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Results

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  • G&C Mutual Bank appointed to First Home Loan Deposit Scheme lending panel

    The Federal Government’s National Housing Finance and Investment Corporation (NHFIC) announced today that G&C Mutual Bank (G&C) has been appointed to the lending panel for the Federal Government’s First Home Loan Deposit Scheme (the Scheme). G&C will commence funding Government-guaranteed loans from 1 February, 2020.

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  • Home Guarantee Scheme

    G&C Mutual Bank offer loans under the Australian Government's Home Guarantee Scheme, helping eligible first home buyers purchase a home with a smaller deposit.

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  • How to save for your first home

    Buying your first home can be daunting, but with the right planning, you might be holding the keys to your dream home sooner than you think.

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  • First Home Buyer Loan - Owner Occupied

    Take control of your first home purchase with our First Home Buyer Loan. A low variable rate home loan with an offset account. Apply online today.

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  • Introducing HomeBuilder

    HomeBuilder is a $25,000 tax-free grant for eligible owner-occupiers, including first time buyers, to build a new home or substantially renovate an existing home.

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  • Victorian Homebuyer Fund

    The Victorian Homebuyer Fund helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

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  • How home loan pre-approval can help you

    Navigating the home buying process can be challenging and overwhelming, at times, but obtaining pre-approval from your lender can help you get started. As well as giving you an indication of your borrowing power, it can help give you the confidence to make an offer on a property.

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  • Regional First Home Buyer Guarantee

    The Regional First Home Buyer Guarantee (RFHBG) helps eligible buyers with a smaller deposit buy a home. Enquire today.

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  • First Home Guarantee

    The First Home Buyer Guarantee (FHBG) helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

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  • The real costs of buying a home

    It’s easy to get caught up in the excitement of buying a home, but, unlike most of your purchases, there will be costs in addition to the price tag that you will need to consider carefully. So, before you call your removalists here’s what to expect.

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  • First Home Buyer FAQ

    Buying your first home can be daunting, but we’re here to help you achieve your home ownership dreams. Read our Frequently Asked Questions.

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  • First Home Buyer Guide

    Our First Home Buyer Guide helps members understand important information about buying your first home. Our friendly team is always happy to help.

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  • Family Home Guarantee

    The Family Home Guarantee (FHG) supports eligible buyers with a smaller deposit to purchase a home. Enquire with our team today.

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  • Sitemap

    Explore the G&C Mutual Bank website. It's your bank, because you own it.

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  • Home loan glossary

    Our glossary helps you understand various financial jargon relating to home loans, so that you can navigate though the process.

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  • Financial resolutions for 2021

    The start of a new year is the perfect time to reflect on your financial position and set goals for what you would like to accomplish. Here are five common financial goals and tips to help you achieve them.

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  • Canstar 2023 recognition of our First Home Buyer Loan

    Canstar 2023 Awards Best First Home Buyer Loan awarded to G&C Mutual Bank. The award recognises institutions offering outstanding value home loans as well as additional services

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  • Saving for your deposit: how to get there faster

    Buying a home is a major commitment and saving for a deposit is likely to be your biggest challenge. Saving the ideal 20 percent of a property’s value can seem near impossible, however, there are ways you can maximise your savings to get there faster.

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  • Winner of three RateCity Home Loan Awards

    G&C Mutual Bank is delighted to have received three Gold Awards as part of the inaugural RateCity Home Loan Awards including Small Deposit Home Loan, Packaged Home Loan and Investor 3 Year Fixed Home Loan.

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  • Target Market Determinations

    A target market determination (TMD) is a document, per product, describing who the product may be suitable for and related conditions for usage.

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  • Understanding Lenders Mortgage Insurance

    Learn about how Lenders Mortgage Insurance can help you to achieve your property dreams.

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  • Know your first home loan

    Finding the right home loan for your circumstances could help you get into the property market sooner. Here are some common home loan features.

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  • First home buyers - is now the time to buy?

    Is now the right time for you to take the leap into homeownership? Here are some of the factors to consider when buying your first home.

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  • Canstar's Customer Owned Bank of the Year – First Home Buyer 2023-2024

    It is with pride that we announce that G&C Mutual Bank has secured Canstar's First Home Buyer Award for the second year in a row

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  • Buy my first home

    If you are a first home buyer, G&C Mutual Bank is here to support you buy your first home.

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  • Supporting retirees with our Retirees Access Home Loan

    G&C Mutual Bank developed the Retirees Access Home Loan to support retirees who wish to maintain a comfortable lifestyle while remaining in their own home.

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  • Buy a home

    If you are looking to buy a home, G&C Mutual Bank is here to support you on your home ownership journey.

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  • Home Page

    Discover G&C Mutual Bank. It’s your bank, because you own it. Enquire about our home loans, personal loans, credit cards, term deposits or savings accounts. We're ready to help you.

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  • Momentum Home Loan wins in the 2024 RateCity Gold Awards

    For the second year in a row, G&C Mutual Bank’s Momentum Home Loan was recognised in the RateCity Gold Awards.

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  • Momentum Home Loan wins 5 RateCity 2023 Gold Awards

    We’re excited to announce that our Momentum Home Loan has won five awards in RateCity’s 2023 Gold Awards.

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  • Living our values

    Our culture is underpinned by our values. We strive to live these values in all aspects of our work. We proudly share one member's feedback of her experience with us.

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  • Victorian Homebuyer Fund FAQ

    Find answers to frequently asked questions about the Victorian Homebuyer Fund.

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  • InfoChoice Home Loan Lender of the Year again!

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  • Thank you, Dave!

    During Dave Taylor’s 11-year tenure as CEO, G&C Mutual Bank has achieved an outstanding turnaround in financial performance. On his retirement, we look back at some of these achievements.

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  • Mozo Experts Choice Awards success: Home Loans

    The Mozo Experts Choice Awards highlight Australia’s best financial products and we are delighted to have received the three awards for our First Home Loan Premium Package across three categories.

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  • Award-winning support for essential workers

    G&C Mutual Bank’s Essential Worker Home Loan has been announced as winner of the 2024 Finder Innovation Award in the Social Impact Innovation category.

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  • Our Momentum Home Loan named Best of the Best 2022

    Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2022.

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  • G&C Mutual Bank win 2023 Mozo Experts Choice Awards

    G&C Mutual Bank has been recognised for excellent value home loans in the 2023 Mozo Experts Choice Awards.

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  • G&C Mutual Bank Wins 3 Canstar Awards

    We're excited to announce G&C Mutual Bank has received three Canstar Outstanding Value Home Loan Awards.

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  • First Home Owner Grant

    The First Home Owner Grant (FHOG) is a government initiative which offers financial assistance to eligible first home buyers. Enquire about the Grant today.

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  • Announcement of Special Financial Support Measures

    On behalf of the G&C Mutual Bank Board and all G&C staff, I would like to extend our warmest thoughts and support to all members as you and your families grapple with the direct and indirect consequences of the COVID-19 virus.

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  • Our Momentum Home Loan named Best of the Best 2021

    Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2021.

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  • Refinance with an award-winning home loan

    G&C Mutual Bank has been announced as the winner of Canstar’s Customer Owned Bank of the Year - Home Loan Refinance Award.

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  • A step-by-step guide to buying an investment property

    Investing in property can involve a number of steps. This brief guide runs through everything you might need to know.

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  • Buy my first home

    If you are looking to buy your first home, G&C Mutual Bank is here to support you on your home ownership journey.

    Read More
  • InfoChoice 2020 Home Loan Lender of the Year

    We’re delighted to announce that G&C Mutual Bank has been awarded InfoChoice Home Loan Lender of the Year in the Customer Owned Category. In addition to this award, G&C Mutual Bank has also been recognised for four other InfoChoice awards with three products.

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  • Winner of the 2024 Finder Home Loan Award for Best Investor IO Variable Home Loan

    G&C Mutual Bank’s Momentum Home Loan - LVR 60 to 80% Special Offer (Investor, IO) won the 2024 Finder Award for Best Investor IO Variable Home Loan.

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  • Advantage Home Loan - Owner Occupied

    Purchase your next home with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

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  • Advantage Home Loan - Property Investor

    Purchase your next investment with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

    Read More
  • Understanding offset and redraw features

    Offset and a redraw features can help you save on interest and pay off your home loans faster.

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  • Fixed Rate Home Loan – Property Investor

    The security of a fixed rate, providing property investors with the certainty of knowing your home loan repayments won't change during the fixed rate period.

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  • Home Loans

    G&C Mutual Bank has a range of home loans to choose from and we’re ready to support you on your home ownership journey.

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  • The importance of insurance for your assets

    We understand that for most of our members, the purchase of property and other assets are significant financial investments, so it is important to safeguard those assets. Having insurance in place for these assets can provide peace of mind...

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  • HomeBuilder update

    The Federal Government’s HomeBuilder initiative has been extended until 31 March 2021, but the amount of the grant will be reduced.

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  • Essential Worker Home Loan

    Discover our Essential Worker Home Loan. A low variable rate home loan with an offset account, designed to support essential workers to own their own home.

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  • More RateCity Gold Award success

    G&C Mutual Bank is delighted to have received two Gold Awards as part of the inaugural RateCity Personal Loan and Car Loan Awards.

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  • G&C Interest Rate Changes - March 2020

    G&C has undertaken a comprehensive review of the rates charged on our variable rate home loans and our savings/deposit products. With home loan rates already at historic lows, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

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  • G&C Mutual Bank Interest Rate Changes October 2019

    Interest Rate Changes October 2019 | G&C Mutual Bank

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  • Fixed Rate Home Loan – Owner Occupied

    The security of a fixed rate, providing owner occupiers with the certainty of knowing your home loan repayments won't change during the fixed rate period.

    Read More
  • G&C Interest Rate Changes - 15 July 2019

    G&C has undertaken a comprehensive review of interest rates charged on our home loans and savings/deposit products.

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  • G&C Interest Rate Changes

    G&C has undertaken a comprehensive review of rates charged on our variable rate loan and savings/deposit products. With the RBA Cash Rate and overall market rates now falling to a further historic low, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

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  • Buying vs. renting

    Deciding whether to buy a property or continue renting is rarely a simple choice. Housing affordability, your lifestyle and investment goals are all factors to consider when weighing up the advantages and disadvantages of buying or renting.

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  • Financial Claims Scheme

    The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society or credit union fails.

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  • How a reverse mortgage could help you

    Your home is likely to be your greatest asset, and if you are ‘asset rich’ but ‘cash poor’ you can borrow money using the equity in your home as security. This is called a reverse mortgage and it can be a great way to boost your finances for retirement, depending on your circumstances.

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  • Get Ahead Start Guarantor Option

    Get Ahead Start with our Guarantor Option, allowing a family member to offer suitable security as part of the home loan to help you purchase your first home.

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  • Refinance my loan

    If you are looking to refinance your home loan, G&C Mutual Bank is here to support you with a Home Loan Health Check.

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  • Get a personal loan

    If you are looking for a personal loan, to buy a car, go on a holiday or consolidate your debts, G&C Mutual Bank is here to help.

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  • Essential Worker Home Loan wins Mozo Experts Choice Awards 2025

    G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, securing a total of four Mozo Experts Choice Awards for 2025. The bank’s Essential Workers Home Loan has been awarded in 3 categories.

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  • Home Loan Key Fact Sheet

    Our Home Loan Key Fact Sheet helps members understand important information about home loans. Our friendly team is always happy to help.

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  • Our Personal Loan receives a RateCity Gold Award 2022

    Our Fair Rate Personal Loan has made its mark, being recognised with a Gold Award 2022 from RateCity within the Excellent Credit Personal Loan category.

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  • Retirees Access Home Loan

    Unlock the equity in your home with our Retirees Access Home Loan, specifically designed to assist those who have reached, or are nearing, retirement age.

    Read More
  • Bridging Loan – Owner Occupied

    Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

    Read More
  • Home Buyer Guides

    Our Home Buyer Guides helps members understand important information about buying their home. Our friendly team is always happy to help.

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  • Thinking about refinancing?

    If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed, so refinancing can be worth considering.

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  • Our Personal Loan recognised with industry awards

    G&C Mutual Bank's Fair Rate Personal Loan has again been recognised by Mozo Experts Choice and Canstar for its great value. We are delighted to receive this recognition from industry experts within such a competitive market.

    Read More
  • Personal loan glossary

    Our glossary helps you understand financial jargon relating to personal loans, so that you can navigate though the process. We're here to help

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  • G&C Interest Rate Changes – June 2023

    Following the RBA’s announcement on 6 June to increase Australia's cash rate, we have made the decision to raise variable home loan and savings interest rates by up to 0.25%p.a.

    Read More
  • Our awards

    G&C Mutual Bank products continue to be independently recognised for their great value, flexibility and innovative features.

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  • Canstar’s 2022 Home Loan Refinance Awards

    We're excited to announce G&C Mutual Bank has received Canstar's 2022 Customer-Owned Bank of the Year – Home Loan Refinance Award.

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  • Mozo Experts Choice Award Wins 2022

    G&C Mutual Bank have been recognised by Mozo Experts Choice for the Used Car Loan awards on our Fixed Rate Car Loan, and for Excellent Credit Secured Personal Loan awards on our Fair Rate Personal Loan.

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  • Momentum Home Loan - Owner Occupied

    You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

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  • How to consolidate your debt

    Debt consolidation can help you take control of your debts by combining them into one loan with one regular repayment.

    Read More
  • Momentum Home Loan - Property Investor

    You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

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  • G&C Interest Rate Changes – May 2022

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  • Bridging Loan – Property Investor

    Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

    Read More
  • Fixed Rate Car Loan

    Found your dream car? G&C Mutual Bank can help you drive away with your dream car loan with our Fixed Rate Car Loan.

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  • Mobile Lenders

    Our mobile lenders will come to you – book a home or workplace visit now.

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  • Term Deposit FAQs

    Read our Frequently Asked Questions.

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  • Thinking about renovating?

    You may love watching television renovation shows, but in reality renos are hard work, expensive and not always appropriate. Here are eight tips to help you make smart renovation decisions.

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  • Essential Worker Home Loan Member Survey

    Our members have a say in our future. We welcome your feedback, ideas and suggestions.

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  • Build or renovate

    If you are looking to build or renovate, G&C Mutual Bank is here to support you with our range of home loan offerings.

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  • Five common reverse mortgage myths

    Our Retirees Access Home Loan is a variable rate reverse mortgage. To help you better understand this product, we're debunking five of the most common reverse mortgage myths.

    Read More
  • Term Deposit Calculator

    Use G&C Mutual Bank's Term Deposit Calculator to calculate interest earned over a period of time and see what you can save.

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  • G&C Interest Rate Changes – May 2023

    Following the Reserve Bank of Australia’s announcement on 2 May to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise variable home loan interest rates by up to 0.25%p.a.

    Read More
  • G&C Interest Rate Changes – November 2023

    Following the RBA’s announcement on 7 November to increase Australia's cash rate, we have made the decision to raise variable home loan interest rates.

    Read More
  • Finder Award Methodology

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  • G&C Mutual Bank recognised in Canstar's Outstanding Value Home Lender 2025 Awards

    G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, in Canstar's Outstanding Value Home Lender Awards.

    Read More
  • Get started on your bucket list locally

    As a result of COVID-19 restrictions, we are spending more time at home, with overseas and interstate travel likely to be impacted for the foreseeable future. The pandemic has also been a time to take stock and reflect on what is important. Given this, now might be the perfect time to tackle the things you’ve been thinking about doing, and spending locally. Your local bucket list has never been more important for helping small businesses and communities recover from months of lost income.

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  • Loans

    G&C Mutual Bank has a range of loans to help you buy a home, achieve your goals or cover unexpected expenses.

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  • Reverse Mortgage

    Unlock the equity in your home with our Reverse Mortgage option, specifically designed to assist those who have reached or are nearing retirement.

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  • Anzac Day Biscuits

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  • More awards for G&C Mutual Bank's outstanding products

    More awards for G&C Mutual Bank's outstanding products

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  • Momentum Refinance OO Google

    Make your move with our Momentum Home Loan refinance special.

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  • Buy my next home

    If you are looking to buy your next home, G&C Mutual Bank is here to support you on your home ownership journey.

    Read More
  • Momentum Refinance OO RateCity Campaign

    Make your move with our Momentum Home Loan refinance special.

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  • Momentum Refinance OO Google Campaign

    Make your move with our Momentum Home Loan refinance special.

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  • Momentum Refinance OO Finder

    Make your move and refinance now with our Momentum Home Loan refinance special.

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  • Achieve your savings goals with these quick tips

    Learn about our award winning Term Deposits and Savings Accounts and achieve your savings goals with our useful savings tips.

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  • Business Vehicle Loan

    Business Car Loan specifically designed to help business owners save time and manage cashflow on the purchase of a new or used vehicle.

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  • Refinancing FAQ

    Considering refinancing your home loan? Perhaps your circumstances have changed or you’re just looking for a better deal? Read our Frequently Asked Questions.

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  • A win in RateCity's 2023 Gold Awards

    G&C Mutual Bank's Fair Rate Personal Loan has won RateCity's 2023 Gold Award for Best Excellent Credit Personal Loan.

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  • Tidy up your finances

    When we think of tidying up, we would usually think of cleaning up our home or office, but tidying up our finances regularly is also an important task.

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  • Invest in property

    If you are looking to invest in property, G&C Mutual Bank is here to support you with our range of home loan offerings.

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  • Property Investment FAQ

    Investing in property could be a great way to build your wealth for your financial future. We’re ready to help. Read our Frequently Asked Questions.

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  • Term Deposits

    Secure your savings goals with a term deposit. Enjoy fixed return and interest rate with terms ranging from 30 days to 5 years with as little as $1000.

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  • Refinance - Owner Occupied

    If you are looking to refinance your owner occupied home loan, G&C Mutual Bank is here to support you, offering a range of home loans.

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  • Refinance - Property Investor

    If you are looking to refinance your property investment loan, G&C Mutual Bank is here to support you, offering a range of home loans.

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  • Save for a goal

    Knowing what your savings goals are and developing a savings plan can help you achieve them sooner.

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  • Forms

    Apply, contact or enquire online at a time and place that suits you using G&C Mutual Bank’s online forms. We’re ready to help you.

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  • Fixed Business Loan Secured

    G&C Mutual's Fixed Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

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  • A double win in the 2023 Mozo Experts Choice Awards

    G&C Mutual Bank’s double win for term deposits in the 2023 Mozo Experts Choice Awards

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  • Mozo recognises our term deposits for a second year

    G&C Mutual Bank’s double win for term deposits in the 2024 Mozo Experts Choice Awards

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  • Cost considerations when buying a car

    You’ve got your eye on a car and you’re ready to purchase it for that fantastic driveaway price. It’s important to understand the costs before you drive off into the sunset.

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  • Apply Online

    You can apply online for a number of G&C Mutual Bank products and services at a time and place that suits you.

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  • Variable Business Loan Secured

    G&C Mutual's Variable Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

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  • Need a holiday?

    It has probably been a few years since some of us have had the opportunity to be able to truly get away for a holiday, due to the pandemic, border closures, and lockdowns. Whether you are considering a holiday locally, interstate, or overseas, we could help make your holiday dream a reality.

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  • Fair Rate Personal Loan

    G&C Mutual Bank's Fair Rate Personal Loan can help to fund holidays and travel, buying a car or debt consolidation.

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  • Guarantees and guarantors FAQ

    Deciding to be a guarantor on a home loan can be daunting, but we’re here to help you. Read our Frequently Asked Questions to learn more.

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  • Could debt consolidation help you?

    No-one wants to start the new year with a Christmas debt hangover. You may have resolved to get your debt under control, and debt consolidation could be a smart way to achieve this.

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  • Publications

    Keep across the latest news and information from G&C Mutual Bank.

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  • Loan Comparison Calculator

    Compare loans with our Loan Comparison Calculator to see what loan suits your financial needs.

