South-West Credit Union Co-Operative Online Banking Login

South West Credit was established in 1964 to meet financial needs of the community. It is based in the coastal city of Warrnambool. South-West Credit Union Co-Operative has grown over time to offer various banking products and services.

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Today, Online Banking is among the most cost-effective and convenient banking alternatives available. It offers you secure access to your bank accounts 24/7 at your convenience whether at home, office or abroad. With online banking, you can easily access your account and perform a number of banking transactions without the need to visit your local branch. You can only access the service after enrolling using your account details. The following guide will assist personal account holders at South-West Credit Union Co-Operative access online banking service by showing them how to: log in, reset forgotten password and enroll.


Account holders at South-West Credit Union Co-Operative can access their accounts online after providing their login credentials. If you have valid personal online banking credentials, please follow the steps outlined below to log in:

Step 1- Open this link to access South-West Credit Union Co-Operative website

Step 2- In homepage, click Internet Banking link to access login page

Step 3- If you are a registered Online Banking user, enter your Client Number and Access Code, then click Login

If your credentials are valid, the system will grant you access to your online banking account.


Personal online banking users can reset forgotten access code by calling South-West Credit Union Co-Operative on 03-5560-3900. A representative at the institution will take you through the password reset process after validating your account details.


To access Online Banking at South-West Credit Union Co-Operative, all you need is your Member Number and Access Code. Follow the steps below to enroll and receive access code:

Step 1- In the login page, click the Register link shown below

Step 2-  If you don’t have your Access Code, you can request it using the form below. Please fill in the requested details, then click Submit 

After your account details are approved, you will receive your access code.


South-West Credit Union Co-Operative offers the following online banking services:

  • View or print account balances and transactions history
  • Transfer finances between accounts
  • Pay bills through BPAY
  • Pay individual or business
  • Access to accounts from anywhere in the world, anytime
  • View earned or charged interest
  • Access  electronic statements

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
South-West Credit Union Co-Operative and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25

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