What makes The Capricornian different to a bank?
Our difference is we’re a credit union. This means our profits are reinvested into creating better financial products and services for our members. Unlike a bank, our profits are not sent to external shareholders, but instead are reinvested back into your community.
The Capricornian – it’s a name that shows how proud we are to be connected to your local community. You see, we’ve been supporting people living in this region for over 60 years.
When you do your banking with us, you benefit from local knowledge, local loan approvals, and local investment via our community programs.
Why do your banking with The Capricornian?
It's all about you
Honestly it is. As a credit union, we’re not about making profits for shareholders, so we won’t sell you products that you don’t need.
Locals helping locals
For locals, by locals. Say hello to local home loan approvals and to chatting with someone right here in the Capricorn region.
Skip the bank jargon
We explain things in a way that’s straightforward, and we don’t believe in hidden fees.
To share co-operative banking with the community, be our members’ financial institution of choice and assist members responsibly to achieve their financial goals and objectives.
Provide trusted, financially sustainable and quality financial services to our members and our communities, now and for future generations.
The values of The Capricornian are articulated through what we call our FIRST values.
F – Fairness: We are flexible, equitable and accessible when dealing with our members, colleagues and stakeholders.
I – Integrity: We are always honest, reliable and transparent when dealing with each other and our communities.
R – Respect: We respect each other’s differences and this is evidenced by behaviour that is accepting, approachable and understanding.
S – Social Responsibility: Mutuality and co-operative commerce are at the core of our business and inform how we seek to drive economic growth for the benefit and welfare of Central Queensland’s society.
T – Trust: We seek to do what we say and say what we do in our interactions with members, staff and the broader community.
Whats new at The Capricornian
Bank With a Local: Five Reasons To Switch To The Capricornian
Looking for a banking experience that’s tailored to you? At The Capricornian, we’ve crafted a seamless process to make switching financial institutions hassle-free and personalised. 1. We Keep You In Mind At The Capricornian, we start your journey with a genuine conversation about your goals and banking preferences. Whether you’re saving for a dream holiday, […]
Four tips for first home buyers to get into the market
Hats off to Australia’s first home buyers! The latest lending data shows they’re refusing to let last year’s rate hikes and rising property values dampen their goal of buying a home. Here are four tips to help you buy your first home in 2024. You have to admit, it’s tough for first home buyers in […]
When will the next RBA cash rate call be made?
Happy days! The Reserve Bank kept rates steady in February. But a shake-up in the number of times our central bank meets each year is raising questions about how long the rate pause will last. Here’s what we could expect.. It seems fitting that in a month known for Valentine’s Day, the Reserve Bank of […]
How your home loan deposit can shape the rate you pay
It’s commonly known that the bigger your deposit, the smaller your home loan, and thus, the lower your monthly repayments. But today we’ll look into another way your deposit size could reduce your repayments: by potentially reducing your interest rate. A question we’re commonly asked (believe it or not!) is “how can I get a […]