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  • G&C Interest Rate Changes – February 2025

    G&C have made the decision to decrease interest rates for variable rate home loans and savings accounts.

    Read More
  • Calculators

    Use our wide range of calculator tools to estimate how much you can borrow, plan ahead with loan repayments or develop a savings plan.

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  • Start planning your escape

    With international travel restrictions likely to be in place for some time, you may be dreaming of a local escape as soon as it's safe to travel. If you're planning to load up the camper van, here are five iconic Australian road trips to inspire you.

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  • Budgeting for beginners

    Budgeting is a key component to your financial health. Make the most of your money with G&C Mutual Bank.

    Read More
  • Loan Repayment Calculator

    Use G&C Mutual Bank's Loan Repayment Calculator to calculate how much your loan repayments will be.

    Read More
  • Car loan FAQ

    A car loan could help you drive away your dream car sooner. Read our Frequently Asked Questions.

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  • Mortgage Offset Account

    Enjoy the flexibility of an offset account like an everyday transaction account, where the balance offsets what is owed on your eligible home loan.

    Read More
  • Split Loan Simulator

    Use G&C Mutual Bank's Split Loan Simulator to calculate your repayments.

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  • Car Loan

    Use G&C Mutual Bank's Car Loan Calculator to estimate your monthly car loan repayments so you can drive away in your dream car sooner.

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  • Personal loan FAQ

    A personal loan could help you buy a car, go on holiday or consolidate your debts. Read our Frequently Asked Questions.

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  • Mortgage Offset FAQ

    Learn more about about making real time payments easily using PayID with our Frequently Asked Questions.

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  • Interest Rate Change – May 2025

    On Tuesday 20 May 2025, the Reserve Bank of Australia (RBA) announced a decrease of 0.25%p.a. to the official cash rate. Following this, we have reviewed the interest rates applicable to our variable rate home loans and advise that the rates for existing mortgage holders will decrease by 0.25%p.a., effective from 1 June 2025.

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  • Debt consolidation FAQ

    Take control of your debts by consolidating them into one loan with one regular repayment. Read our Frequently Asked Questions.

    Read More
  • Canstar Customer Owned Bank of the Year – Term Deposits 2023 winner

    G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

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  • Canstar's Customer Owned Bank of the Year – Term Deposits 2024

    G&C Mutual Bank named Canstar's Customer Owned bank of the Year - Term Deposits, for 2024.

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  • Canstar Customer Owned Bank of the Year – Term Deposits 2025 winner

    G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

    Read More
  • Retirees FAQ

    A reverse mortgage allows you to borrow money using the equity in your home as security. Read our Frequently Asked Questions.

    Read More
  • Business Equipment Loan

    Our Business Equipment Loan is specifically designed to assist business owners finance equipment without tying up valuable capital.

    Read More
  • Ten tips for Christmas on a budget

    It’s the most wonderful time of the year according to Andy Williams. However, this year may be a bit different, with many Australians planning a simpler Christmas. Here are some easy ways to have a wonderful Christmas on a budget (without being a scrooge).

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  • Business Banking

    Business Banking services are designed to put you in control of your business transactions and payroll processing online.

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  • Business Overdraft

    Our Business Overdraft is a flexible way to access funds quickly and easily to manage your everyday business expenses. Enquire today.

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  • Buy a car

    If you are looking to buy a car, G&C Mutual Bank is here to support you, so you can hit the open road.

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  • 65 years of banking on your community

    As G&C Mutual Bank marks its 65th anniversary in 2024, it’s an opportunity to reflect on a remarkable journey of growth, resilience, and unwavering commitment to members.

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  • Footer Content

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  • XERO Accounting Package

    Xero provides accounting solutions for our members directly or through their nominated accounting firms on behalf of members. Enquire today.

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  • Banking Guides

    Banking guides and step by step demonstrations to help you register for, and best utilise, our banking services. We’re ready to help.

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  • Bank@Post

    G&C Mutual Bank members can use the Bank@Post service to make a deposit or withdraw cash from an Australia Post Office near you. Charges apply.

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  • EOFY deals on wheels

    It’s that time of year when many car dealers are busy promoting EOFY deals and, with a soft start to sales this year, you could potentially find a great bargain. Here are six tips to help you make the most of these deals on wheels.

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  • Deceased Estate FAQ

    Our deceased Estate Frequently Asked Questions regarding how we can assist you through the process of managing your loved one’s banking affairs.

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  • Personal Loan

    Use G&C Mutual Bank's Personal Loan Calculator to estimate how much you can borrow and what your loan repayments will be.

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  • 8 ways G&C could help with your banking needs

    Our commitment to you has always been a priority. Here are some ways we could help with your banking needs.

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  • Banking on Values Day 2024

    This Banking on Values Day 2024, we explore how G&C Mutual Bank is Transforming Banking, Transforming Lives.

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  • Fair Rate Personal Loan Offer Canstar

    Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  • NSW Ambulance Employees of the Month Jan - June 2023

    NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for the first half of 2023.

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  • G&C Interest Rate Changes – June 2022

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  • G&C Interest Rate Changes – August 2022

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  • G&C Interest Rate Changes – November 2022

    Following this decision to increase Australia's cash rate we have made the decision to raise interest rates for both borrowers and depositors.

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  • G&C Interest Rate Changes – February 2023

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate on 7 February 2023, we have made the decision to raise interest rates for borrowers and depositors.

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  • G&C Interest Rate Changes – March 2023

    Following the Reserve Bank of Australia’s recent announcement to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise interest rates by up to 0.25%p.a. for both borrowers and depositors.

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  • How to get the most out of your finances with G&C during these uncertain times

    As we all try to navigate our way through uncertain times, we’ve put together a few tips and some information on our various products and services that may help you make the most of your finances during these uncertain times and provide some comfort and relief.

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  • Mutual Value Measurement Accreditation

    G&C Mutual Bank is pleased to be the first financial institution globally to be accredited under the Mutual Value Measurement Framework.

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  • Online Banking

    G&C Mutual Bank offers convenient, secure and simple banking online so members can access their money at a time, and in a way that suits them.

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  • Retire

    G&C Mutual Banks Reverse Mortgage is designed for those who have reached, or are nearing, retirement age and looking to unlock the equity in their own home.

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  • Public APIs

    Use our Public APIs to access non-member specific information such as available products including deposit and transaction accounts and credit cards.

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  • G&C's approach to coronavirus (COVID-19)

    The novel coronavirus (COVID-19) outbreak is evolving in Australia and the spread of the virus will no doubt continue to impact both the community and economy. Our philosophy is to focus on the health and wellbeing of our people, our members and our communities as our first priority, and to take an informed approach that is sensible, balanced and respectful of all.

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  • G&C Interest Rate Changes – September 2022

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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  • Fair Rate Personal Loan Canstar

    Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  • MoneyMax

    Achieve your savings goal faster with our MoneyMax online savings account, offering higher returns than a standard savings or transaction account.

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  • Open a savings account

    G&C Mutual Bank has a range of savings accounts and term deposits to help you spend or save, the way you want.

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  • Is debt consolidation an option?

    The end of the year can always feel overwhelming, particularly from a financial perspective. The commencement of a new year will hopefully bring you feelings of a ‘fresh start’ and your approach may begin with reviewing financial expenses. If you are wanting to get your debt under control, debt consolidation may be a way to achieve this.

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  • Fair Rate Personal Loan RateCity

    Our award-winning Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  • Membership and account closure FAQ

    When you need to close one of your your accounts, we’re here to help you. Read our Frequently Asked Questions.

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  • Bank Guarantee

    Keep your cash to run and grow your business with our Bank Guarantee, to ensure payments to your suppliers are met without tying up working capital.

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  • G&C Interest Rate Changes – July 2022

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  • Digital Cards

    Manage your G&C Mutual Bank digital card from within our Mobile App. Add it to your Digital Wallet to pay in store.

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  • Launch of recycled PVC debit and credit cards

    G&C Mutual Bank launches recycled PVC debit and credit cards as part of our commitment to a more sustainable future for our members and their communities.

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  • International Credit Union Day

    International Credit Union Day, Thursday 17 October, celebrates the spirit of the global credit union movement.

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  • Your Bank Your News - April 2020

    The latest edition of our newsletter Your Bank Your News is now available. This issue features insightful articles including our CEO Update, Special financial support measures, How to manage your banking from home, and more.

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  • Investing in your relationship

    We invest so much time and emotion in our romantic relationships that financial matters can be neglected. If you're planning a future together, it's important to understand each other’s attitudes to money sooner rather than later.

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  • Understanding financial literacy: A foundation for your future

    Financial literacy is important to help people manage their money wisely and avoid the stresses of financial insecurity. 

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  • National NAIDOC Week 2025

    National NAIDOC Week 2025: Celebrating culture, history, and achievement

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  • Savings & Investments

    We have a range of savings accounts and term deposits to help you spend or save, the way you want.

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  • Extra Repayment Calculator

    Use G&C Mutual Bank's Extra Repayment Calculator to estimate how much your loan repayments will differ if you make extra loan repayments.

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  • Lump Sum Repayment Calculator

    Use G&C Mutual Bank's Lump Sum Repayment Calculator to understand how your loan repayments will differ if you make lump sum loan repayments.

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  • Cooperatives build a better future for all

    On the International Day of Cooperatives, we reflect on the contributions from cooperatives in building a sustainable future.

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  • Taxing times: what’s the shortcut method?

    Did you know that the Australian Taxation Office (ATO) have introduced a temporary shortcut method, which may help you calculate your deductible work-related expenses with minimal record keeping requirements?

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  • Your Bank Your News - Winter 2020

    The latest edition of Your Bank Your News is now available.

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  • Relief for members impacted by NSW Mid North Coast flooding

    As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us most and we stand ready to help members directly impacted by this weather event with a number of support measures. Find out more.

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  • National Reconciliation Week: Bridging Now to Next

    National Reconciliation Week (NRW), held annually from 27 May to 3 June, is a significant time for all Australians to reflect, learn, and engage in the journey toward reconciliation.

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  • G&C Interest Rate Changes – October 2022

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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  • Service Centres

    Visit your local G&C Mutual Bank Service Centre, with locations across New South Wales and in Melbourne.

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  • Board of Directors

    Our Board of Directors is responsible for the overall governance, management and strategic direction of G&C Mutual Bank.

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  • Break Cost Fee

    Learn more about how a Break Cost Fee (BCF) may be payable if you make repayments additional to your scheduled repayments.

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  • How to spring clean your finances

    How to spring clean your finances in six easy steps

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  • International Nurses Day

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  • Banking on Values Day 2023

    We are proudly an Associate Member of the GABV and celebrate Banking on Values Day 2023. Learn about values-based banking and how we 'Think Bolder'.

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  • Computer takeover scams on the rise

    At G&C Mutual Bank, we regularly share updates from the Australian Competition and Consumer Commission (ACCC) to help you recognise common scam threats and stay safe online.

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  • Online Banking FAQ

    Banking Online is convenient, secure and simple. Read our Frequently Asked Questions.

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  • Relief for members impacted by Tropical Cyclone Alfred

    As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us the most and we stand ready to help members directly impacted by Tropical Cyclone Alfred with a number of special support measures.

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  • Transaction disputes FAQ

    When you need to dispute a transaction, we're ready to help you. Read our Frequently Asked Questions to learn more.

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  • Financial hardship FAQ

    We understand that at times you can find yourself in a vulnerable financial position and we're ready to help you. Read our Frequently Asked Questions.

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  • Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

    Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

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  • Samsung Pay FAQ

    Samsung Pay is an easy and secure way to manage contactless payments in store and online from your compatible Samsung products.

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  • Personal & Car Loans

    G&C Mutual Bank has a range of personal loans to help you achieve your goals or cover unexpected expenses.

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  • Lismore Service Centre re-opening

    As a proud community-based organisation, we remain committed to our members, staff and the Lismore community. As such, we are pleased to have recently re-opened our new Lismore Service Centre following last year's devastating flood.

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  • Celebrating International Credit Union Day

    Established in 1959 as the Public Works Department Staff Co-operative, G&C Mutual Bank is proud to be part of a global movement that puts people first.

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  • Complaints

    You are invited to raise any concern or complaint you may have with G&C Mutual Bank. We will endeavour to understand your concerns and reach a resolution in a fair, prompt and efficient manner.

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  • Bonus Saver

    G&C Mutual Bank's Bonus Saver can help you save for something special by keeping your savings separated, earning ongoing bonus interest monthly.

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  • Mobile App FAQ

    Our Mobile App is an easy and secure way to manage your finances on the go. Read our Frequently Asked Questions.

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  • Preparing for a holiday?

    Whether you are considering a holiday locally, interstate, or overseas, we have a range of products to help make your holiday dream a reality.

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  • Celebrating Harmony Week: Everyone belongs

    At G&C Mutual Bank, we proudly support diversity and inclusion. We’re celebrating Harmony Week with our team, which includes individuals from over 20 cultural backgrounds.

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  • Supporting 150 years of mutual banking

    G&C Mutual Bank has strongly endorsed a new campaign which proudly celebrates the ingenuity and ‘can do’ spirit of Australia. Launched by the Customer Owned Banking Association, the campaign focuses on the relationship between hard-working Australians and customer owned banking.

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  • Hunter Valley Region Service Centre

    G&C Mutual Bank members in Hunter Valley Region can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Our staff share their cost saving tips

    Our staff members are passionate about helping others. We wanted to share with you some of the different cost saving tips some of our staff are doing to help with their every day costs, or reducing their living expenses.

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  • Inactive accounts FAQ

    These inactive account Frequently Asked Questions are here to help you to reactivate your account before it is deemed inactive or dormant.

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  • Adelaide Service Centre

    G&C Mutual Bank has a Service Centre located in Adelaide for your convenience. Visit the team, or our mobile lender can come to you.

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  • Bankstown - Kitchener Parade Service Centre

    G&C Mutual Bank has a Service Centre located in Bankstown for your convenience. Visit the team, or our mobile lender can come to you.

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  • Bathurst Service Centre (Unity)

    G&C Mutual Bank has a Service Centre located in Bathurst for your convenience. Visit the team, or our mobile lender can come to you.

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  • Blayney Service Centre

    G&C Mutual Bank has a Service Centre located in Blayney for your convenience. Visit the team, or our mobile lender can come to you.

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  • Collie Service Centre

    G&C Mutual Bank members in Collie can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Gulargambone Service Centre

    G&C Mutual Bank members in Gulargambone can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Kandos Service Centre

    G&C Mutual Bank members in Kandos can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Melbourne Service Centre (Unity)

    G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Melbourne ETU Service Centre

    G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Oberon Service Centre

    G&C Mutual Bank members in Oberon can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Port Kembla Service Centre

    G&C Mutual Bank members in Port Kembla can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Trundle Service Centre

    G&C Mutual Bank members in Trundle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Wyong Service Centre

    G&C Mutual Bank members in Wyong can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Celebrating International Women's Day 2021

    In honour of International Women’s Day, we are celebrating the achievements of our fabulous female executives. We invited Rosanna, Elsbeth, Leigh and Vanessa to share some insights into their career journeys and thoughts on equality in the workplace.

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  • Resume Application

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  • Direct debits and recurring payments FAQ

    When you need help with direct debits and recurring payments, we’re ready to help you. Read our Frequently Asked Questions to learn more.

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  • Accessible and inclusive banking

    G&C Mutual Bank is constantly working towards ensuring our products, services and platforms are available and accessible for everyone.

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  • Brisbane Service Centre

    G&C Mutual Bank has a Service Centre located in Brisbane for your convenience. Visit the team, or our mobile lender can come to you.

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  • Moranbah Service Centre

    G&C Mutual Bank members in Moranbah can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Sydney Service Centre (Unity)

    G&C Mutual Bank members in Sydney can transact in person using the services of Unity Bank. Visit the team, or our mobile lender can come to you.

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  • Fremantle Service Centre

    G&C Mutual Bank members in Fremantle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Newcastle Service Centre (Unity)

    G&C Mutual Bank members in Newcastle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Christmas Saver Account

    Our Christmas Saver Account helps you put money aside for the busy Christmas period to reduce financial stress.

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  • Supporting the Uluru Statement from the Heart

    G&C Mutual Bank strongly supports the Uluru Statement from the Heart.

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  • Samsung Pay

    Add your eligible G&C Mutual Bank card to Samsung Pay. Make secure, contactless payments in-store by tapping your supported Samsung device.

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  • Our Term Deposits are an award winner

    We are delighted to be recognised and acknowledged as the Customer-Owned Bank of the Year Term Deposits award winner for 2022 by Canstar.

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  • Discontinuing Cheques

    Resources and support for discontinuation of cheques from 01 Feb 2024

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  • SMSF Account FAQ

    Learn more about G&C Mutual Bank's Self Managed Super Fund with our Frequently Asked Questions.

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  • Celebrating Money magazine's Cheapest Standard Credit Card - Bank Product 2020 Award

    G&C Mutual Bank is delighted to have been judged Money magazine’s Cheapest Standard Credit Card - Bank Product 2020 for our Low Rate Visa Credit Card. This is the fourth consecutive year that our Low Rate Visa Credit Card has been chosen for this prestigious award.

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  • Sydney Service Centre

    G&C Mutual Bank has a Service Centre located in Sydney City for your convenience. Visit the team, or our mobile lender can come to you.

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  • Bathurst Service Centre

    G&C Mutual Bank members in Bathurst can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  • Wagga Wagga Service Centre

    G&C Mutual Bank has a Service Centre located in Wagga Wagga for your convenience. Visit the team, or our mobile lender can come to you.

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  • Rates & Fees

    Important information regarding G&C Mutual Bank's interest rates, fees and charges, and terms and conditions.

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  • Newcastle Service Centre

    G&C Mutual Bank has a Service Centre located in Newcastle for your convenience. Visit the team, or our mobile lender can come to you.

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  • G&C Interest Rate Changes – January 2023

    G&C Mutual Bank has raised interest rates for depositors on our Term Deposits and a number of Savings Accounts from 16 January 2023.

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  • Executive Team

    Our Executive Team works with the Board of Directors and is responsible for implementing plans to achieve G&C Mutual Bank's strategic objectives.

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  • Take off on a holiday

    If you are looking to go on a holiday, G&C Mutual Bank is here to help with personal loans, foreign currency and travel insurance.

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  • Visa payWave FAQ

    Visa payWave is a fast and convenient way to pay using secure, contactless chip technology. Read our Frequently Asked Questions.

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  • Are your financial new year resolutions still on track?

    It's been a few weeks since we said goodbye to 2021 and hello to 2022. Here are some helpful banking tools and services that might help to keep your financial new year resolutions on track.

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  • Two ways to boost your savings as you enter retirement

    As you near or enter retirement, having a reliable income would be a priority for most of us. It makes planning how you are going to enjoy retirement a whole lot easier. At G&C Mutual Bank we have account options to suit different savings goals as well as your everyday spending.

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  • Banking Help

    Learn more through G&C Mutual Bank's range of Banking Guides, FAQ's and other information on how to register for, and best utilise our banking services.

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  • Happy International Women's Day

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  • Closure of Lismore Service Centre due to the current floods

    We will be closing our Lismore Service Centre until further notice due to the current floods.

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  • Don't be a money mule

    The Australian Federal Police today launched the Don’t be a Mule campaign. This awareness campaign is particularly relevant this time of year when the opportunity to earn some extra cash can be tempting.

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  • NSW Ambulance Employee of the Month for February 2021

    As the sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce February's recipient: Tegan Groom. Congratulations Tegan!

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  • COVID-19 update

    At G&C Mutual Bank, we understand that the COVID-19 situation is especially difficult for those impacted by lockdowns, and we aim to minimise disruption to your banking needs.

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  • Mobile App

    G&C Mutual Bank offers convenient, secure and simple Mobile App so members can access their money at a time, and in a way that suits them.

