Our Story

Southern Cross (formerly Southern Cross Building Society and now a division of Heartland Building Society) has been around since 1923. Our experience and expertise helps us to help New Zealanders by putting you ahead of everything else – and that’s what’s most important to us. 

All of our product solutions and services are tailored towards everyday Kiwis. Whether you’re part of a business or part of a family, helping you achieve your financial goals is a big part of our philosophy.

Our products and services include:

  • Savings accounts
  • Term Investments
  • Home Loans
  • Rural Loans
  • Business Loans
  • Consumer Loans
  • House, Contents and Motor Insurance
  • Foreign Exchange

We’ll look after you.

You can rely on us to give you an attractive rate of return on your savings and investments, a competitive rate on your home loan, and service that makes you feel valued. We’ll do everything we can to minimise the cost of borrowing, maximise your investment return, and understand your financial needs.

You can also take advantage of our Internet and Phone Banking* services. Find out more about Internet and Telephone Banking* here.

*Heartland Building Society is not a registered bank. 
*Southern Cross is a division of Heartland Building Society. Southern Cross savings accounts and term investments (Deposits) are issued by Heartland Building Society, which comprises the businesses of MARAC, CBS Canterbury, Southern Cross Building Society and PGG Wrightson Finance.   Heartland Building Society has a BBB- (Outlook Stable) credit rating from Standard & Poor’s. See our Investment Statement or click here for more details about the credit rating. Minimum investment for a term investment is $1,000. Our current Investment Statement can be obtained by calling us on 0800 657 935 or by clicking here.