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Why Join?

There are many great reasons to join The Mutual.

1. We are owned by our Members

Credit Unions, Building Societies and Mutual Banks are owned and operated by their members. This means that all our profits are channelled back into the The Mutual rather than going into shareholder pockets. Essentially, putting more money back into your pocket through low fees and competitive rates.

2. Our service is personalised and professional

The Mutual provides an unparallelled service ensuring members are treated as an individual, not a number. This is perhaps the biggest difference between The Mutual and our competitors.

3. We support the local community

The Mutual is involved in a variety of voluntary projects that support the communities in which we operate. Click here to find out more about The Mutual's community involvement.

4. We know and understand our members

We invite our members to talk to The Mutual to help us better understand their needs. If you would like to provide feedback please call us on 1300 688 825 or email us at

5. Safe and Secure

Deposits with The Mutual are protected under the terms of the Financial Claims Scheme, together with the depositor protection provided by the Banking Act. The Mutual is regulated by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC). This ensures the protection of our members' finances. 

6. Range of products and services

The Mutual offers a wide range of competitive products and services including Home Loans, Car Loans, Personal Loans, Business Loans, Everyday Accounts, Savings and Investment Accounts.

7. Mutual Banking Code of Practice

The Mutual is committed to the Mutual Banking Code of Practice, which is our promise that we will always lend responsibly and put members' needs first. 

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If you have any questions, please contact us The Mutual Enquire Now