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  • Deactivation of Quay Mutual Bank BSB

    Read our Frequently Asked Questions to learn more about the Deactivation of Quay Mutual Bank's BSB

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  • CPSU Victoria's inaugural Women of Colour Conference

    G&C Mutual Bank was delighted to sponsor the Community and Public Sector Union (CPSU) Victoria’s inaugural Women of Colour Conference, which was held at Melbourne’s Immigration Museum on 28th October 2019.

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  • Investment Scams

    We are constantly working to keep our members safe with our information and tips to help identify common investment scams and keep you and your money safe.

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  • Important information regarding the Unity Bank merger

    Preparations are well underway for the merger with Unity Bank and we are committed to supporting members through this transition.

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  • International Credit Union Day 2022

    G&C Mutual bank is proud to celebrate the 74th anniversary of International Credit Union Day. This year, we gather as a global movement under the theme “Empower Your Financial Future with a Credit Union”.

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  • Google Pay

    Add your eligible G&C Mutual Bank card to Google Pay. It's a fast, secure and easy way to make payments in-store and online.

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  • Advance Notice of 2021 Annual General Meeting

    The 2021 Annual General Meeting of G&C Mutual Bank will be held on Wednesday 17 November 2021.

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  • Advance Notice of 2022 Annual General Meeting

    The 2022 Annual General Meeting of G&C Mutual Bank will be held in November 2022.

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  • About Us

    G&C Mutual Bank is a different kind of bank, built around a big idea - It’s your bank, because you own it. We are member owned.

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  • Temporary closure of Sydney and Parramatta Service Centres

    Our Sydney and Parramatta Service Centres are temporarily closed until further notice in line with the NSW Government COVID-19 Public Health Order and lockdown extension.

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  • InfoChoice's Credit Card Provider of the Year

    G&C Mutual Bank is delighted to have taken the top spot as InfoChoice’s 2021 Credit Card Provider of the Year in the Customer Owned category.

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  • Financial Hardship

    We understand that unexpected life events can result in financial stress. Please contact us to discuss the options available.

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  • eStatements FAQ

    Keep across your account activity and register for free and convenient eStatements. Read our Frequently Asked Questions.

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  • NSW Ambulance Employee of the Month Award for August

    Each NSW Ambulance Employee of the Month Award recognises a staff member who has demonstrated outstanding performance or innovation. As the sponsor of these awards, G&C Mutual Bank is delighted to announce that the recipient for August is David Stubbs.

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  • Share A Story. Stop A Scam

    Together, we can prevent scammers from stealing your information.

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  • Advance Notice of 2023 Annual General Meeting

    The 2023 Annual General Meeting of G&C Mutual Bank will be held in November 2023.

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  • Cyber Security Awareness Month: Personal Cyber Security Guides

    G&C Mutual Bank supports Cyber Security Awareness Month, for which the ACSC has launched a range of Personal Cyber Security Guides to help Australians boost their cyber defences.

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  • Online Banking security reminder

    With a number of recent cyber-attacks in Australia and the increasing prevalence of scams, we wanted to take this opportunity to again remind members to be vigilant when banking online.

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  • Barnardos Auburn Centre NAIDOC 2023 celebration

    Our team recently volunteered at the Barnardos Auburn Centre for their 2023 NAIDOC week celebration

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  • Stronger together, to benefit members

    Today marks an important milestone as the merger-of-equals between G&C Mutual Bank and Unity Bank takes effect.

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  • Updated Terms and Conditions – July 2025

    Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 1 July 2025. For your convenience, we have summarised the most notable changes.

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  • Changes to our incorporated name

    From the 1 July 2025 our incorporated name will be Unity Bank Limited. The incorporated name is the name registered with Australian Securities & Investments Commission (ASIC) as the legal company name. As a member you will continue to see the Unity Bank, G&C Mutual Bank and Reliance Bank brands.

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  • Unity Bank Merger Frequently Asked Questions

    Answering members frequently asked question regarding the upcoming merger with Unity Bank on March 7th, 2025.

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  • Scam Security

    We are committed to supporting members with information and tips to help identify common scams and keep you and your money safe.

    Read More
  • Google Pay FAQ

    Google Pay is an easy and secure way to manage contactless payments in store and online from your compatible Google products.

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  • Government impersonation scams on the rise

    Australians are being urged to watch out for government impersonation scams, which are on the rise during tax time. More than 7100 reports have been made to Scamwatch, with over $1.26 million lost so far this year although losses are likely to be far greater.

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  • Discontinuation of Phone Banking services

    Resources and support for the discontinuation of Phone Banking services.

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  • Identity Fraud

    G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot identity fraud and how to get help.

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  • Real time payments

    G&C Mutual Bank members can make real time payments using the New Payments Platform including PayID and Osko by BPAY

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  • Volunteering with Marine Rescue NSW

    At G&C Mutual Bank, we’re passionate about helping people and our community. Chris, our Newcastle-based Collections Officer, volunteers with Marine Rescue NSW. We asked Chris to tell us more...

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  • Lismore staff have helped members affected by the floods

    Our Member Relationship Officers located in Lismore have been talking directly with members impacted by the floods. They explain how much it has affected them.

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  • Win Big with Your Visa Card – 50 Mega Cash Prizes Up for Grabs!

    We have exciting news for you! Get ready to win one of 50 mega cash prizes in our exclusive prize draw.

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  • Volunteering at the Peter Pan Op Shop with Barnardos

    Community is at the heart of G&C Mutual Bank, so when the Australian Mutuals Foundation contacted us to ask for help at the Barnardos Peter Pan Op Shop, our staff responded.

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  • Celebrating the 75th International Credit Union Day

    International Credit Union Day celebrates the spirit of the global credit union movement. The day is recognised to reflect upon the credit union movement's history, promote its achievements, recognise hard work, and share member experiences.

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  • Protect yourself against remote access scams

    Remote access scams try to convince you of a computer or internet problem requiring you to download software or provide access to fix the problem, giving scammers direct access to everything on your computer.

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  • Rental scams

    According to Scamwatch, Australians have lost over $300,000 to rental and accommodation scams this year. Many scammers are using tactics related to the COVID-19 pandemic. These scams target people seeking new rental accommodation by offering fake rental properties to convince people to hand over money or personal information.

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  • Updated terms and conditions - June 2024

    Members are advised of updates to our terms and conditions, effective 11 June 2024.

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  • Helping at Barnardos Australia's Working Bee

    G&C Mutual Bank’s staff members, Catrina and Janine, joined volunteers from other Australian Mutuals to help prepare a property to be used as much needed accommodation for disadvantaged families.

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  • 2023 roadshows commence with Lismore member event

    We are pleased to have restarted our member roadshows, following the challenges of COVID-19 and the impacts of natural disasters over the past few years.

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  • Customer-owned banks most trusted banking sector

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  • Tax scams explained - and how to protect yourself this EOFY

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  • Open Banking

    Open Banking provides greater visibility and control over your banking data, ease of comparison of products offered as well as an easy ability to switch providers.

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  • Barnardos Yurungai Learning Centre: more than just a place to learn

    G&C Mutual Bank actively supports Barnardos Australia via the Australian Mutuals Foundation (AMF). Barnardos Yurungai Leaning Centre is one of the initiatives that we proudly support.

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  • NSW Ambulance Employee of the Month July and August

    We proudly sponsor the NSW Ambulance Employee of the Month Awards, celebrating their staff who go above and beyond for the community.

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  • Congratulations to the NSW Ambulance Employee of the Year 2024

    The Employee of the Year is selected from the 2024 monthly award recipients, we are happy to join NSW Ambulance in congratulating this years’ winner.

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  • Celebrating International Women's Day

    At G&C Mutual Bank, we’re proud of our amazing women who make up 65 percent of our team, with 35 percent in management roles across the business. We invited three inspirational team members from across our business to share their insights on equality in the workplace.

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  • Beware of hacking and malware

    G&C Mutual Bank is a proud partner of Scams Awareness Week. This year’s theme focuses on personal information and identity crime, with the slogan 'Be yourself. Don’t let a scammer be you.' The campaign raises awareness of common scam types such as hacking and malware.

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  • Refuse remote access scams

    Scams Awareness Week raises awareness of scams that may affect you, such as remote access scams. Scammers design these scams to gain access to your computer and steal your personal details.

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  • Scamwatch radar alert: COVID-19 pandemic scams

    At G&C Mutual Bank, we regularly publish updates from Scamwatch to raise awareness of scams and help keep our members safe. Here’s a Scamwatch alert on COVID-19 scams.

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  • Stay vigilant against scams

    Over the years we have seen a steady rise in financial scams and fraud. It can be hard to spot scams but here are some steps you can follow that might help you to recognise a scam.

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  • Happy International Women's Day 2023

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  • Banking on a bolder future

    From 18 - 20 April, G&C Mutual Bank Board Chair Steve Helmich and CEO Rosanna Argall joined over 200 representatives at the 14th Global Alliance for Banking on Values (GABV) Annual Meeting.

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  • NSW Ambulance Employees of the Month September - November

    NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for September, October and November 2023.

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  • Australian businesses unite against financial abuse

    We are proud to be one of the 21 Australian businesses part of the respect and protect initiative designed to disrupt the rise of financial abuse in Australia.

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  • Launch of our Elder Financial Abuse Guide

    Our new Elder Financial Abuse Guide is designed to help you protect yourself or someone you love from elder financial abuse.

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  • Cyber security is everyone’s business

    This Cyber Security month, G&C Mutual Bank has shared some useful tips to help you stay safe online.

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  • Card Fraud

    G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot card fraud and how to get help.

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  • Platinum Visa Credit Card

    Enjoy the flexibility of a premium Visa Credit Card including Qantas Points on eligible purchases and access to Platinum Visa Concierge.

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  • What is elder financial abuse?

    Elder financial abuse is increasing, and instances of this crime are predicted to rise as our population ages. Those over the age of 50 are most at risk but it can happen to anyone – including you.

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  • Privacy Awareness Week 2025

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  • World Elder Abuse Awareness Day 2025

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  • PayID FAQ

    Make real time payments easily using PayID. Read our Frequently Asked Questions to learn more.

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  • Stay Smart Online Week 2019

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  • Cancer Council Daffodil Day Appeal 2022

    The Cancer Council of Australia host a yearly fund-raising appeal, aimed at sourcing much needed resources, that are used to fund life-changing breakthroughs in cancer research

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  • Scams Awareness Week 2022

    Scams Awareness Week 2022 provides useful information about empowering people to learn how to spot a scam.

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  • Cyber Security Awareness Month 2022

    Cyber Security Awareness Month is an annual reminder for all Australians to stay secure online. Find out how you can protect yourself online.

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  • Protect yourself online with a strong password

    Protect yourself online with a strong password. At G&C Mutual Bank the security of our members is one of our key priorities. Find out how to keep yourself safe.

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  • Don't fall for romance and dating scams

    Romance and dating scams are, arguably, the most deceptive scams as the ‘imposter’ usually forms a close bond with their victim. The scammer will play with their victim’s emotions and gain their trust before taking their money and leaving them heartbroken.

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  • Card Security

    G&C Mutual Bank is committed to combatting fraud with our information and tips to help keep your credit card and debit card secure.

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  • NSW Ambulance Employee of the Month recipients July - November 2022

    As the proud sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce the recipients for the second half of 2022.

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  • Cash Passport

    If you are planning a trip overseas, a Cash Passport Platinum Mastercard is a smart and secure way to manage your travel money.

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  • Apple Pay FAQ

    Apple Pay with G&C Mutual Bank. Read our Frequently Asked Questions.

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  • Our team's tips for sustainability

    Our staff members are not just passionate about helping others, some also want to make a difference by supporting a sustainable lifestyle. Bernadette and Janine from our marketing team share their tips for sustainable living.

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  • World Elder Abuse Awareness Day 2023

    The UN designated 15 June, as World Elder Abuse Awareness Day. The National Elder Abuse Prevalence Study suggests that one in six older Australians experienced elder abuse each year.

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    • G&C Mutual Bank appointed to First Home Loan Deposit Scheme lending panel

      The Federal Government’s National Housing Finance and Investment Corporation (NHFIC) announced today that G&C Mutual Bank (G&C) has been appointed to the lending panel for the Federal Government’s First Home Loan Deposit Scheme (the Scheme). G&C will commence funding Government-guaranteed loans from 1 February, 2020.

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    • Home Guarantee Scheme

      G&C Mutual Bank offer loans under the Australian Government's Home Guarantee Scheme, helping eligible first home buyers purchase a home with a smaller deposit.

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    • How to save for your first home

      Buying your first home can be daunting, but with the right planning, you might be holding the keys to your dream home sooner than you think.

      Read More
    • First Home Buyer Loan - Owner Occupied

      Take control of your first home purchase with our First Home Buyer Loan. A low variable rate home loan with an offset account. Apply online today.

      Read More
    • Introducing HomeBuilder

      HomeBuilder is a $25,000 tax-free grant for eligible owner-occupiers, including first time buyers, to build a new home or substantially renovate an existing home.

      Read More
    • Victorian Homebuyer Fund

      The Victorian Homebuyer Fund helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

      Read More
    • How home loan pre-approval can help you

      Navigating the home buying process can be challenging and overwhelming, at times, but obtaining pre-approval from your lender can help you get started. As well as giving you an indication of your borrowing power, it can help give you the confidence to make an offer on a property.

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    • Regional First Home Buyer Guarantee

      The Regional First Home Buyer Guarantee (RFHBG) helps eligible buyers with a smaller deposit buy a home. Enquire today.

      Read More
    • First Home Guarantee

      The First Home Buyer Guarantee (FHBG) helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

      Read More
    • The real costs of buying a home

      It’s easy to get caught up in the excitement of buying a home, but, unlike most of your purchases, there will be costs in addition to the price tag that you will need to consider carefully. So, before you call your removalists here’s what to expect.

      Read More
    • First Home Buyer FAQ

      Buying your first home can be daunting, but we’re here to help you achieve your home ownership dreams. Read our Frequently Asked Questions.

      Read More
    • First Home Buyer Guide

      Our First Home Buyer Guide helps members understand important information about buying your first home. Our friendly team is always happy to help.

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    • Family Home Guarantee

      The Family Home Guarantee (FHG) supports eligible buyers with a smaller deposit to purchase a home. Enquire with our team today.

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    • Sitemap

      Explore the G&C Mutual Bank website. It's your bank, because you own it.

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    • Home loan glossary

      Our glossary helps you understand various financial jargon relating to home loans, so that you can navigate though the process.

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    • Financial resolutions for 2021

      The start of a new year is the perfect time to reflect on your financial position and set goals for what you would like to accomplish. Here are five common financial goals and tips to help you achieve them.

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    • Canstar 2023 recognition of our First Home Buyer Loan

      Canstar 2023 Awards Best First Home Buyer Loan awarded to G&C Mutual Bank. The award recognises institutions offering outstanding value home loans as well as additional services

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    • Saving for your deposit: how to get there faster

      Buying a home is a major commitment and saving for a deposit is likely to be your biggest challenge. Saving the ideal 20 percent of a property’s value can seem near impossible, however, there are ways you can maximise your savings to get there faster.

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    • Winner of three RateCity Home Loan Awards

      G&C Mutual Bank is delighted to have received three Gold Awards as part of the inaugural RateCity Home Loan Awards including Small Deposit Home Loan, Packaged Home Loan and Investor 3 Year Fixed Home Loan.

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    • Target Market Determinations

      A target market determination (TMD) is a document, per product, describing who the product may be suitable for and related conditions for usage.

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    • Understanding Lenders Mortgage Insurance

      Learn about how Lenders Mortgage Insurance can help you to achieve your property dreams.

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    • Know your first home loan

      Finding the right home loan for your circumstances could help you get into the property market sooner. Here are some common home loan features.

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    • First home buyers - is now the time to buy?

      Is now the right time for you to take the leap into homeownership? Here are some of the factors to consider when buying your first home.

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    • Canstar's Customer Owned Bank of the Year – First Home Buyer 2023-2024

      It is with pride that we announce that G&C Mutual Bank has secured Canstar's First Home Buyer Award for the second year in a row

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    • Buy my first home

      If you are a first home buyer, G&C Mutual Bank is here to support you buy your first home.

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    • Supporting retirees with our Retirees Access Home Loan

      G&C Mutual Bank developed the Retirees Access Home Loan to support retirees who wish to maintain a comfortable lifestyle while remaining in their own home.

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    • Buy a home

      If you are looking to buy a home, G&C Mutual Bank is here to support you on your home ownership journey.

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    • Home Page

      Discover G&C Mutual Bank. It’s your bank, because you own it. Enquire about our home loans, personal loans, credit cards, term deposits or savings accounts. We're ready to help you.

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    • Momentum Home Loan wins in the 2024 RateCity Gold Awards

      For the second year in a row, G&C Mutual Bank’s Momentum Home Loan was recognised in the RateCity Gold Awards.

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    • Momentum Home Loan wins 5 RateCity 2023 Gold Awards

      We’re excited to announce that our Momentum Home Loan has won five awards in RateCity’s 2023 Gold Awards.

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    • Living our values

      Our culture is underpinned by our values. We strive to live these values in all aspects of our work. We proudly share one member's feedback of her experience with us.

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    • Victorian Homebuyer Fund FAQ

      Find answers to frequently asked questions about the Victorian Homebuyer Fund.

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    • InfoChoice Home Loan Lender of the Year again!

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    • Thank you, Dave!

      During Dave Taylor’s 11-year tenure as CEO, G&C Mutual Bank has achieved an outstanding turnaround in financial performance. On his retirement, we look back at some of these achievements.

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    • Mozo Experts Choice Awards success: Home Loans

      The Mozo Experts Choice Awards highlight Australia’s best financial products and we are delighted to have received the three awards for our First Home Loan Premium Package across three categories.

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    • Award-winning support for essential workers

      G&C Mutual Bank’s Essential Worker Home Loan has been announced as winner of the 2024 Finder Innovation Award in the Social Impact Innovation category.

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    • Our Momentum Home Loan named Best of the Best 2022

      Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2022.

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    • G&C Mutual Bank win 2023 Mozo Experts Choice Awards

      G&C Mutual Bank has been recognised for excellent value home loans in the 2023 Mozo Experts Choice Awards.

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    • G&C Mutual Bank Wins 3 Canstar Awards

      We're excited to announce G&C Mutual Bank has received three Canstar Outstanding Value Home Loan Awards.

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    • First Home Owner Grant

      The First Home Owner Grant (FHOG) is a government initiative which offers financial assistance to eligible first home buyers. Enquire about the Grant today.

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    • Announcement of Special Financial Support Measures

      On behalf of the G&C Mutual Bank Board and all G&C staff, I would like to extend our warmest thoughts and support to all members as you and your families grapple with the direct and indirect consequences of the COVID-19 virus.

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    • Our Momentum Home Loan named Best of the Best 2021

      Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2021.

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    • Refinance with an award-winning home loan

      G&C Mutual Bank has been announced as the winner of Canstar’s Customer Owned Bank of the Year - Home Loan Refinance Award.

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    • A step-by-step guide to buying an investment property

      Investing in property can involve a number of steps. This brief guide runs through everything you might need to know.

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    • Buy my first home

      If you are looking to buy your first home, G&C Mutual Bank is here to support you on your home ownership journey.

      Read More
    • InfoChoice 2020 Home Loan Lender of the Year

      We’re delighted to announce that G&C Mutual Bank has been awarded InfoChoice Home Loan Lender of the Year in the Customer Owned Category. In addition to this award, G&C Mutual Bank has also been recognised for four other InfoChoice awards with three products.

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    • Winner of the 2024 Finder Home Loan Award for Best Investor IO Variable Home Loan

      G&C Mutual Bank’s Momentum Home Loan - LVR 60 to 80% Special Offer (Investor, IO) won the 2024 Finder Award for Best Investor IO Variable Home Loan.

