiry date on all of your cards and ensure they are valid for the duration of your trip.
- Photocopy your Visa Debit Card and passport, but keep the photocopies separate as proof of information.
- If you are unsure of the security of an ATM please don't use it. A Visa cash advance can be done at any financial institution that displays the VISA symbol. You will need to take your card and passport as proof of ID.
- You can also turn international purchases off at any time using Internet Banking or your Mobile Banking App (for extra security). Plus, you can turn off domestic purchases and ATM withdrawals – which is a good idea if you’re travelling overseas.
- For the latest travel updates and information, visit smartraveller.com.au.
You need to provide the sending party with Credit Union SA's BSB 805-007 and your preferred Account Number and Account Name. Once you have done that, it’s up to the payer to set up transfers to your specified account.
Auto transfers are a simple and easy way to make regular payments, providing you with full control over how and when those payments are made.
They are regular transfers set up from your account to either a third party account, a BPAY biller, or another account of your own within Credit Union SA or at another financial institution. You can program the payments to occur weekly, fortnightly, monthly or quarterly for an indefinite or set number of occurrences. You have full control over how much is being sent, how often, to whom and when to stop the payments from being made.
If you wish to stop a direct debit that you previously authorised for a third party supplier to deduct payments from your account, you can contact the supplier directly to request a cancellation or you can request us to contact the supplier and cancel the payment on your behalf. If you request us to stop the payment you must contact us at least five business days before the next payment is due and we recommend you also contact the supplier to avoid any fees that the supplier may charge you as a result of the direct debit being dishonoured. Refer to Section 20 of Deposit Accounts and Access Services Terms and Conditions.
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.
Filter by - About us
About us
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 Board of the Credit Union is committed to protecting members’ interests, keeping members fully informed about the performance of the Credit Union and protecting and enhancing member value.
Effective governance provides the framework to ensure the Credit Union is managed soundly and prudently by a competent Board which can make reasonable and impartial business judgements in the best interests of the Credit Union and which duly considers the impact of its decisions on members.
Download our 2021 corporate governance statement
A credit union is a member-owned financial organisation. Credit unions are created and operated for the benefit of their members and wider community.
If you would like to close your membership with us (this includes all of your accounts and services), you’ll need to complete our Membership Resignation form. To return the completed form you can either:
- Email us at info@creditunionsa.com.au;
- Visit us at 400 King William Street, Adelaide; or
- Post to:
Credit Union SA
Reply Paid 699
Adelaide SA 5001
Please note your membership cannot be fully closed until all your services and accounts have been settled. This includes any interest owing, pending transactions or fees plus, loans and advances.
We’ll let you know either by post or email once we’ve closed your accounts and services. Also, if you paid your member share when joining us, we’ll return your share funds to your nominated account.
Don’t forget to change over or cancel your direct debits or credits (wages).
Need Help?
If you have any questions, please call us on 13 8777 – we’re here to help!
| Monday – Friday | 8am – 8pm |
| Saturday | 8am – 2pm |
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.
The BSB number is 805-007. For quick reference, it is available in the top right hand corner of the website.
We’re a Credit Union, which means we offer all the same services as a bank but with one very important difference - our highest priorities are our members and community.
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.
Visit or call us
Visit 400 King William Street, Adelaide or call us 13 8777 to discuss loans, credit cards, savings accounts or any of our other services. You can speak to a member of our friendly team quickly and easily, six days a week. If you have your Access Code we can help you quickly and efficiently, but if you don’t have one that’s fine – give us a call and we can help with your enquiries.
400 King William Street, Adelaide
- 13 8777
- +61 8 13 8777 overseas
Online
Fax
- (08) 8211 9457 in Australia
- +61 8 13 8777 overseas
Write to us
Customer Relations
Credit Union SA
GPO Box 699
Adelaide SA 5001
Credit Union SA is South Australia's third largest credit union, with $1.7 billion in assets and over 54,000 members.
Credit Union SA was formed on 1 October 2009 by a merger between former South Australian credit unions Satisfac and Powerstate, which had their origins in the education and industrial sectors respectively. Both organisations were renowned for their local knowledge
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 membership and broader community.
This is achieved in the form of innovative new products and services, competitive fees and interest rates, high levels of personal service, community development initiatives and project funding.
How we
can help
Contact Us
You can contact us by calling us, visiting us, making an appointment, or using Secure mail.
Call us
We're here to answer any questions you might have - make sure you have your Access Code ready!
Visit us
Our branch at 400 King William Street, Adelaide, has self-service options to make banking easier.
Mobile Lending Managers
Our Mobile Lending Managers are here to help with your home loan journey.