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    • Advantage Home Loan - Owner Occupied

      Purchase your next home with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

      Read More
    • Advantage Home Loan - Property Investor

      Purchase your next investment with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

      Read More
    • Understanding offset and redraw features

      Offset and a redraw features can help you save on interest and pay off your home loans faster.

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    • Fixed Rate Home Loan – Property Investor

      The security of a fixed rate, providing property investors with the certainty of knowing your home loan repayments won't change during the fixed rate period.

      Read More
    • Home Loans

      G&C Mutual Bank has a range of home loans to choose from and we’re ready to support you on your home ownership journey.

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    • The importance of insurance for your assets

      We understand that for most of our members, the purchase of property and other assets are significant financial investments, so it is important to safeguard those assets. Having insurance in place for these assets can provide peace of mind...

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    • HomeBuilder update

      The Federal Government’s HomeBuilder initiative has been extended until 31 March 2021, but the amount of the grant will be reduced.

      Read More
    • Essential Worker Home Loan

      Discover our Essential Worker Home Loan. A low variable rate home loan with an offset account, designed to support essential workers to own their own home.

      Read More
    • More RateCity Gold Award success

      G&C Mutual Bank is delighted to have received two Gold Awards as part of the inaugural RateCity Personal Loan and Car Loan Awards.

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    • G&C Interest Rate Changes - March 2020

      G&C has undertaken a comprehensive review of the rates charged on our variable rate home loans and our savings/deposit products. With home loan rates already at historic lows, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

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    • G&C Mutual Bank Interest Rate Changes October 2019

      Interest Rate Changes October 2019 | G&C Mutual Bank

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    • Fixed Rate Home Loan – Owner Occupied

      The security of a fixed rate, providing owner occupiers with the certainty of knowing your home loan repayments won't change during the fixed rate period.

      Read More
    • G&C Interest Rate Changes - 15 July 2019

      G&C has undertaken a comprehensive review of interest rates charged on our home loans and savings/deposit products.

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    • G&C Interest Rate Changes

      G&C has undertaken a comprehensive review of rates charged on our variable rate loan and savings/deposit products. With the RBA Cash Rate and overall market rates now falling to a further historic low, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

      Read More
    • Buying vs. renting

      Deciding whether to buy a property or continue renting is rarely a simple choice. Housing affordability, your lifestyle and investment goals are all factors to consider when weighing up the advantages and disadvantages of buying or renting.

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    • Financial Claims Scheme

      The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society or credit union fails.

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    • How a reverse mortgage could help you

      Your home is likely to be your greatest asset, and if you are ‘asset rich’ but ‘cash poor’ you can borrow money using the equity in your home as security. This is called a reverse mortgage and it can be a great way to boost your finances for retirement, depending on your circumstances.

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    • Get Ahead Start Guarantor Option

      Get Ahead Start with our Guarantor Option, allowing a family member to offer suitable security as part of the home loan to help you purchase your first home.

      Read More
    • Refinance my loan

      If you are looking to refinance your home loan, G&C Mutual Bank is here to support you with a Home Loan Health Check.

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    • Get a personal loan

      If you are looking for a personal loan, to buy a car, go on a holiday or consolidate your debts, G&C Mutual Bank is here to help.

      Read More
    • Essential Worker Home Loan wins Mozo Experts Choice Awards 2025

      G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, securing a total of four Mozo Experts Choice Awards for 2025. The bank’s Essential Workers Home Loan has been awarded in 3 categories.

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    • Home Loan Key Fact Sheet

      Our Home Loan Key Fact Sheet helps members understand important information about home loans. Our friendly team is always happy to help.

      Read More
    • Our Personal Loan receives a RateCity Gold Award 2022

      Our Fair Rate Personal Loan has made its mark, being recognised with a Gold Award 2022 from RateCity within the Excellent Credit Personal Loan category.

      Read More
    • Retirees Access Home Loan

      Unlock the equity in your home with our Retirees Access Home Loan, specifically designed to assist those who have reached, or are nearing, retirement age.

      Read More
    • Bridging Loan – Owner Occupied

      Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

      Read More
    • Home Buyer Guides

      Our Home Buyer Guides helps members understand important information about buying their home. Our friendly team is always happy to help.

      Read More
    • Thinking about refinancing?

      If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed, so refinancing can be worth considering.

      Read More
    • Our Personal Loan recognised with industry awards

      G&C Mutual Bank's Fair Rate Personal Loan has again been recognised by Mozo Experts Choice and Canstar for its great value. We are delighted to receive this recognition from industry experts within such a competitive market.

      Read More
    • Personal loan glossary

      Our glossary helps you understand financial jargon relating to personal loans, so that you can navigate though the process. We're here to help

      Read More
    • G&C Interest Rate Changes – June 2023

      Following the RBA’s announcement on 6 June to increase Australia's cash rate, we have made the decision to raise variable home loan and savings interest rates by up to 0.25%p.a.

      Read More
    • Our awards

      G&C Mutual Bank products continue to be independently recognised for their great value, flexibility and innovative features.

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    • Canstar’s 2022 Home Loan Refinance Awards

      We're excited to announce G&C Mutual Bank has received Canstar's 2022 Customer-Owned Bank of the Year – Home Loan Refinance Award.

      Read More
    • Mozo Experts Choice Award Wins 2022

      G&C Mutual Bank have been recognised by Mozo Experts Choice for the Used Car Loan awards on our Fixed Rate Car Loan, and for Excellent Credit Secured Personal Loan awards on our Fair Rate Personal Loan.

      Read More
    • Momentum Home Loan - Owner Occupied

      You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

      Read More
    • How to consolidate your debt

      Debt consolidation can help you take control of your debts by combining them into one loan with one regular repayment.

      Read More
    • Momentum Home Loan - Property Investor

      You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

      Read More
    • G&C Interest Rate Changes – May 2022

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    • Bridging Loan – Property Investor

      Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

      Read More
    • Fixed Rate Car Loan

      Found your dream car? G&C Mutual Bank can help you drive away with your dream car loan with our Fixed Rate Car Loan.

      Read More
    • Mobile Lenders

      Our mobile lenders will come to you – book a home or workplace visit now.

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    • Term Deposit FAQs

      Read our Frequently Asked Questions.

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    • Thinking about renovating?

      You may love watching television renovation shows, but in reality renos are hard work, expensive and not always appropriate. Here are eight tips to help you make smart renovation decisions.

      Read More
    • Essential Worker Home Loan Member Survey

      Our members have a say in our future. We welcome your feedback, ideas and suggestions.

      Read More
    • Build or renovate

      If you are looking to build or renovate, G&C Mutual Bank is here to support you with our range of home loan offerings.

      Read More
    • Five common reverse mortgage myths

      Our Retirees Access Home Loan is a variable rate reverse mortgage. To help you better understand this product, we're debunking five of the most common reverse mortgage myths.

      Read More
    • Term Deposit Calculator

      Use G&C Mutual Bank's Term Deposit Calculator to calculate interest earned over a period of time and see what you can save.

      Read More
    • G&C Interest Rate Changes – May 2023

      Following the Reserve Bank of Australia’s announcement on 2 May to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise variable home loan interest rates by up to 0.25%p.a.

      Read More
    • G&C Interest Rate Changes – November 2023

      Following the RBA’s announcement on 7 November to increase Australia's cash rate, we have made the decision to raise variable home loan interest rates.

      Read More
    • Finder Award Methodology

      Read More
    • G&C Mutual Bank recognised in Canstar's Outstanding Value Home Lender 2025 Awards

      G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, in Canstar's Outstanding Value Home Lender Awards.

      Read More
    • Get started on your bucket list locally

      As a result of COVID-19 restrictions, we are spending more time at home, with overseas and interstate travel likely to be impacted for the foreseeable future. The pandemic has also been a time to take stock and reflect on what is important. Given this, now might be the perfect time to tackle the things you’ve been thinking about doing, and spending locally. Your local bucket list has never been more important for helping small businesses and communities recover from months of lost income.

      Read More
    • Loans

      G&C Mutual Bank has a range of loans to help you buy a home, achieve your goals or cover unexpected expenses.

      Read More
    • Reverse Mortgage

      Unlock the equity in your home with our Reverse Mortgage option, specifically designed to assist those who have reached or are nearing retirement.

      Read More
    • Anzac Day Biscuits

      Read More
    • More awards for G&C Mutual Bank's outstanding products

      More awards for G&C Mutual Bank's outstanding products

      Read More
    • Momentum Refinance OO Google

      Make your move with our Momentum Home Loan refinance special.

      Read More
    • Buy my next home

      If you are looking to buy your next home, G&C Mutual Bank is here to support you on your home ownership journey.

      Read More
    • Momentum Refinance OO RateCity Campaign

      Make your move with our Momentum Home Loan refinance special.

      Read More
    • Momentum Refinance OO Google Campaign

      Make your move with our Momentum Home Loan refinance special.

      Read More
    • Momentum Refinance OO Finder

      Make your move and refinance now with our Momentum Home Loan refinance special.

      Read More
    • Achieve your savings goals with these quick tips

      Learn about our award winning Term Deposits and Savings Accounts and achieve your savings goals with our useful savings tips.

      Read More
    • Business Vehicle Loan

      Business Car Loan specifically designed to help business owners save time and manage cashflow on the purchase of a new or used vehicle.

      Read More
    • Refinancing FAQ

      Considering refinancing your home loan? Perhaps your circumstances have changed or you’re just looking for a better deal? Read our Frequently Asked Questions.

      Read More
    • A win in RateCity's 2023 Gold Awards

      G&C Mutual Bank's Fair Rate Personal Loan has won RateCity's 2023 Gold Award for Best Excellent Credit Personal Loan.

      Read More
    • Tidy up your finances

      When we think of tidying up, we would usually think of cleaning up our home or office, but tidying up our finances regularly is also an important task.

      Read More
    • Invest in property

      If you are looking to invest in property, G&C Mutual Bank is here to support you with our range of home loan offerings.

      Read More
    • Property Investment FAQ

      Investing in property could be a great way to build your wealth for your financial future. We’re ready to help. Read our Frequently Asked Questions.

      Read More
    • Term Deposits

      Secure your savings goals with a term deposit. Enjoy fixed return and interest rate with terms ranging from 30 days to 5 years with as little as $1000.

      Read More
    • Refinance - Owner Occupied

      If you are looking to refinance your owner occupied home loan, G&C Mutual Bank is here to support you, offering a range of home loans.

      Read More
    • Refinance - Property Investor

      If you are looking to refinance your property investment loan, G&C Mutual Bank is here to support you, offering a range of home loans.

      Read More
    • Save for a goal

      Knowing what your savings goals are and developing a savings plan can help you achieve them sooner.

      Read More
    • Forms

      Apply, contact or enquire online at a time and place that suits you using G&C Mutual Bank’s online forms. We’re ready to help you.

      Read More
    • Fixed Business Loan Secured

      G&C Mutual's Fixed Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

      Read More
    • A double win in the 2023 Mozo Experts Choice Awards

      G&C Mutual Bank’s double win for term deposits in the 2023 Mozo Experts Choice Awards

      Read More
    • Mozo recognises our term deposits for a second year

      G&C Mutual Bank’s double win for term deposits in the 2024 Mozo Experts Choice Awards

      Read More
    • Cost considerations when buying a car

      You’ve got your eye on a car and you’re ready to purchase it for that fantastic driveaway price. It’s important to understand the costs before you drive off into the sunset.

      Read More
    • Apply Online

      You can apply online for a number of G&C Mutual Bank products and services at a time and place that suits you.

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    • Variable Business Loan Secured

      G&C Mutual's Variable Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

      Read More
    • Need a holiday?

      It has probably been a few years since some of us have had the opportunity to be able to truly get away for a holiday, due to the pandemic, border closures, and lockdowns. Whether you are considering a holiday locally, interstate, or overseas, we could help make your holiday dream a reality.

      Read More
    • Fair Rate Personal Loan

      G&C Mutual Bank's Fair Rate Personal Loan can help to fund holidays and travel, buying a car or debt consolidation.

      Read More
    • Guarantees and guarantors FAQ

      Deciding to be a guarantor on a home loan can be daunting, but we’re here to help you. Read our Frequently Asked Questions to learn more.

      Read More
    • Could debt consolidation help you?

      No-one wants to start the new year with a Christmas debt hangover. You may have resolved to get your debt under control, and debt consolidation could be a smart way to achieve this.

      Read More
    • Publications

      Keep across the latest news and information from G&C Mutual Bank.

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    • Loan Comparison Calculator

      Compare loans with our Loan Comparison Calculator to see what loan suits your financial needs.

      Read More
    • G&C Interest Rate Changes – February 2025

      G&C have made the decision to decrease interest rates for variable rate home loans and savings accounts.

      Read More
    • Calculators

      Use our wide range of calculator tools to estimate how much you can borrow, plan ahead with loan repayments or develop a savings plan.

      Read More
    • Start planning your escape

      With international travel restrictions likely to be in place for some time, you may be dreaming of a local escape as soon as it's safe to travel. If you're planning to load up the camper van, here are five iconic Australian road trips to inspire you.

      Read More
    • Budgeting for beginners

      Budgeting is a key component to your financial health. Make the most of your money with G&C Mutual Bank.

      Read More
    • Loan Repayment Calculator

      Use G&C Mutual Bank's Loan Repayment Calculator to calculate how much your loan repayments will be.

      Read More
    • Car loan FAQ

      A car loan could help you drive away your dream car sooner. Read our Frequently Asked Questions.

      Read More
    • Mortgage Offset Account

      Enjoy the flexibility of an offset account like an everyday transaction account, where the balance offsets what is owed on your eligible home loan.

      Read More
    • Split Loan Simulator

      Use G&C Mutual Bank's Split Loan Simulator to calculate your repayments.

      Read More
    • Car Loan

      Use G&C Mutual Bank's Car Loan Calculator to estimate your monthly car loan repayments so you can drive away in your dream car sooner.

      Read More
    • Personal loan FAQ

      A personal loan could help you buy a car, go on holiday or consolidate your debts. Read our Frequently Asked Questions.

      Read More
    • Mortgage Offset FAQ

      Learn more about about making real time payments easily using PayID with our Frequently Asked Questions.

      Read More
    • Interest Rate Change – May 2025

      On Tuesday 20 May 2025, the Reserve Bank of Australia (RBA) announced a decrease of 0.25%p.a. to the official cash rate. Following this, we have reviewed the interest rates applicable to our variable rate home loans and advise that the rates for existing mortgage holders will decrease by 0.25%p.a., effective from 1 June 2025.

      Read More
    • Debt consolidation FAQ

      Take control of your debts by consolidating them into one loan with one regular repayment. Read our Frequently Asked Questions.

      Read More
    • Canstar Customer Owned Bank of the Year – Term Deposits 2023 winner

      G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

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    • Canstar's Customer Owned Bank of the Year – Term Deposits 2024

      G&C Mutual Bank named Canstar's Customer Owned bank of the Year - Term Deposits, for 2024.

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    • Canstar Customer Owned Bank of the Year – Term Deposits 2025 winner

      G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

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    • Retirees FAQ

      A reverse mortgage allows you to borrow money using the equity in your home as security. Read our Frequently Asked Questions.

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    • Business Equipment Loan

      Our Business Equipment Loan is specifically designed to assist business owners finance equipment without tying up valuable capital.

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    • Ten tips for Christmas on a budget

      It’s the most wonderful time of the year according to Andy Williams. However, this year may be a bit different, with many Australians planning a simpler Christmas. Here are some easy ways to have a wonderful Christmas on a budget (without being a scrooge).

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    • Business Banking

      Business Banking services are designed to put you in control of your business transactions and payroll processing online.

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    • Business Overdraft

      Our Business Overdraft is a flexible way to access funds quickly and easily to manage your everyday business expenses. Enquire today.

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    • Buy a car

      If you are looking to buy a car, G&C Mutual Bank is here to support you, so you can hit the open road.

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    • 65 years of banking on your community

      As G&C Mutual Bank marks its 65th anniversary in 2024, it’s an opportunity to reflect on a remarkable journey of growth, resilience, and unwavering commitment to members.

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    • Footer Content

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    • XERO Accounting Package

      Xero provides accounting solutions for our members directly or through their nominated accounting firms on behalf of members. Enquire today.

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    • Banking Guides

      Banking guides and step by step demonstrations to help you register for, and best utilise, our banking services. We’re ready to help.

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    • Bank@Post

      G&C Mutual Bank members can use the Bank@Post service to make a deposit or withdraw cash from an Australia Post Office near you. Charges apply.

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    • EOFY deals on wheels

      It’s that time of year when many car dealers are busy promoting EOFY deals and, with a soft start to sales this year, you could potentially find a great bargain. Here are six tips to help you make the most of these deals on wheels.

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    • Deceased Estate FAQ

      Our deceased Estate Frequently Asked Questions regarding how we can assist you through the process of managing your loved one’s banking affairs.

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    • Personal Loan

      Use G&C Mutual Bank's Personal Loan Calculator to estimate how much you can borrow and what your loan repayments will be.

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    • 8 ways G&C could help with your banking needs

      Our commitment to you has always been a priority. Here are some ways we could help with your banking needs.

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    • Banking on Values Day 2024

      This Banking on Values Day 2024, we explore how G&C Mutual Bank is Transforming Banking, Transforming Lives.

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    • Fair Rate Personal Loan Offer Canstar

      Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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    • NSW Ambulance Employees of the Month Jan - June 2023

      NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for the first half of 2023.

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    • G&C Interest Rate Changes – June 2022

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    • G&C Interest Rate Changes – August 2022

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    • G&C Interest Rate Changes – November 2022

      Following this decision to increase Australia's cash rate we have made the decision to raise interest rates for both borrowers and depositors.

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    • G&C Interest Rate Changes – February 2023

      Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate on 7 February 2023, we have made the decision to raise interest rates for borrowers and depositors.

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    • G&C Interest Rate Changes – March 2023

      Following the Reserve Bank of Australia’s recent announcement to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise interest rates by up to 0.25%p.a. for both borrowers and depositors.

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    • How to get the most out of your finances with G&C during these uncertain times

      As we all try to navigate our way through uncertain times, we’ve put together a few tips and some information on our various products and services that may help you make the most of your finances during these uncertain times and provide some comfort and relief.

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    • Mutual Value Measurement Accreditation

      G&C Mutual Bank is pleased to be the first financial institution globally to be accredited under the Mutual Value Measurement Framework.

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    • Online Banking

      G&C Mutual Bank offers convenient, secure and simple banking online so members can access their money at a time, and in a way that suits them.

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    • Retire

      G&C Mutual Banks Reverse Mortgage is designed for those who have reached, or are nearing, retirement age and looking to unlock the equity in their own home.

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    • Public APIs

      Use our Public APIs to access non-member specific information such as available products including deposit and transaction accounts and credit cards.

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    • G&C's approach to coronavirus (COVID-19)

      The novel coronavirus (COVID-19) outbreak is evolving in Australia and the spread of the virus will no doubt continue to impact both the community and economy. Our philosophy is to focus on the health and wellbeing of our people, our members and our communities as our first priority, and to take an informed approach that is sensible, balanced and respectful of all.

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    • G&C Interest Rate Changes – September 2022

      Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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    • Fair Rate Personal Loan Canstar

      Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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    • MoneyMax

      Achieve your savings goal faster with our MoneyMax online savings account, offering higher returns than a standard savings or transaction account.

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    • Open a savings account

      G&C Mutual Bank has a range of savings accounts and term deposits to help you spend or save, the way you want.

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    • Is debt consolidation an option?

      The end of the year can always feel overwhelming, particularly from a financial perspective. The commencement of a new year will hopefully bring you feelings of a ‘fresh start’ and your approach may begin with reviewing financial expenses. If you are wanting to get your debt under control, debt consolidation may be a way to achieve this.

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    • Fair Rate Personal Loan RateCity

      Our award-winning Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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    • Membership and account closure FAQ

      When you need to close one of your your accounts, we’re here to help you. Read our Frequently Asked Questions.

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    • Bank Guarantee

      Keep your cash to run and grow your business with our Bank Guarantee, to ensure payments to your suppliers are met without tying up working capital.

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    • G&C Interest Rate Changes – July 2022

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    • Digital Cards

      Manage your G&C Mutual Bank digital card from within our Mobile App. Add it to your Digital Wallet to pay in store.

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    • Launch of recycled PVC debit and credit cards

      G&C Mutual Bank launches recycled PVC debit and credit cards as part of our commitment to a more sustainable future for our members and their communities.

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    • International Credit Union Day

      International Credit Union Day, Thursday 17 October, celebrates the spirit of the global credit union movement.

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    • Your Bank Your News - April 2020

      The latest edition of our newsletter Your Bank Your News is now available. This issue features insightful articles including our CEO Update, Special financial support measures, How to manage your banking from home, and more.

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    • Investing in your relationship

      We invest so much time and emotion in our romantic relationships that financial matters can be neglected. If you're planning a future together, it's important to understand each other’s attitudes to money sooner rather than later.

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    • Understanding financial literacy: A foundation for your future

      Financial literacy is important to help people manage their money wisely and avoid the stresses of financial insecurity. 

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    • National NAIDOC Week 2025

      National NAIDOC Week 2025: Celebrating culture, history, and achievement

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    • Savings & Investments

      We have a range of savings accounts and term deposits to help you spend or save, the way you want.

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    • Extra Repayment Calculator

      Use G&C Mutual Bank's Extra Repayment Calculator to estimate how much your loan repayments will differ if you make extra loan repayments.

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    • Lump Sum Repayment Calculator

      Use G&C Mutual Bank's Lump Sum Repayment Calculator to understand how your loan repayments will differ if you make lump sum loan repayments.

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    • Cooperatives build a better future for all

      On the International Day of Cooperatives, we reflect on the contributions from cooperatives in building a sustainable future.

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    • Taxing times: what’s the shortcut method?

      Did you know that the Australian Taxation Office (ATO) have introduced a temporary shortcut method, which may help you calculate your deductible work-related expenses with minimal record keeping requirements?

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    • Your Bank Your News - Winter 2020

      The latest edition of Your Bank Your News is now available.

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    • Relief for members impacted by NSW Mid North Coast flooding

      As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us most and we stand ready to help members directly impacted by this weather event with a number of support measures. Find out more.

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    • National Reconciliation Week: Bridging Now to Next

      National Reconciliation Week (NRW), held annually from 27 May to 3 June, is a significant time for all Australians to reflect, learn, and engage in the journey toward reconciliation.

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    • G&C Interest Rate Changes – October 2022

      Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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    • Service Centres

      Visit your local G&C Mutual Bank Service Centre, with locations across New South Wales and in Melbourne.

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    • Board of Directors

      Our Board of Directors is responsible for the overall governance, management and strategic direction of G&C Mutual Bank.

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    • Break Cost Fee

      Learn more about how a Break Cost Fee (BCF) may be payable if you make repayments additional to your scheduled repayments.

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    • How to spring clean your finances

      How to spring clean your finances in six easy steps

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    • International Nurses Day

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    • Banking on Values Day 2023

      We are proudly an Associate Member of the GABV and celebrate Banking on Values Day 2023. Learn about values-based banking and how we 'Think Bolder'.

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    • Computer takeover scams on the rise

      At G&C Mutual Bank, we regularly share updates from the Australian Competition and Consumer Commission (ACCC) to help you recognise common scam threats and stay safe online.

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    • Online Banking FAQ

      Banking Online is convenient, secure and simple. Read our Frequently Asked Questions.

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    • Relief for members impacted by Tropical Cyclone Alfred

      As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us the most and we stand ready to help members directly impacted by Tropical Cyclone Alfred with a number of special support measures.

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    • Transaction disputes FAQ

      When you need to dispute a transaction, we're ready to help you. Read our Frequently Asked Questions to learn more.

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    • Financial hardship FAQ

      We understand that at times you can find yourself in a vulnerable financial position and we're ready to help you. Read our Frequently Asked Questions.

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    • Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

      Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

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    • Samsung Pay FAQ

      Samsung Pay is an easy and secure way to manage contactless payments in store and online from your compatible Samsung products.

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    • Personal & Car Loans

      G&C Mutual Bank has a range of personal loans to help you achieve your goals or cover unexpected expenses.

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    • Lismore Service Centre re-opening

      As a proud community-based organisation, we remain committed to our members, staff and the Lismore community. As such, we are pleased to have recently re-opened our new Lismore Service Centre following last year's devastating flood.

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    • Celebrating International Credit Union Day

      Established in 1959 as the Public Works Department Staff Co-operative, G&C Mutual Bank is proud to be part of a global movement that puts people first.

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    • Complaints

      You are invited to raise any concern or complaint you may have with G&C Mutual Bank. We will endeavour to understand your concerns and reach a resolution in a fair, prompt and efficient manner.

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    • Bonus Saver

      G&C Mutual Bank's Bonus Saver can help you save for something special by keeping your savings separated, earning ongoing bonus interest monthly.

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    • Mobile App FAQ

      Our Mobile App is an easy and secure way to manage your finances on the go. Read our Frequently Asked Questions.

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    • Preparing for a holiday?

      Whether you are considering a holiday locally, interstate, or overseas, we have a range of products to help make your holiday dream a reality.

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    • Celebrating Harmony Week: Everyone belongs

      At G&C Mutual Bank, we proudly support diversity and inclusion. We’re celebrating Harmony Week with our team, which includes individuals from over 20 cultural backgrounds.

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    • Supporting 150 years of mutual banking

      G&C Mutual Bank has strongly endorsed a new campaign which proudly celebrates the ingenuity and ‘can do’ spirit of Australia. Launched by the Customer Owned Banking Association, the campaign focuses on the relationship between hard-working Australians and customer owned banking.

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    • Hunter Valley Region Service Centre

      G&C Mutual Bank members in Hunter Valley Region can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Our staff share their cost saving tips

      Our staff members are passionate about helping others. We wanted to share with you some of the different cost saving tips some of our staff are doing to help with their every day costs, or reducing their living expenses.

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    • Inactive accounts FAQ

      These inactive account Frequently Asked Questions are here to help you to reactivate your account before it is deemed inactive or dormant.

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    • Adelaide Service Centre

      G&C Mutual Bank has a Service Centre located in Adelaide for your convenience. Visit the team, or our mobile lender can come to you.

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    • Bankstown - Kitchener Parade Service Centre

      G&C Mutual Bank has a Service Centre located in Bankstown for your convenience. Visit the team, or our mobile lender can come to you.

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    • Bathurst Service Centre (Unity)

      G&C Mutual Bank has a Service Centre located in Bathurst for your convenience. Visit the team, or our mobile lender can come to you.

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    • Blayney Service Centre

      G&C Mutual Bank has a Service Centre located in Blayney for your convenience. Visit the team, or our mobile lender can come to you.

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    • Collie Service Centre

      G&C Mutual Bank members in Collie can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Gulargambone Service Centre

      G&C Mutual Bank members in Gulargambone can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Kandos Service Centre

      G&C Mutual Bank members in Kandos can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Melbourne Service Centre (Unity)

      G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Melbourne ETU Service Centre

      G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Oberon Service Centre

      G&C Mutual Bank members in Oberon can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Port Kembla Service Centre

      G&C Mutual Bank members in Port Kembla can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Trundle Service Centre

      G&C Mutual Bank members in Trundle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Wyong Service Centre

      G&C Mutual Bank members in Wyong can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Celebrating International Women's Day 2021

      In honour of International Women’s Day, we are celebrating the achievements of our fabulous female executives. We invited Rosanna, Elsbeth, Leigh and Vanessa to share some insights into their career journeys and thoughts on equality in the workplace.

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    • Resume Application

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    • Direct debits and recurring payments FAQ

      When you need help with direct debits and recurring payments, we’re ready to help you. Read our Frequently Asked Questions to learn more.

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    • Accessible and inclusive banking

      G&C Mutual Bank is constantly working towards ensuring our products, services and platforms are available and accessible for everyone.

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    • Brisbane Service Centre

      G&C Mutual Bank has a Service Centre located in Brisbane for your convenience. Visit the team, or our mobile lender can come to you.

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    • Moranbah Service Centre

      G&C Mutual Bank members in Moranbah can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Sydney Service Centre (Unity)

      G&C Mutual Bank members in Sydney can transact in person using the services of Unity Bank. Visit the team, or our mobile lender can come to you.

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    • Fremantle Service Centre

      G&C Mutual Bank members in Fremantle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Newcastle Service Centre (Unity)

      G&C Mutual Bank members in Newcastle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Christmas Saver Account

      Our Christmas Saver Account helps you put money aside for the busy Christmas period to reduce financial stress.

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    • Supporting the Uluru Statement from the Heart

      G&C Mutual Bank strongly supports the Uluru Statement from the Heart.

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    • Samsung Pay

      Add your eligible G&C Mutual Bank card to Samsung Pay. Make secure, contactless payments in-store by tapping your supported Samsung device.

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    • Our Term Deposits are an award winner

      We are delighted to be recognised and acknowledged as the Customer-Owned Bank of the Year Term Deposits award winner for 2022 by Canstar.

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    • Discontinuing Cheques

      Resources and support for discontinuation of cheques from 01 Feb 2024

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    • SMSF Account FAQ

      Learn more about G&C Mutual Bank's Self Managed Super Fund with our Frequently Asked Questions.

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    • Celebrating Money magazine's Cheapest Standard Credit Card - Bank Product 2020 Award

      G&C Mutual Bank is delighted to have been judged Money magazine’s Cheapest Standard Credit Card - Bank Product 2020 for our Low Rate Visa Credit Card. This is the fourth consecutive year that our Low Rate Visa Credit Card has been chosen for this prestigious award.

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    • Sydney Service Centre

      G&C Mutual Bank has a Service Centre located in Sydney City for your convenience. Visit the team, or our mobile lender can come to you.

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    • Bathurst Service Centre

      G&C Mutual Bank members in Bathurst can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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    • Wagga Wagga Service Centre

      G&C Mutual Bank has a Service Centre located in Wagga Wagga for your convenience. Visit the team, or our mobile lender can come to you.

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    • Rates & Fees

      Important information regarding G&C Mutual Bank's interest rates, fees and charges, and terms and conditions.

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    • Newcastle Service Centre

      G&C Mutual Bank has a Service Centre located in Newcastle for your convenience. Visit the team, or our mobile lender can come to you.

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    • G&C Interest Rate Changes – January 2023

      G&C Mutual Bank has raised interest rates for depositors on our Term Deposits and a number of Savings Accounts from 16 January 2023.

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    • Executive Team

      Our Executive Team works with the Board of Directors and is responsible for implementing plans to achieve G&C Mutual Bank's strategic objectives.

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    • Take off on a holiday

      If you are looking to go on a holiday, G&C Mutual Bank is here to help with personal loans, foreign currency and travel insurance.

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    • Visa payWave FAQ

      Visa payWave is a fast and convenient way to pay using secure, contactless chip technology. Read our Frequently Asked Questions.

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    • Are your financial new year resolutions still on track?

      It's been a few weeks since we said goodbye to 2021 and hello to 2022. Here are some helpful banking tools and services that might help to keep your financial new year resolutions on track.

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    • Two ways to boost your savings as you enter retirement

      As you near or enter retirement, having a reliable income would be a priority for most of us. It makes planning how you are going to enjoy retirement a whole lot easier. At G&C Mutual Bank we have account options to suit different savings goals as well as your everyday spending.

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    • Banking Help

      Learn more through G&C Mutual Bank's range of Banking Guides, FAQ's and other information on how to register for, and best utilise our banking services.

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    • Happy International Women's Day

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    • Closure of Lismore Service Centre due to the current floods

      We will be closing our Lismore Service Centre until further notice due to the current floods.

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    • Don't be a money mule

      The Australian Federal Police today launched the Don’t be a Mule campaign. This awareness campaign is particularly relevant this time of year when the opportunity to earn some extra cash can be tempting.

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    • NSW Ambulance Employee of the Month for February 2021

      As the sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce February's recipient: Tegan Groom. Congratulations Tegan!

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    • COVID-19 update

      At G&C Mutual Bank, we understand that the COVID-19 situation is especially difficult for those impacted by lockdowns, and we aim to minimise disruption to your banking needs.

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    • Mobile App

      G&C Mutual Bank offers convenient, secure and simple Mobile App so members can access their money at a time, and in a way that suits them.

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    • Deactivation of Quay Mutual Bank BSB

      Read our Frequently Asked Questions to learn more about the Deactivation of Quay Mutual Bank's BSB

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    • CPSU Victoria's inaugural Women of Colour Conference

      G&C Mutual Bank was delighted to sponsor the Community and Public Sector Union (CPSU) Victoria’s inaugural Women of Colour Conference, which was held at Melbourne’s Immigration Museum on 28th October 2019.

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    • Investment Scams

      We are constantly working to keep our members safe with our information and tips to help identify common investment scams and keep you and your money safe.

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    • Important information regarding the Unity Bank merger

      Preparations are well underway for the merger with Unity Bank and we are committed to supporting members through this transition.

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    • International Credit Union Day 2022

      G&C Mutual bank is proud to celebrate the 74th anniversary of International Credit Union Day. This year, we gather as a global movement under the theme “Empower Your Financial Future with a Credit Union”.

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    • Google Pay

      Add your eligible G&C Mutual Bank card to Google Pay. It's a fast, secure and easy way to make payments in-store and online.

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    • Advance Notice of 2021 Annual General Meeting

      The 2021 Annual General Meeting of G&C Mutual Bank will be held on Wednesday 17 November 2021.

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    • Advance Notice of 2022 Annual General Meeting

      The 2022 Annual General Meeting of G&C Mutual Bank will be held in November 2022.

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    • About Us

      G&C Mutual Bank is a different kind of bank, built around a big idea - It’s your bank, because you own it. We are member owned.

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    • Temporary closure of Sydney and Parramatta Service Centres

      Our Sydney and Parramatta Service Centres are temporarily closed until further notice in line with the NSW Government COVID-19 Public Health Order and lockdown extension.

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    • InfoChoice's Credit Card Provider of the Year

      G&C Mutual Bank is delighted to have taken the top spot as InfoChoice’s 2021 Credit Card Provider of the Year in the Customer Owned category.

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    • Financial Hardship

      We understand that unexpected life events can result in financial stress. Please contact us to discuss the options available.

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    • eStatements FAQ

      Keep across your account activity and register for free and convenient eStatements. Read our Frequently Asked Questions.

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    • NSW Ambulance Employee of the Month Award for August

      Each NSW Ambulance Employee of the Month Award recognises a staff member who has demonstrated outstanding performance or innovation. As the sponsor of these awards, G&C Mutual Bank is delighted to announce that the recipient for August is David Stubbs.

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    • Share A Story. Stop A Scam

      Together, we can prevent scammers from stealing your information.

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    • Advance Notice of 2023 Annual General Meeting

      The 2023 Annual General Meeting of G&C Mutual Bank will be held in November 2023.

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    • Cyber Security Awareness Month: Personal Cyber Security Guides

      G&C Mutual Bank supports Cyber Security Awareness Month, for which the ACSC has launched a range of Personal Cyber Security Guides to help Australians boost their cyber defences.

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    • Online Banking security reminder

      With a number of recent cyber-attacks in Australia and the increasing prevalence of scams, we wanted to take this opportunity to again remind members to be vigilant when banking online.

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    • Barnardos Auburn Centre NAIDOC 2023 celebration

      Our team recently volunteered at the Barnardos Auburn Centre for their 2023 NAIDOC week celebration

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    • Stronger together, to benefit members

      Today marks an important milestone as the merger-of-equals between G&C Mutual Bank and Unity Bank takes effect.

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    • Updated Terms and Conditions – July 2025

      Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 1 July 2025. For your convenience, we have summarised the most notable changes.

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    • Changes to our incorporated name

      From the 1 July 2025 our incorporated name will be Unity Bank Limited. The incorporated name is the name registered with Australian Securities & Investments Commission (ASIC) as the legal company name. As a member you will continue to see the Unity Bank, G&C Mutual Bank and Reliance Bank brands.

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    • Unity Bank Merger Frequently Asked Questions

      Answering members frequently asked question regarding the upcoming merger with Unity Bank on March 7th, 2025.

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    • Scam Security

      We are committed to supporting members with information and tips to help identify common scams and keep you and your money safe.

      Read More
    • Google Pay FAQ

      Google Pay is an easy and secure way to manage contactless payments in store and online from your compatible Google products.

      Read More
    • Government impersonation scams on the rise

      Australians are being urged to watch out for government impersonation scams, which are on the rise during tax time. More than 7100 reports have been made to Scamwatch, with over $1.26 million lost so far this year although losses are likely to be far greater.

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    • Discontinuation of Phone Banking services

      Resources and support for the discontinuation of Phone Banking services.

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    • Identity Fraud

      G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot identity fraud and how to get help.

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    • Real time payments

      G&C Mutual Bank members can make real time payments using the New Payments Platform including PayID and Osko by BPAY

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    • Volunteering with Marine Rescue NSW

      At G&C Mutual Bank, we’re passionate about helping people and our community. Chris, our Newcastle-based Collections Officer, volunteers with Marine Rescue NSW. We asked Chris to tell us more...

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    • Lismore staff have helped members affected by the floods

      Our Member Relationship Officers located in Lismore have been talking directly with members impacted by the floods. They explain how much it has affected them.

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    • Win Big with Your Visa Card – 50 Mega Cash Prizes Up for Grabs!

      We have exciting news for you! Get ready to win one of 50 mega cash prizes in our exclusive prize draw.

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    • Volunteering at the Peter Pan Op Shop with Barnardos

      Community is at the heart of G&C Mutual Bank, so when the Australian Mutuals Foundation contacted us to ask for help at the Barnardos Peter Pan Op Shop, our staff responded.

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    • Celebrating the 75th International Credit Union Day

      International Credit Union Day celebrates the spirit of the global credit union movement. The day is recognised to reflect upon the credit union movement's history, promote its achievements, recognise hard work, and share member experiences.

      Read More
    • Protect yourself against remote access scams

      Remote access scams try to convince you of a computer or internet problem requiring you to download software or provide access to fix the problem, giving scammers direct access to everything on your computer.

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    • Rental scams

      According to Scamwatch, Australians have lost over $300,000 to rental and accommodation scams this year. Many scammers are using tactics related to the COVID-19 pandemic. These scams target people seeking new rental accommodation by offering fake rental properties to convince people to hand over money or personal information.

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    • Updated terms and conditions - June 2024

      Members are advised of updates to our terms and conditions, effective 11 June 2024.

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    • Helping at Barnardos Australia's Working Bee

      G&C Mutual Bank’s staff members, Catrina and Janine, joined volunteers from other Australian Mutuals to help prepare a property to be used as much needed accommodation for disadvantaged families.

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    • 2023 roadshows commence with Lismore member event

      We are pleased to have restarted our member roadshows, following the challenges of COVID-19 and the impacts of natural disasters over the past few years.

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    • Customer-owned banks most trusted banking sector

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    • Tax scams explained - and how to protect yourself this EOFY

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    • Open Banking

      Open Banking provides greater visibility and control over your banking data, ease of comparison of products offered as well as an easy ability to switch providers.

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    • Barnardos Yurungai Learning Centre: more than just a place to learn

      G&C Mutual Bank actively supports Barnardos Australia via the Australian Mutuals Foundation (AMF). Barnardos Yurungai Leaning Centre is one of the initiatives that we proudly support.

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    • NSW Ambulance Employee of the Month July and August

      We proudly sponsor the NSW Ambulance Employee of the Month Awards, celebrating their staff who go above and beyond for the community.

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    • Congratulations to the NSW Ambulance Employee of the Year 2024

      The Employee of the Year is selected from the 2024 monthly award recipients, we are happy to join NSW Ambulance in congratulating this years’ winner.

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    • Celebrating International Women's Day

      At G&C Mutual Bank, we’re proud of our amazing women who make up 65 percent of our team, with 35 percent in management roles across the business. We invited three inspirational team members from across our business to share their insights on equality in the workplace.

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    • Beware of hacking and malware

      G&C Mutual Bank is a proud partner of Scams Awareness Week. This year’s theme focuses on personal information and identity crime, with the slogan 'Be yourself. Don’t let a scammer be you.' The campaign raises awareness of common scam types such as hacking and malware.

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    • Refuse remote access scams

      Scams Awareness Week raises awareness of scams that may affect you, such as remote access scams. Scammers design these scams to gain access to your computer and steal your personal details.

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    • Scamwatch radar alert: COVID-19 pandemic scams

      At G&C Mutual Bank, we regularly publish updates from Scamwatch to raise awareness of scams and help keep our members safe. Here’s a Scamwatch alert on COVID-19 scams.

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    • Stay vigilant against scams

      Over the years we have seen a steady rise in financial scams and fraud. It can be hard to spot scams but here are some steps you can follow that might help you to recognise a scam.

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    • Happy International Women's Day 2023

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    • Banking on a bolder future

      From 18 - 20 April, G&C Mutual Bank Board Chair Steve Helmich and CEO Rosanna Argall joined over 200 representatives at the 14th Global Alliance for Banking on Values (GABV) Annual Meeting.

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    • NSW Ambulance Employees of the Month September - November

      NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for September, October and November 2023.

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    • Australian businesses unite against financial abuse

      We are proud to be one of the 21 Australian businesses part of the respect and protect initiative designed to disrupt the rise of financial abuse in Australia.

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    • Launch of our Elder Financial Abuse Guide

      Our new Elder Financial Abuse Guide is designed to help you protect yourself or someone you love from elder financial abuse.

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    • Cyber security is everyone’s business

      This Cyber Security month, G&C Mutual Bank has shared some useful tips to help you stay safe online.

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    • Card Fraud

      G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot card fraud and how to get help.

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    • Platinum Visa Credit Card

      Enjoy the flexibility of a premium Visa Credit Card including Qantas Points on eligible purchases and access to Platinum Visa Concierge.

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    • What is elder financial abuse?

      Elder financial abuse is increasing, and instances of this crime are predicted to rise as our population ages. Those over the age of 50 are most at risk but it can happen to anyone – including you.

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    • Privacy Awareness Week 2025

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    • World Elder Abuse Awareness Day 2025

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    • PayID FAQ

      Make real time payments easily using PayID. Read our Frequently Asked Questions to learn more.

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    • Stay Smart Online Week 2019

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    • Cancer Council Daffodil Day Appeal 2022

      The Cancer Council of Australia host a yearly fund-raising appeal, aimed at sourcing much needed resources, that are used to fund life-changing breakthroughs in cancer research

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    • Scams Awareness Week 2022

      Scams Awareness Week 2022 provides useful information about empowering people to learn how to spot a scam.

      Read More
    • Cyber Security Awareness Month 2022

      Cyber Security Awareness Month is an annual reminder for all Australians to stay secure online. Find out how you can protect yourself online.

      Read More
    • Protect yourself online with a strong password

      Protect yourself online with a strong password. At G&C Mutual Bank the security of our members is one of our key priorities. Find out how to keep yourself safe.

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    • Don't fall for romance and dating scams

      Romance and dating scams are, arguably, the most deceptive scams as the ‘imposter’ usually forms a close bond with their victim. The scammer will play with their victim’s emotions and gain their trust before taking their money and leaving them heartbroken.

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    • Card Security

      G&C Mutual Bank is committed to combatting fraud with our information and tips to help keep your credit card and debit card secure.

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    • NSW Ambulance Employee of the Month recipients July - November 2022

      As the proud sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce the recipients for the second half of 2022.

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    • Cash Passport

      If you are planning a trip overseas, a Cash Passport Platinum Mastercard is a smart and secure way to manage your travel money.

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    • Apple Pay FAQ

      Apple Pay with G&C Mutual Bank. Read our Frequently Asked Questions.

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    • Our team's tips for sustainability

      Our staff members are not just passionate about helping others, some also want to make a difference by supporting a sustainable lifestyle. Bernadette and Janine from our marketing team share their tips for sustainable living.

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    • World Elder Abuse Awareness Day 2023

      The UN designated 15 June, as World Elder Abuse Awareness Day. The National Elder Abuse Prevalence Study suggests that one in six older Australians experienced elder abuse each year.

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Your search results for "first home loan deposit scheme"

  1. G&C Mutual Bank appointed to First Home Loan Deposit Scheme lending panel

    The Federal Government’s National Housing Finance and Investment Corporation (NHFIC) announced today that G&C Mutual Bank (G&C) has been appointed to the lending panel for the Federal Government’s First Home Loan Deposit Scheme (the Scheme). G&C will commence funding Government-guaranteed loans from 1 February, 2020.

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  2. Home Guarantee Scheme

    G&C Mutual Bank offer loans under the Australian Government's Home Guarantee Scheme, helping eligible first home buyers purchase a home with a smaller deposit.

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  3. How to save for your first home

    Buying your first home can be daunting, but with the right planning, you might be holding the keys to your dream home sooner than you think.

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  4. First Home Buyer Loan - Owner Occupied

    Take control of your first home purchase with our First Home Buyer Loan. A low variable rate home loan with an offset account. Apply online today.

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  5. Introducing HomeBuilder

    HomeBuilder is a $25,000 tax-free grant for eligible owner-occupiers, including first time buyers, to build a new home or substantially renovate an existing home.

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  6. Victorian Homebuyer Fund

    The Victorian Homebuyer Fund helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

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  7. How home loan pre-approval can help you

    Navigating the home buying process can be challenging and overwhelming, at times, but obtaining pre-approval from your lender can help you get started. As well as giving you an indication of your borrowing power, it can help give you the confidence to make an offer on a property.

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  8. Regional First Home Buyer Guarantee

    The Regional First Home Buyer Guarantee (RFHBG) helps eligible buyers with a smaller deposit buy a home. Enquire today.

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  9. First Home Guarantee

    The First Home Buyer Guarantee (FHBG) helps eligible first home buyers with a smaller deposit buy a home. Enquire with our team today.

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  10. The real costs of buying a home

    It’s easy to get caught up in the excitement of buying a home, but, unlike most of your purchases, there will be costs in addition to the price tag that you will need to consider carefully. So, before you call your removalists here’s what to expect.

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  11. First Home Buyer FAQ

    Buying your first home can be daunting, but we’re here to help you achieve your home ownership dreams. Read our Frequently Asked Questions.

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  12. First Home Buyer Guide

    Our First Home Buyer Guide helps members understand important information about buying your first home. Our friendly team is always happy to help.

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  13. Family Home Guarantee

    The Family Home Guarantee (FHG) supports eligible buyers with a smaller deposit to purchase a home. Enquire with our team today.

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  14. Sitemap

    Explore the G&C Mutual Bank website. It's your bank, because you own it.

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  15. Home loan glossary

    Our glossary helps you understand various financial jargon relating to home loans, so that you can navigate though the process.

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  16. Financial resolutions for 2021

    The start of a new year is the perfect time to reflect on your financial position and set goals for what you would like to accomplish. Here are five common financial goals and tips to help you achieve them.

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  17. Canstar 2023 recognition of our First Home Buyer Loan

    Canstar 2023 Awards Best First Home Buyer Loan awarded to G&C Mutual Bank. The award recognises institutions offering outstanding value home loans as well as additional services

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  18. Saving for your deposit: how to get there faster

    Buying a home is a major commitment and saving for a deposit is likely to be your biggest challenge. Saving the ideal 20 percent of a property’s value can seem near impossible, however, there are ways you can maximise your savings to get there faster.

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  19. Winner of three RateCity Home Loan Awards

    G&C Mutual Bank is delighted to have received three Gold Awards as part of the inaugural RateCity Home Loan Awards including Small Deposit Home Loan, Packaged Home Loan and Investor 3 Year Fixed Home Loan.

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  20. Target Market Determinations

    A target market determination (TMD) is a document, per product, describing who the product may be suitable for and related conditions for usage.

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  21. Understanding Lenders Mortgage Insurance

    Learn about how Lenders Mortgage Insurance can help you to achieve your property dreams.

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  22. Know your first home loan

    Finding the right home loan for your circumstances could help you get into the property market sooner. Here are some common home loan features.

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  23. First home buyers - is now the time to buy?

    Is now the right time for you to take the leap into homeownership? Here are some of the factors to consider when buying your first home.

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  24. Canstar's Customer Owned Bank of the Year – First Home Buyer 2023-2024

    It is with pride that we announce that G&C Mutual Bank has secured Canstar's First Home Buyer Award for the second year in a row

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  25. Buy my first home

    If you are a first home buyer, G&C Mutual Bank is here to support you buy your first home.

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  26. Supporting retirees with our Retirees Access Home Loan

    G&C Mutual Bank developed the Retirees Access Home Loan to support retirees who wish to maintain a comfortable lifestyle while remaining in their own home.

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  27. Buy a home

    If you are looking to buy a home, G&C Mutual Bank is here to support you on your home ownership journey.

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  28. Home Page

    Discover G&C Mutual Bank. It’s your bank, because you own it. Enquire about our home loans, personal loans, credit cards, term deposits or savings accounts. We're ready to help you.

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  29. Momentum Home Loan wins in the 2024 RateCity Gold Awards

    For the second year in a row, G&C Mutual Bank’s Momentum Home Loan was recognised in the RateCity Gold Awards.

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  30. Momentum Home Loan wins 5 RateCity 2023 Gold Awards

    We’re excited to announce that our Momentum Home Loan has won five awards in RateCity’s 2023 Gold Awards.

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  31. Living our values

    Our culture is underpinned by our values. We strive to live these values in all aspects of our work. We proudly share one member's feedback of her experience with us.

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  32. Victorian Homebuyer Fund FAQ

    Find answers to frequently asked questions about the Victorian Homebuyer Fund.

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  33. InfoChoice Home Loan Lender of the Year again!

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  34. Thank you, Dave!

    During Dave Taylor’s 11-year tenure as CEO, G&C Mutual Bank has achieved an outstanding turnaround in financial performance. On his retirement, we look back at some of these achievements.

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  35. Mozo Experts Choice Awards success: Home Loans

    The Mozo Experts Choice Awards highlight Australia’s best financial products and we are delighted to have received the three awards for our First Home Loan Premium Package across three categories.

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  36. Award-winning support for essential workers

    G&C Mutual Bank’s Essential Worker Home Loan has been announced as winner of the 2024 Finder Innovation Award in the Social Impact Innovation category.

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  37. Our Momentum Home Loan named Best of the Best 2022

    Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2022.

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  38. G&C Mutual Bank win 2023 Mozo Experts Choice Awards

    G&C Mutual Bank has been recognised for excellent value home loans in the 2023 Mozo Experts Choice Awards.

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  39. G&C Mutual Bank Wins 3 Canstar Awards

    We're excited to announce G&C Mutual Bank has received three Canstar Outstanding Value Home Loan Awards.

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  40. First Home Owner Grant

    The First Home Owner Grant (FHOG) is a government initiative which offers financial assistance to eligible first home buyers. Enquire about the Grant today.

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  41. Announcement of Special Financial Support Measures

    On behalf of the G&C Mutual Bank Board and all G&C staff, I would like to extend our warmest thoughts and support to all members as you and your families grapple with the direct and indirect consequences of the COVID-19 virus.

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  42. Our Momentum Home Loan named Best of the Best 2021

    Our Momentum Home Loan has been named Money magazine’s Best Value Flexible Home Loan Bank Product 2021.

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  43. Refinance with an award-winning home loan

    G&C Mutual Bank has been announced as the winner of Canstar’s Customer Owned Bank of the Year - Home Loan Refinance Award.

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  44. A step-by-step guide to buying an investment property

    Investing in property can involve a number of steps. This brief guide runs through everything you might need to know.

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  45. Buy my first home

    If you are looking to buy your first home, G&C Mutual Bank is here to support you on your home ownership journey.

    Read More
  46. InfoChoice 2020 Home Loan Lender of the Year

    We’re delighted to announce that G&C Mutual Bank has been awarded InfoChoice Home Loan Lender of the Year in the Customer Owned Category. In addition to this award, G&C Mutual Bank has also been recognised for four other InfoChoice awards with three products.

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  47. Winner of the 2024 Finder Home Loan Award for Best Investor IO Variable Home Loan

    G&C Mutual Bank’s Momentum Home Loan - LVR 60 to 80% Special Offer (Investor, IO) won the 2024 Finder Award for Best Investor IO Variable Home Loan.

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  48. Advantage Home Loan - Owner Occupied

    Purchase your next home with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

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  49. Advantage Home Loan - Property Investor

    Purchase your next investment with our Advantage Home Loan. Offering a competitive variable rate with an optional offset account. Apply online today.

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  50. Understanding offset and redraw features

    Offset and a redraw features can help you save on interest and pay off your home loans faster.

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  51. Fixed Rate Home Loan – Property Investor

    The security of a fixed rate, providing property investors with the certainty of knowing your home loan repayments won't change during the fixed rate period.

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  52. Home Loans

    G&C Mutual Bank has a range of home loans to choose from and we’re ready to support you on your home ownership journey.

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  53. The importance of insurance for your assets

    We understand that for most of our members, the purchase of property and other assets are significant financial investments, so it is important to safeguard those assets. Having insurance in place for these assets can provide peace of mind...

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  54. HomeBuilder update

    The Federal Government’s HomeBuilder initiative has been extended until 31 March 2021, but the amount of the grant will be reduced.

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  55. Essential Worker Home Loan

    Discover our Essential Worker Home Loan. A low variable rate home loan with an offset account, designed to support essential workers to own their own home.

    Read More
  56. More RateCity Gold Award success

    G&C Mutual Bank is delighted to have received two Gold Awards as part of the inaugural RateCity Personal Loan and Car Loan Awards.

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  57. G&C Interest Rate Changes - March 2020

    G&C has undertaken a comprehensive review of the rates charged on our variable rate home loans and our savings/deposit products. With home loan rates already at historic lows, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

    Read More
  58. G&C Mutual Bank Interest Rate Changes October 2019

    Interest Rate Changes October 2019 | G&C Mutual Bank

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  59. Fixed Rate Home Loan – Owner Occupied

    The security of a fixed rate, providing owner occupiers with the certainty of knowing your home loan repayments won't change during the fixed rate period.

    Read More
  60. G&C Interest Rate Changes - 15 July 2019

    G&C has undertaken a comprehensive review of interest rates charged on our home loans and savings/deposit products.

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  61. G&C Interest Rate Changes

    G&C has undertaken a comprehensive review of rates charged on our variable rate loan and savings/deposit products. With the RBA Cash Rate and overall market rates now falling to a further historic low, our priority at G&C has been to implement equitable rate changes that strike a fair balance between the competing needs of our borrowing and depositing members.

    Read More
  62. Buying vs. renting

    Deciding whether to buy a property or continue renting is rarely a simple choice. Housing affordability, your lifestyle and investment goals are all factors to consider when weighing up the advantages and disadvantages of buying or renting.

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  63. Financial Claims Scheme

    The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society or credit union fails.

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  64. How a reverse mortgage could help you

    Your home is likely to be your greatest asset, and if you are ‘asset rich’ but ‘cash poor’ you can borrow money using the equity in your home as security. This is called a reverse mortgage and it can be a great way to boost your finances for retirement, depending on your circumstances.

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  65. Get Ahead Start Guarantor Option

    Get Ahead Start with our Guarantor Option, allowing a family member to offer suitable security as part of the home loan to help you purchase your first home.

    Read More
  66. Refinance my loan

    If you are looking to refinance your home loan, G&C Mutual Bank is here to support you with a Home Loan Health Check.

    Read More
  67. Get a personal loan

    If you are looking for a personal loan, to buy a car, go on a holiday or consolidate your debts, G&C Mutual Bank is here to help.

    Read More
  68. Essential Worker Home Loan wins Mozo Experts Choice Awards 2025

    G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, securing a total of four Mozo Experts Choice Awards for 2025. The bank’s Essential Workers Home Loan has been awarded in 3 categories.

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  69. Home Loan Key Fact Sheet

    Our Home Loan Key Fact Sheet helps members understand important information about home loans. Our friendly team is always happy to help.

    Read More
  70. Our Personal Loan receives a RateCity Gold Award 2022

    Our Fair Rate Personal Loan has made its mark, being recognised with a Gold Award 2022 from RateCity within the Excellent Credit Personal Loan category.

    Read More
  71. Retirees Access Home Loan

    Unlock the equity in your home with our Retirees Access Home Loan, specifically designed to assist those who have reached, or are nearing, retirement age.

    Read More
  72. Bridging Loan – Owner Occupied

    Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

    Read More
  73. Home Buyer Guides

    Our Home Buyer Guides helps members understand important information about buying their home. Our friendly team is always happy to help.

    Read More
  74. Thinking about refinancing?

    If you purchased your home a few years ago, your lifestyle, family or financial situation may have changed, so refinancing can be worth considering.

    Read More
  75. Our Personal Loan recognised with industry awards

    G&C Mutual Bank's Fair Rate Personal Loan has again been recognised by Mozo Experts Choice and Canstar for its great value. We are delighted to receive this recognition from industry experts within such a competitive market.

    Read More
  76. Personal loan glossary

    Our glossary helps you understand financial jargon relating to personal loans, so that you can navigate though the process. We're here to help

    Read More
  77. G&C Interest Rate Changes – June 2023

    Following the RBA’s announcement on 6 June to increase Australia's cash rate, we have made the decision to raise variable home loan and savings interest rates by up to 0.25%p.a.

    Read More
  78. Our awards

    G&C Mutual Bank products continue to be independently recognised for their great value, flexibility and innovative features.

    Read More
  79. Canstar’s 2022 Home Loan Refinance Awards

    We're excited to announce G&C Mutual Bank has received Canstar's 2022 Customer-Owned Bank of the Year – Home Loan Refinance Award.

    Read More
  80. Mozo Experts Choice Award Wins 2022

    G&C Mutual Bank have been recognised by Mozo Experts Choice for the Used Car Loan awards on our Fixed Rate Car Loan, and for Excellent Credit Secured Personal Loan awards on our Fair Rate Personal Loan.

    Read More
  81. Momentum Home Loan - Owner Occupied

    You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

    Read More
  82. How to consolidate your debt

    Debt consolidation can help you take control of your debts by combining them into one loan with one regular repayment.

    Read More
  83. Momentum Home Loan - Property Investor

    You might be looking to consolidate your debts, unlock the equity in your home, or just searching for a better deal. Refinance with our Momentum Home Loan.

    Read More
  84. G&C Interest Rate Changes – May 2022

    Read More
  85. Bridging Loan – Property Investor

    Designed to bridge the gap for up to 12 months, providing the funds you need to buy your new home before your current property is sold.

    Read More
  86. Fixed Rate Car Loan

    Found your dream car? G&C Mutual Bank can help you drive away with your dream car loan with our Fixed Rate Car Loan.

    Read More
  87. Mobile Lenders

    Our mobile lenders will come to you – book a home or workplace visit now.

    Read More
  88. Term Deposit FAQs

    Read our Frequently Asked Questions.

    Read More
  89. Thinking about renovating?

    You may love watching television renovation shows, but in reality renos are hard work, expensive and not always appropriate. Here are eight tips to help you make smart renovation decisions.

    Read More
  90. Essential Worker Home Loan Member Survey

    Our members have a say in our future. We welcome your feedback, ideas and suggestions.

    Read More
  91. Build or renovate

    If you are looking to build or renovate, G&C Mutual Bank is here to support you with our range of home loan offerings.

    Read More
  92. Five common reverse mortgage myths

    Our Retirees Access Home Loan is a variable rate reverse mortgage. To help you better understand this product, we're debunking five of the most common reverse mortgage myths.

    Read More
  93. Term Deposit Calculator

    Use G&C Mutual Bank's Term Deposit Calculator to calculate interest earned over a period of time and see what you can save.

    Read More
  94. G&C Interest Rate Changes – May 2023

    Following the Reserve Bank of Australia’s announcement on 2 May to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise variable home loan interest rates by up to 0.25%p.a.

    Read More
  95. G&C Interest Rate Changes – November 2023

    Following the RBA’s announcement on 7 November to increase Australia's cash rate, we have made the decision to raise variable home loan interest rates.

    Read More
  96. Finder Award Methodology

    Read More
  97. G&C Mutual Bank recognised in Canstar's Outstanding Value Home Lender 2025 Awards

    G&C Mutual Bank has been recognised once again for its commitment to delivering outstanding value to Australian borrowers, in Canstar's Outstanding Value Home Lender Awards.

    Read More
  98. Get started on your bucket list locally

    As a result of COVID-19 restrictions, we are spending more time at home, with overseas and interstate travel likely to be impacted for the foreseeable future. The pandemic has also been a time to take stock and reflect on what is important. Given this, now might be the perfect time to tackle the things you’ve been thinking about doing, and spending locally. Your local bucket list has never been more important for helping small businesses and communities recover from months of lost income.

    Read More
  99. Loans

    G&C Mutual Bank has a range of loans to help you buy a home, achieve your goals or cover unexpected expenses.

    Read More
  100. Reverse Mortgage

    Unlock the equity in your home with our Reverse Mortgage option, specifically designed to assist those who have reached or are nearing retirement.

    Read More
  101. Anzac Day Biscuits

    Read More
  102. More awards for G&C Mutual Bank's outstanding products

    More awards for G&C Mutual Bank's outstanding products

    Read More
  103. Momentum Refinance OO Google

    Make your move with our Momentum Home Loan refinance special.

    Read More
  104. Buy my next home

    If you are looking to buy your next home, G&C Mutual Bank is here to support you on your home ownership journey.

    Read More
  105. Momentum Refinance OO RateCity Campaign

    Make your move with our Momentum Home Loan refinance special.

    Read More
  106. Momentum Refinance OO Google Campaign

    Make your move with our Momentum Home Loan refinance special.

    Read More
  107. Momentum Refinance OO Finder

    Make your move and refinance now with our Momentum Home Loan refinance special.

    Read More
  108. Achieve your savings goals with these quick tips

    Learn about our award winning Term Deposits and Savings Accounts and achieve your savings goals with our useful savings tips.

    Read More
  109. Business Vehicle Loan

    Business Car Loan specifically designed to help business owners save time and manage cashflow on the purchase of a new or used vehicle.

    Read More
  110. Refinancing FAQ

    Considering refinancing your home loan? Perhaps your circumstances have changed or you’re just looking for a better deal? Read our Frequently Asked Questions.

    Read More
  111. A win in RateCity's 2023 Gold Awards

    G&C Mutual Bank's Fair Rate Personal Loan has won RateCity's 2023 Gold Award for Best Excellent Credit Personal Loan.

    Read More
  112. Tidy up your finances

    When we think of tidying up, we would usually think of cleaning up our home or office, but tidying up our finances regularly is also an important task.

    Read More
  113. Invest in property

    If you are looking to invest in property, G&C Mutual Bank is here to support you with our range of home loan offerings.

    Read More
  114. Property Investment FAQ

    Investing in property could be a great way to build your wealth for your financial future. We’re ready to help. Read our Frequently Asked Questions.

    Read More
  115. Term Deposits

    Secure your savings goals with a term deposit. Enjoy fixed return and interest rate with terms ranging from 30 days to 5 years with as little as $1000.

    Read More
  116. Refinance - Owner Occupied

    If you are looking to refinance your owner occupied home loan, G&C Mutual Bank is here to support you, offering a range of home loans.

    Read More
  117. Refinance - Property Investor

    If you are looking to refinance your property investment loan, G&C Mutual Bank is here to support you, offering a range of home loans.

    Read More
  118. Save for a goal

    Knowing what your savings goals are and developing a savings plan can help you achieve them sooner.

    Read More
  119. Forms

    Apply, contact or enquire online at a time and place that suits you using G&C Mutual Bank’s online forms. We’re ready to help you.

    Read More
  120. Fixed Business Loan Secured

    G&C Mutual's Fixed Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

    Read More
  121. A double win in the 2023 Mozo Experts Choice Awards

    G&C Mutual Bank’s double win for term deposits in the 2023 Mozo Experts Choice Awards

    Read More
  122. Mozo recognises our term deposits for a second year

    G&C Mutual Bank’s double win for term deposits in the 2024 Mozo Experts Choice Awards

    Read More
  123. Cost considerations when buying a car

    You’ve got your eye on a car and you’re ready to purchase it for that fantastic driveaway price. It’s important to understand the costs before you drive off into the sunset.

    Read More
  124. Apply Online

    You can apply online for a number of G&C Mutual Bank products and services at a time and place that suits you.

    Read More
  125. Variable Business Loan Secured

    G&C Mutual's Variable Rate Commercial Loan is specifically designed for members looking for long term funding for their business. Enquire today.

    Read More
  126. Need a holiday?

    It has probably been a few years since some of us have had the opportunity to be able to truly get away for a holiday, due to the pandemic, border closures, and lockdowns. Whether you are considering a holiday locally, interstate, or overseas, we could help make your holiday dream a reality.

    Read More
  127. Fair Rate Personal Loan

    G&C Mutual Bank's Fair Rate Personal Loan can help to fund holidays and travel, buying a car or debt consolidation.

    Read More
  128. Guarantees and guarantors FAQ

    Deciding to be a guarantor on a home loan can be daunting, but we’re here to help you. Read our Frequently Asked Questions to learn more.

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  129. Could debt consolidation help you?

    No-one wants to start the new year with a Christmas debt hangover. You may have resolved to get your debt under control, and debt consolidation could be a smart way to achieve this.

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  130. Publications

    Keep across the latest news and information from G&C Mutual Bank.

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  131. Loan Comparison Calculator

    Compare loans with our Loan Comparison Calculator to see what loan suits your financial needs.

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  132. G&C Interest Rate Changes – February 2025

    G&C have made the decision to decrease interest rates for variable rate home loans and savings accounts.

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  133. Calculators

    Use our wide range of calculator tools to estimate how much you can borrow, plan ahead with loan repayments or develop a savings plan.

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  134. Start planning your escape

    With international travel restrictions likely to be in place for some time, you may be dreaming of a local escape as soon as it's safe to travel. If you're planning to load up the camper van, here are five iconic Australian road trips to inspire you.

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  135. Budgeting for beginners

    Budgeting is a key component to your financial health. Make the most of your money with G&C Mutual Bank.

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  136. Loan Repayment Calculator

    Use G&C Mutual Bank's Loan Repayment Calculator to calculate how much your loan repayments will be.

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  137. Car loan FAQ

    A car loan could help you drive away your dream car sooner. Read our Frequently Asked Questions.

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  138. Mortgage Offset Account

    Enjoy the flexibility of an offset account like an everyday transaction account, where the balance offsets what is owed on your eligible home loan.

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  139. Split Loan Simulator

    Use G&C Mutual Bank's Split Loan Simulator to calculate your repayments.

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  140. Car Loan

    Use G&C Mutual Bank's Car Loan Calculator to estimate your monthly car loan repayments so you can drive away in your dream car sooner.

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  141. Personal loan FAQ

    A personal loan could help you buy a car, go on holiday or consolidate your debts. Read our Frequently Asked Questions.

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  142. Mortgage Offset FAQ

    Learn more about about making real time payments easily using PayID with our Frequently Asked Questions.

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  143. Interest Rate Change – May 2025

    On Tuesday 20 May 2025, the Reserve Bank of Australia (RBA) announced a decrease of 0.25%p.a. to the official cash rate. Following this, we have reviewed the interest rates applicable to our variable rate home loans and advise that the rates for existing mortgage holders will decrease by 0.25%p.a., effective from 1 June 2025.

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  144. Debt consolidation FAQ

    Take control of your debts by consolidating them into one loan with one regular repayment. Read our Frequently Asked Questions.

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  145. Canstar Customer Owned Bank of the Year – Term Deposits 2023 winner

    G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

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  146. Canstar's Customer Owned Bank of the Year – Term Deposits 2024

    G&C Mutual Bank named Canstar's Customer Owned bank of the Year - Term Deposits, for 2024.

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  147. Canstar Customer Owned Bank of the Year – Term Deposits 2025 winner

    G&C Mutual Bank wins Canstar's Customer Owned bank of the Year - Term Deposits award

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  148. Retirees FAQ

    A reverse mortgage allows you to borrow money using the equity in your home as security. Read our Frequently Asked Questions.

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  149. Business Equipment Loan

    Our Business Equipment Loan is specifically designed to assist business owners finance equipment without tying up valuable capital.

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  150. Ten tips for Christmas on a budget

    It’s the most wonderful time of the year according to Andy Williams. However, this year may be a bit different, with many Australians planning a simpler Christmas. Here are some easy ways to have a wonderful Christmas on a budget (without being a scrooge).

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  151. Business Banking

    Business Banking services are designed to put you in control of your business transactions and payroll processing online.

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  152. Business Overdraft

    Our Business Overdraft is a flexible way to access funds quickly and easily to manage your everyday business expenses. Enquire today.

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  153. Buy a car

    If you are looking to buy a car, G&C Mutual Bank is here to support you, so you can hit the open road.

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  154. 65 years of banking on your community

    As G&C Mutual Bank marks its 65th anniversary in 2024, it’s an opportunity to reflect on a remarkable journey of growth, resilience, and unwavering commitment to members.

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  155. Footer Content

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  156. XERO Accounting Package

    Xero provides accounting solutions for our members directly or through their nominated accounting firms on behalf of members. Enquire today.

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  157. Banking Guides

    Banking guides and step by step demonstrations to help you register for, and best utilise, our banking services. We’re ready to help.

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  158. Bank@Post

    G&C Mutual Bank members can use the Bank@Post service to make a deposit or withdraw cash from an Australia Post Office near you. Charges apply.

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  159. EOFY deals on wheels

    It’s that time of year when many car dealers are busy promoting EOFY deals and, with a soft start to sales this year, you could potentially find a great bargain. Here are six tips to help you make the most of these deals on wheels.

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  160. Deceased Estate FAQ

    Our deceased Estate Frequently Asked Questions regarding how we can assist you through the process of managing your loved one’s banking affairs.

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  161. Personal Loan

    Use G&C Mutual Bank's Personal Loan Calculator to estimate how much you can borrow and what your loan repayments will be.

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  162. 8 ways G&C could help with your banking needs

    Our commitment to you has always been a priority. Here are some ways we could help with your banking needs.

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  163. Banking on Values Day 2024

    This Banking on Values Day 2024, we explore how G&C Mutual Bank is Transforming Banking, Transforming Lives.

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  164. Fair Rate Personal Loan Offer Canstar

    Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  165. NSW Ambulance Employees of the Month Jan - June 2023

    NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for the first half of 2023.

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  166. G&C Interest Rate Changes – June 2022

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  167. G&C Interest Rate Changes – August 2022

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  168. G&C Interest Rate Changes – November 2022

    Following this decision to increase Australia's cash rate we have made the decision to raise interest rates for both borrowers and depositors.

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  169. G&C Interest Rate Changes – February 2023

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate on 7 February 2023, we have made the decision to raise interest rates for borrowers and depositors.

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  170. G&C Interest Rate Changes – March 2023

    Following the Reserve Bank of Australia’s recent announcement to increase Australia's cash rate, G&C Mutual Bank have made the decision to raise interest rates by up to 0.25%p.a. for both borrowers and depositors.

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  171. How to get the most out of your finances with G&C during these uncertain times

    As we all try to navigate our way through uncertain times, we’ve put together a few tips and some information on our various products and services that may help you make the most of your finances during these uncertain times and provide some comfort and relief.

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  172. Mutual Value Measurement Accreditation

    G&C Mutual Bank is pleased to be the first financial institution globally to be accredited under the Mutual Value Measurement Framework.

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  173. Online Banking

    G&C Mutual Bank offers convenient, secure and simple banking online so members can access their money at a time, and in a way that suits them.

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  174. Retire

    G&C Mutual Banks Reverse Mortgage is designed for those who have reached, or are nearing, retirement age and looking to unlock the equity in their own home.

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  175. Public APIs

    Use our Public APIs to access non-member specific information such as available products including deposit and transaction accounts and credit cards.

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  176. G&C's approach to coronavirus (COVID-19)

    The novel coronavirus (COVID-19) outbreak is evolving in Australia and the spread of the virus will no doubt continue to impact both the community and economy. Our philosophy is to focus on the health and wellbeing of our people, our members and our communities as our first priority, and to take an informed approach that is sensible, balanced and respectful of all.

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  177. G&C Interest Rate Changes – September 2022

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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  178. Fair Rate Personal Loan Canstar

    Our Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  179. MoneyMax

    Achieve your savings goal faster with our MoneyMax online savings account, offering higher returns than a standard savings or transaction account.

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  180. Open a savings account

    G&C Mutual Bank has a range of savings accounts and term deposits to help you spend or save, the way you want.

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  181. Is debt consolidation an option?

    The end of the year can always feel overwhelming, particularly from a financial perspective. The commencement of a new year will hopefully bring you feelings of a ‘fresh start’ and your approach may begin with reviewing financial expenses. If you are wanting to get your debt under control, debt consolidation may be a way to achieve this.

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  182. Fair Rate Personal Loan RateCity

    Our award-winning Fair Rate Personal Loan can help to fund holidays so you can satisfy your wanderlust.

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  183. Membership and account closure FAQ

    When you need to close one of your your accounts, we’re here to help you. Read our Frequently Asked Questions.

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  184. Bank Guarantee

    Keep your cash to run and grow your business with our Bank Guarantee, to ensure payments to your suppliers are met without tying up working capital.

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  185. G&C Interest Rate Changes – July 2022

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  186. Digital Cards

    Manage your G&C Mutual Bank digital card from within our Mobile App. Add it to your Digital Wallet to pay in store.

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  187. Launch of recycled PVC debit and credit cards

    G&C Mutual Bank launches recycled PVC debit and credit cards as part of our commitment to a more sustainable future for our members and their communities.

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  188. International Credit Union Day

    International Credit Union Day, Thursday 17 October, celebrates the spirit of the global credit union movement.

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  189. Your Bank Your News - April 2020

    The latest edition of our newsletter Your Bank Your News is now available. This issue features insightful articles including our CEO Update, Special financial support measures, How to manage your banking from home, and more.

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  190. Investing in your relationship

    We invest so much time and emotion in our romantic relationships that financial matters can be neglected. If you're planning a future together, it's important to understand each other’s attitudes to money sooner rather than later.

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  191. Understanding financial literacy: A foundation for your future

    Financial literacy is important to help people manage their money wisely and avoid the stresses of financial insecurity. 

    Read More
  192. National NAIDOC Week 2025

    National NAIDOC Week 2025: Celebrating culture, history, and achievement

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  193. Savings & Investments

    We have a range of savings accounts and term deposits to help you spend or save, the way you want.

    Read More
  194. Extra Repayment Calculator

    Use G&C Mutual Bank's Extra Repayment Calculator to estimate how much your loan repayments will differ if you make extra loan repayments.

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  195. Lump Sum Repayment Calculator

    Use G&C Mutual Bank's Lump Sum Repayment Calculator to understand how your loan repayments will differ if you make lump sum loan repayments.

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  196. Cooperatives build a better future for all

    On the International Day of Cooperatives, we reflect on the contributions from cooperatives in building a sustainable future.

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  197. Taxing times: what’s the shortcut method?

    Did you know that the Australian Taxation Office (ATO) have introduced a temporary shortcut method, which may help you calculate your deductible work-related expenses with minimal record keeping requirements?

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  198. Your Bank Your News - Winter 2020

    The latest edition of Your Bank Your News is now available.

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  199. Relief for members impacted by NSW Mid North Coast flooding

    As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us most and we stand ready to help members directly impacted by this weather event with a number of support measures. Find out more.

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  200. National Reconciliation Week: Bridging Now to Next

    National Reconciliation Week (NRW), held annually from 27 May to 3 June, is a significant time for all Australians to reflect, learn, and engage in the journey toward reconciliation.

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  201. G&C Interest Rate Changes – October 2022

    Following the Reserve Bank of Australia (RBA)'s decision to increase Australia's cash rate we have made the decision to raise interest rates for borrowers.

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  202. Service Centres

    Visit your local G&C Mutual Bank Service Centre, with locations across New South Wales and in Melbourne.

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  203. Board of Directors

    Our Board of Directors is responsible for the overall governance, management and strategic direction of G&C Mutual Bank.

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  204. Break Cost Fee

    Learn more about how a Break Cost Fee (BCF) may be payable if you make repayments additional to your scheduled repayments.

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  205. How to spring clean your finances

    How to spring clean your finances in six easy steps

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  206. International Nurses Day

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  207. Banking on Values Day 2023

    We are proudly an Associate Member of the GABV and celebrate Banking on Values Day 2023. Learn about values-based banking and how we 'Think Bolder'.

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  208. Computer takeover scams on the rise

    At G&C Mutual Bank, we regularly share updates from the Australian Competition and Consumer Commission (ACCC) to help you recognise common scam threats and stay safe online.

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  209. Online Banking FAQ

    Banking Online is convenient, secure and simple. Read our Frequently Asked Questions.

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  210. Relief for members impacted by Tropical Cyclone Alfred

    As a member owned bank with a regional footprint, we understand the importance of helping our communities at a time when they need us the most and we stand ready to help members directly impacted by Tropical Cyclone Alfred with a number of special support measures.

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  211. Transaction disputes FAQ

    When you need to dispute a transaction, we're ready to help you. Read our Frequently Asked Questions to learn more.

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  212. Financial hardship FAQ

    We understand that at times you can find yourself in a vulnerable financial position and we're ready to help you. Read our Frequently Asked Questions.

    Read More
  213. Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

    Disaster Relief for Members affected by floods in Southeast Queensland and Northern Rivers

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  214. Samsung Pay FAQ

    Samsung Pay is an easy and secure way to manage contactless payments in store and online from your compatible Samsung products.

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  215. Personal & Car Loans

    G&C Mutual Bank has a range of personal loans to help you achieve your goals or cover unexpected expenses.

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  216. Lismore Service Centre re-opening

    As a proud community-based organisation, we remain committed to our members, staff and the Lismore community. As such, we are pleased to have recently re-opened our new Lismore Service Centre following last year's devastating flood.

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  217. Celebrating International Credit Union Day

    Established in 1959 as the Public Works Department Staff Co-operative, G&C Mutual Bank is proud to be part of a global movement that puts people first.

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  218. Complaints

    You are invited to raise any concern or complaint you may have with G&C Mutual Bank. We will endeavour to understand your concerns and reach a resolution in a fair, prompt and efficient manner.

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  219. Bonus Saver

    G&C Mutual Bank's Bonus Saver can help you save for something special by keeping your savings separated, earning ongoing bonus interest monthly.

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  220. Mobile App FAQ

    Our Mobile App is an easy and secure way to manage your finances on the go. Read our Frequently Asked Questions.

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  221. Preparing for a holiday?

    Whether you are considering a holiday locally, interstate, or overseas, we have a range of products to help make your holiday dream a reality.

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  222. Celebrating Harmony Week: Everyone belongs

    At G&C Mutual Bank, we proudly support diversity and inclusion. We’re celebrating Harmony Week with our team, which includes individuals from over 20 cultural backgrounds.

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  223. Supporting 150 years of mutual banking

    G&C Mutual Bank has strongly endorsed a new campaign which proudly celebrates the ingenuity and ‘can do’ spirit of Australia. Launched by the Customer Owned Banking Association, the campaign focuses on the relationship between hard-working Australians and customer owned banking.

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  224. Hunter Valley Region Service Centre

    G&C Mutual Bank members in Hunter Valley Region can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  225. Our staff share their cost saving tips

    Our staff members are passionate about helping others. We wanted to share with you some of the different cost saving tips some of our staff are doing to help with their every day costs, or reducing their living expenses.

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  226. Inactive accounts FAQ

    These inactive account Frequently Asked Questions are here to help you to reactivate your account before it is deemed inactive or dormant.

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  227. Adelaide Service Centre

    G&C Mutual Bank has a Service Centre located in Adelaide for your convenience. Visit the team, or our mobile lender can come to you.

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  228. Bankstown - Kitchener Parade Service Centre

    G&C Mutual Bank has a Service Centre located in Bankstown for your convenience. Visit the team, or our mobile lender can come to you.

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  229. Bathurst Service Centre (Unity)

    G&C Mutual Bank has a Service Centre located in Bathurst for your convenience. Visit the team, or our mobile lender can come to you.

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  230. Blayney Service Centre

    G&C Mutual Bank has a Service Centre located in Blayney for your convenience. Visit the team, or our mobile lender can come to you.

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  231. Collie Service Centre

    G&C Mutual Bank members in Collie can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  232. Gulargambone Service Centre

    G&C Mutual Bank members in Gulargambone can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  233. Kandos Service Centre

    G&C Mutual Bank members in Kandos can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  234. Melbourne Service Centre (Unity)

    G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  235. Melbourne ETU Service Centre

    G&C Mutual Bank members in Melbourne can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  236. Oberon Service Centre

    G&C Mutual Bank members in Oberon can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  237. Port Kembla Service Centre

    G&C Mutual Bank members in Port Kembla can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  238. Trundle Service Centre

    G&C Mutual Bank members in Trundle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  239. Wyong Service Centre

    G&C Mutual Bank members in Wyong can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  240. Celebrating International Women's Day 2021

    In honour of International Women’s Day, we are celebrating the achievements of our fabulous female executives. We invited Rosanna, Elsbeth, Leigh and Vanessa to share some insights into their career journeys and thoughts on equality in the workplace.

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  241. Resume Application

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  242. Direct debits and recurring payments FAQ

    When you need help with direct debits and recurring payments, we’re ready to help you. Read our Frequently Asked Questions to learn more.

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  243. Accessible and inclusive banking

    G&C Mutual Bank is constantly working towards ensuring our products, services and platforms are available and accessible for everyone.

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  244. Brisbane Service Centre

    G&C Mutual Bank has a Service Centre located in Brisbane for your convenience. Visit the team, or our mobile lender can come to you.

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  245. Moranbah Service Centre

    G&C Mutual Bank members in Moranbah can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  246. Sydney Service Centre (Unity)

    G&C Mutual Bank members in Sydney can transact in person using the services of Unity Bank. Visit the team, or our mobile lender can come to you.

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  247. Fremantle Service Centre

    G&C Mutual Bank members in Fremantle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  248. Newcastle Service Centre (Unity)

    G&C Mutual Bank members in Newcastle can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

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  249. Christmas Saver Account

    Our Christmas Saver Account helps you put money aside for the busy Christmas period to reduce financial stress.

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  250. Supporting the Uluru Statement from the Heart

    G&C Mutual Bank strongly supports the Uluru Statement from the Heart.

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  251. Samsung Pay

    Add your eligible G&C Mutual Bank card to Samsung Pay. Make secure, contactless payments in-store by tapping your supported Samsung device.

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  252. Our Term Deposits are an award winner

    We are delighted to be recognised and acknowledged as the Customer-Owned Bank of the Year Term Deposits award winner for 2022 by Canstar.

    Read More
  253. Discontinuing Cheques

    Resources and support for discontinuation of cheques from 01 Feb 2024

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  254. SMSF Account FAQ

    Learn more about G&C Mutual Bank's Self Managed Super Fund with our Frequently Asked Questions.

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  255. Celebrating Money magazine's Cheapest Standard Credit Card - Bank Product 2020 Award

    G&C Mutual Bank is delighted to have been judged Money magazine’s Cheapest Standard Credit Card - Bank Product 2020 for our Low Rate Visa Credit Card. This is the fourth consecutive year that our Low Rate Visa Credit Card has been chosen for this prestigious award.

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  256. Sydney Service Centre

    G&C Mutual Bank has a Service Centre located in Sydney City for your convenience. Visit the team, or our mobile lender can come to you.

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  257. Bathurst Service Centre

    G&C Mutual Bank members in Bathurst can transact in person using the services of Reliance Bank. Visit the team, or our mobile lender can come to you.

    Read More
  258. Wagga Wagga Service Centre

    G&C Mutual Bank has a Service Centre located in Wagga Wagga for your convenience. Visit the team, or our mobile lender can come to you.

    Read More
  259. Rates & Fees

    Important information regarding G&C Mutual Bank's interest rates, fees and charges, and terms and conditions.

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  260. Newcastle Service Centre

    G&C Mutual Bank has a Service Centre located in Newcastle for your convenience. Visit the team, or our mobile lender can come to you.

    Read More
  261. G&C Interest Rate Changes – January 2023

    G&C Mutual Bank has raised interest rates for depositors on our Term Deposits and a number of Savings Accounts from 16 January 2023.

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  262. Executive Team

    Our Executive Team works with the Board of Directors and is responsible for implementing plans to achieve G&C Mutual Bank's strategic objectives.

    Read More
  263. Take off on a holiday

    If you are looking to go on a holiday, G&C Mutual Bank is here to help with personal loans, foreign currency and travel insurance.

    Read More
  264. Visa payWave FAQ

    Visa payWave is a fast and convenient way to pay using secure, contactless chip technology. Read our Frequently Asked Questions.

    Read More
  265. Are your financial new year resolutions still on track?

    It's been a few weeks since we said goodbye to 2021 and hello to 2022. Here are some helpful banking tools and services that might help to keep your financial new year resolutions on track.

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  266. Two ways to boost your savings as you enter retirement

    As you near or enter retirement, having a reliable income would be a priority for most of us. It makes planning how you are going to enjoy retirement a whole lot easier. At G&C Mutual Bank we have account options to suit different savings goals as well as your everyday spending.

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  267. Banking Help

    Learn more through G&C Mutual Bank's range of Banking Guides, FAQ's and other information on how to register for, and best utilise our banking services.

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  268. Happy International Women's Day

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  269. Closure of Lismore Service Centre due to the current floods

    We will be closing our Lismore Service Centre until further notice due to the current floods.

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  270. Don't be a money mule

    The Australian Federal Police today launched the Don’t be a Mule campaign. This awareness campaign is particularly relevant this time of year when the opportunity to earn some extra cash can be tempting.

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  271. NSW Ambulance Employee of the Month for February 2021

    As the sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce February's recipient: Tegan Groom. Congratulations Tegan!

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  272. COVID-19 update

    At G&C Mutual Bank, we understand that the COVID-19 situation is especially difficult for those impacted by lockdowns, and we aim to minimise disruption to your banking needs.

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  273. Mobile App

    G&C Mutual Bank offers convenient, secure and simple Mobile App so members can access their money at a time, and in a way that suits them.

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  274. Deactivation of Quay Mutual Bank BSB

    Read our Frequently Asked Questions to learn more about the Deactivation of Quay Mutual Bank's BSB

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  275. CPSU Victoria's inaugural Women of Colour Conference

    G&C Mutual Bank was delighted to sponsor the Community and Public Sector Union (CPSU) Victoria’s inaugural Women of Colour Conference, which was held at Melbourne’s Immigration Museum on 28th October 2019.

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  276. Investment Scams

    We are constantly working to keep our members safe with our information and tips to help identify common investment scams and keep you and your money safe.

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  277. Important information regarding the Unity Bank merger

    Preparations are well underway for the merger with Unity Bank and we are committed to supporting members through this transition.

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  278. International Credit Union Day 2022

    G&C Mutual bank is proud to celebrate the 74th anniversary of International Credit Union Day. This year, we gather as a global movement under the theme “Empower Your Financial Future with a Credit Union”.

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  279. Google Pay

    Add your eligible G&C Mutual Bank card to Google Pay. It's a fast, secure and easy way to make payments in-store and online.

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  280. Advance Notice of 2021 Annual General Meeting

    The 2021 Annual General Meeting of G&C Mutual Bank will be held on Wednesday 17 November 2021.

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  281. Advance Notice of 2022 Annual General Meeting

    The 2022 Annual General Meeting of G&C Mutual Bank will be held in November 2022.

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  282. About Us

    G&C Mutual Bank is a different kind of bank, built around a big idea - It’s your bank, because you own it. We are member owned.

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  283. Temporary closure of Sydney and Parramatta Service Centres

    Our Sydney and Parramatta Service Centres are temporarily closed until further notice in line with the NSW Government COVID-19 Public Health Order and lockdown extension.

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  284. InfoChoice's Credit Card Provider of the Year

    G&C Mutual Bank is delighted to have taken the top spot as InfoChoice’s 2021 Credit Card Provider of the Year in the Customer Owned category.

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  285. Financial Hardship

    We understand that unexpected life events can result in financial stress. Please contact us to discuss the options available.

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  286. eStatements FAQ

    Keep across your account activity and register for free and convenient eStatements. Read our Frequently Asked Questions.

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  287. NSW Ambulance Employee of the Month Award for August

    Each NSW Ambulance Employee of the Month Award recognises a staff member who has demonstrated outstanding performance or innovation. As the sponsor of these awards, G&C Mutual Bank is delighted to announce that the recipient for August is David Stubbs.

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  288. Share A Story. Stop A Scam

    Together, we can prevent scammers from stealing your information.

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  289. Advance Notice of 2023 Annual General Meeting

    The 2023 Annual General Meeting of G&C Mutual Bank will be held in November 2023.

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  290. Cyber Security Awareness Month: Personal Cyber Security Guides

    G&C Mutual Bank supports Cyber Security Awareness Month, for which the ACSC has launched a range of Personal Cyber Security Guides to help Australians boost their cyber defences.

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  291. Online Banking security reminder

    With a number of recent cyber-attacks in Australia and the increasing prevalence of scams, we wanted to take this opportunity to again remind members to be vigilant when banking online.

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  292. Barnardos Auburn Centre NAIDOC 2023 celebration

    Our team recently volunteered at the Barnardos Auburn Centre for their 2023 NAIDOC week celebration

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  293. Stronger together, to benefit members

    Today marks an important milestone as the merger-of-equals between G&C Mutual Bank and Unity Bank takes effect.

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  294. Updated Terms and Conditions – July 2025

    Members are advised of updates to our Account and Access Facilities Terms and Conditions, effective 1 July 2025. For your convenience, we have summarised the most notable changes.

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  295. Changes to our incorporated name

    From the 1 July 2025 our incorporated name will be Unity Bank Limited. The incorporated name is the name registered with Australian Securities & Investments Commission (ASIC) as the legal company name. As a member you will continue to see the Unity Bank, G&C Mutual Bank and Reliance Bank brands.

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  296. Unity Bank Merger Frequently Asked Questions

    Answering members frequently asked question regarding the upcoming merger with Unity Bank on March 7th, 2025.

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  297. Scam Security

    We are committed to supporting members with information and tips to help identify common scams and keep you and your money safe.

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  298. Google Pay FAQ

    Google Pay is an easy and secure way to manage contactless payments in store and online from your compatible Google products.

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  299. Government impersonation scams on the rise

    Australians are being urged to watch out for government impersonation scams, which are on the rise during tax time. More than 7100 reports have been made to Scamwatch, with over $1.26 million lost so far this year although losses are likely to be far greater.

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  300. Discontinuation of Phone Banking services

    Resources and support for the discontinuation of Phone Banking services.

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  301. Identity Fraud

    G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot identity fraud and how to get help.

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  302. Real time payments

    G&C Mutual Bank members can make real time payments using the New Payments Platform including PayID and Osko by BPAY

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  303. Volunteering with Marine Rescue NSW

    At G&C Mutual Bank, we’re passionate about helping people and our community. Chris, our Newcastle-based Collections Officer, volunteers with Marine Rescue NSW. We asked Chris to tell us more...

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  304. Lismore staff have helped members affected by the floods

    Our Member Relationship Officers located in Lismore have been talking directly with members impacted by the floods. They explain how much it has affected them.

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  305. Win Big with Your Visa Card – 50 Mega Cash Prizes Up for Grabs!

    We have exciting news for you! Get ready to win one of 50 mega cash prizes in our exclusive prize draw.

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  306. Volunteering at the Peter Pan Op Shop with Barnardos

    Community is at the heart of G&C Mutual Bank, so when the Australian Mutuals Foundation contacted us to ask for help at the Barnardos Peter Pan Op Shop, our staff responded.

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  307. Celebrating the 75th International Credit Union Day

    International Credit Union Day celebrates the spirit of the global credit union movement. The day is recognised to reflect upon the credit union movement's history, promote its achievements, recognise hard work, and share member experiences.

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  308. Protect yourself against remote access scams

    Remote access scams try to convince you of a computer or internet problem requiring you to download software or provide access to fix the problem, giving scammers direct access to everything on your computer.

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  309. Rental scams

    According to Scamwatch, Australians have lost over $300,000 to rental and accommodation scams this year. Many scammers are using tactics related to the COVID-19 pandemic. These scams target people seeking new rental accommodation by offering fake rental properties to convince people to hand over money or personal information.

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  310. Updated terms and conditions - June 2024

    Members are advised of updates to our terms and conditions, effective 11 June 2024.

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  311. Helping at Barnardos Australia's Working Bee

    G&C Mutual Bank’s staff members, Catrina and Janine, joined volunteers from other Australian Mutuals to help prepare a property to be used as much needed accommodation for disadvantaged families.

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  312. 2023 roadshows commence with Lismore member event

    We are pleased to have restarted our member roadshows, following the challenges of COVID-19 and the impacts of natural disasters over the past few years.

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  313. Customer-owned banks most trusted banking sector

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  314. Tax scams explained - and how to protect yourself this EOFY

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  315. Open Banking

    Open Banking provides greater visibility and control over your banking data, ease of comparison of products offered as well as an easy ability to switch providers.

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  316. Barnardos Yurungai Learning Centre: more than just a place to learn

    G&C Mutual Bank actively supports Barnardos Australia via the Australian Mutuals Foundation (AMF). Barnardos Yurungai Leaning Centre is one of the initiatives that we proudly support.

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  317. NSW Ambulance Employee of the Month July and August

    We proudly sponsor the NSW Ambulance Employee of the Month Awards, celebrating their staff who go above and beyond for the community.

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  318. Congratulations to the NSW Ambulance Employee of the Year 2024

    The Employee of the Year is selected from the 2024 monthly award recipients, we are happy to join NSW Ambulance in congratulating this years’ winner.

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  319. Celebrating International Women's Day

    At G&C Mutual Bank, we’re proud of our amazing women who make up 65 percent of our team, with 35 percent in management roles across the business. We invited three inspirational team members from across our business to share their insights on equality in the workplace.

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  320. Beware of hacking and malware

    G&C Mutual Bank is a proud partner of Scams Awareness Week. This year’s theme focuses on personal information and identity crime, with the slogan 'Be yourself. Don’t let a scammer be you.' The campaign raises awareness of common scam types such as hacking and malware.

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  321. Refuse remote access scams

    Scams Awareness Week raises awareness of scams that may affect you, such as remote access scams. Scammers design these scams to gain access to your computer and steal your personal details.

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  322. Scamwatch radar alert: COVID-19 pandemic scams

    At G&C Mutual Bank, we regularly publish updates from Scamwatch to raise awareness of scams and help keep our members safe. Here’s a Scamwatch alert on COVID-19 scams.

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  323. Stay vigilant against scams

    Over the years we have seen a steady rise in financial scams and fraud. It can be hard to spot scams but here are some steps you can follow that might help you to recognise a scam.

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  324. Happy International Women's Day 2023

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  325. Banking on a bolder future

    From 18 - 20 April, G&C Mutual Bank Board Chair Steve Helmich and CEO Rosanna Argall joined over 200 representatives at the 14th Global Alliance for Banking on Values (GABV) Annual Meeting.

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  326. NSW Ambulance Employees of the Month September - November

    NSW Ambulance employees go above and beyond for the community, and G&C Mutual Bank is proud to sponsor the NSW Ambulance Employee of the Month Awards. Congratulations to the recipients for September, October and November 2023.

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  327. Australian businesses unite against financial abuse

    We are proud to be one of the 21 Australian businesses part of the respect and protect initiative designed to disrupt the rise of financial abuse in Australia.

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  328. Launch of our Elder Financial Abuse Guide

    Our new Elder Financial Abuse Guide is designed to help you protect yourself or someone you love from elder financial abuse.

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  329. Cyber security is everyone’s business

    This Cyber Security month, G&C Mutual Bank has shared some useful tips to help you stay safe online.

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  330. Card Fraud

    G&C Mutual Bank is constantly working towards combatting fraud with information and tips to spot card fraud and how to get help.

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  331. Platinum Visa Credit Card

    Enjoy the flexibility of a premium Visa Credit Card including Qantas Points on eligible purchases and access to Platinum Visa Concierge.

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  332. What is elder financial abuse?

    Elder financial abuse is increasing, and instances of this crime are predicted to rise as our population ages. Those over the age of 50 are most at risk but it can happen to anyone – including you.

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  333. Privacy Awareness Week 2025

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  334. World Elder Abuse Awareness Day 2025

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  335. PayID FAQ

    Make real time payments easily using PayID. Read our Frequently Asked Questions to learn more.

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  336. Stay Smart Online Week 2019

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  337. Cancer Council Daffodil Day Appeal 2022

    The Cancer Council of Australia host a yearly fund-raising appeal, aimed at sourcing much needed resources, that are used to fund life-changing breakthroughs in cancer research

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  338. Scams Awareness Week 2022

    Scams Awareness Week 2022 provides useful information about empowering people to learn how to spot a scam.

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  339. Cyber Security Awareness Month 2022

    Cyber Security Awareness Month is an annual reminder for all Australians to stay secure online. Find out how you can protect yourself online.

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  340. Protect yourself online with a strong password

    Protect yourself online with a strong password. At G&C Mutual Bank the security of our members is one of our key priorities. Find out how to keep yourself safe.

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  341. Don't fall for romance and dating scams

    Romance and dating scams are, arguably, the most deceptive scams as the ‘imposter’ usually forms a close bond with their victim. The scammer will play with their victim’s emotions and gain their trust before taking their money and leaving them heartbroken.

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  342. Card Security

    G&C Mutual Bank is committed to combatting fraud with our information and tips to help keep your credit card and debit card secure.

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  343. NSW Ambulance Employee of the Month recipients July - November 2022

    As the proud sponsor of the NSW Ambulance Employee of the Month Awards, G&C Mutual Bank is delighted to announce the recipients for the second half of 2022.

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  344. Cash Passport

    If you are planning a trip overseas, a Cash Passport Platinum Mastercard is a smart and secure way to manage your travel money.

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  345. Apple Pay FAQ

    Apple Pay with G&C Mutual Bank. Read our Frequently Asked Questions.

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  346. Our team's tips for sustainability

    Our staff members are not just passionate about helping others, some also want to make a difference by supporting a sustainable lifestyle. Bernadette and Janine from our marketing team share their tips for sustainable living.

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  347. World Elder Abuse Awareness Day 2023

    The UN designated 15 June, as World Elder Abuse Awareness Day. The National Elder Abuse Prevalence Study suggests that one in six older Australians experienced elder abuse each year.

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In the spirit of reconciliation G&C Mutual Bank acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today. We support the Uluru Statement from the Heart to achieve justice, recognition and respect for First Nations people.


Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review G&C Mutual Bank's Terms and Conditions before acquiring the product.

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