Members

Almondco Australia supplies premium quality almond products to the world. It processes and markets the crops of more than 80 per cent of Australia’s almond growers. Almondco is grower-owned and operated and produces more than 100 different almonds varieties.

The APS Benefits Group is a mutual which offers financial, legal and insurance products and services to more than 30,000 members and clients Australia-wide.

Serving Australian Defence personnel and their families since 1959. Australia’s longest-serving Defence financial institution, Australian Military Bank is dedicated to helping those who protect and serve our community, by providing its members with quality service, low fees and competitive interest rates.

Australian Mutual Bank was created as the result of the 2019 merger between Endeavour Mutual Bank and Sydney Credit Union. Member benefits include equally sharing in the success of the organisation through competitive rates, minimal fees and exceptional customer service.

National healthcare, financial services and independent and assisted living organisation for over 175 years. Australian Unity has over 7,000 employees providing services to nearly a million Australians.

Bank Australia’s history includes those of many credit unions which came together to form the bank that exists today. Most recently for people working in the education sector, it now offers services to all Australians. It emphasises positive community and environmental outcomes as core, not incidental.

Bank First was born when a group of 48 educators came together to form a financial institution that placed a value on what people did for the community – not simply by how much money they made. The member-owned bank is now open to all Australians.

Bank of us is Tasmania’s only customer-owned bank with more than 31,000 customers, eight branches statewide and more than $1 billion in assets. Bank of us offers a comprehensive and competitive range of banking products and services designed to meet all personal and business banking needs.

BankVic provides financial support to the Victoria Police and members of the health, emergency and public service sectors. It is committed to ‘banking with heart’ – building healthy communities that are financially, socially and environmentally sustainable.

BCU Bank is an award-winning customer-owned bank operating from the Sunshine Coast to Port Macquarie. It offers a wide range of financial products and services. BCU’s members share a passion for their regions and respect the bank’s commitment to helping local communities thrive.

Beyond Bank is a customer-owned bank open to all Australians. It also works closely with not-for-profits and community organisations and supports their initiatives through fundraising, donations and volunteering.

Began in 1970 when 12 West Australian service station owners combined purchasing power to level the playing field with multinational oil companies. Capricorn has over 22,000 Members and 2,500 Preferred Suppliers across Australia and NZ. Its business support includes equipment finance, travel services and business protection.

CivicRisk Mutual is a mutual of NSW councils. It is self-managed, self-funded and owned and operated entirely by members for risk management regarding public liability losses.

Australia’s biggest co-op, entrusted to store, handle and transport 85 percent of WA’s annual grain harvest. CBH in partnership with WA grain growers is the backbone of the State’s rural economy. Owned and controlled by approx. 4,200 WA grain growing businesses, CBH’s core purpose is to sustainably create and return value to growers.

CEHL is Victoria’s largest Housing Association and is both a provider and developer of affordable housing. CEHL empowers people with co-operative housing models to build strong communities.

Common Equity provides overall asset management of properties for housing co-operatives. It also provides training and resourcing for the co-operatives, negotiating and servicing of borrowings for growth, and is responsible for overall program administration and monitoring.

Community First Bank is a community-based credit union with 15 financial services stores across Sydney, the Central Coast and the Northern Beaches. It aims to be an integral part of the communities in which its members live and work.

Defence Bank was originally formed for Australian Defence Force service members, but now serves the broader community around Australia as well. Defence Bank is one of Australia’s larger member-owned banks.

Employers Mutual is a member-owned insurance fund which provides for the claims and related injury management needs of employers and workers. Employers Mutual, through the Mutual Benefits Program provides the tools, resources and support for employees injured at work, and helps employers create safe workplaces.

Futurity Investment Group (formerly known as ASG) was established by a group of parents passionate about giving their children the best start in life through education. It offers a range of options to plan for the costs of education through contributions by members which are invested by fund managers.

G&C Mutual Bank is a different kind of bank, built around a big idea – It’s your bank, because you own it. Every one of G&C’s members is an owner with a voice and a say in the bank’s future. G&C Mutual Bank makes responsible, ethical decisions and reinvests profits to benefit its members and the community.

Geraldton Fishermen’s Co‑operative supplies premium-quality Western Rock Lobster to customers across the globe. GFC’s members, fishing along a thousand kilometres of WA coastline, take pride in their Brolos brand, motivating them to catch and produce the world’s best rock lobster product.

Go Vita is Australia’s largest health food retail group, committed to making a difference in its local communities with ethical, quality products and honest health advice.

Great Southern Bank (formerly CUA) offers financial and insurance products and services to over 560,000 members. Through a long and proud history and the amalgamation of more than 160 credit unions, GSB has become a major player in the financial services sector in Australia.

HCF is an award-winning health insurance fund with more than 1.6 million members nationwide. It uses its profits for the benefit of its members, delivering the lowest premium increases of the major funds. HCF is Australia’s largest not-for-profit health insurer.

HIF began in 1954 as the Western Australian Government Railways Employees Hospital and Medical Benefits Fund, changing its name in 2010 to reflect its increasingly nationwide membership. Multi-award winning, not-for-profit health fund championing an ethical, member-focused approach to health insurance.

IMB is a member-owned bank with a growing branch network throughout Illawarra, Sydney, the NSW South Coast, ACT and Melbourne. The IMB Community Foundation was established in 1999 and since that time has provided over $10 million to support more than 700 community projects.

Australia’s largest liquor co‑op. Member owned business working to obtain the best service and benefits for its members. ILG is committed to providing choice and flexibility to service its member’s diverse business models through its banner groups: Fleet Street, Bottler, Super Cellars, The Liquor Co-op, Clubmart and Pubmart.

KeyInvest is a mutual Friendly Society originally emanating from the IOOF (SA) which was established in 1878. Today, KeyInvest is a provider of retirement, finance and investment services, predominantly in Investment Bonds and Property, including developing and managing Retirement Villages.

Kudos Services is Australia’s first employee-owned public service mutual, with a focus on empowering children, young people and their families to live their best lives.

The single provider of approved professional indemnity insurance to law practices in NSW, and insures practices in the ACT, NT, and national firms with a presence in NSW. Independent subsidiary of The Law Society of NSW, and Australia’s only ‘profession-owned’, licensed and APRA regulated insurer of the legal profession.

MBL was formed in 1905 by South Australian butchers to service the meat industry. Members consist of retail and wholesale butchers, supermarkets, smallgoods manufacturers, abattoir operators, boning room operators, and seafood and poultry manufacturers and retailers mainly in South Australia, Northern Territory and Western Victoria.

MDA National is an Australia-wide Medical Defence Organisation that provides member support services and extensive professional indemnity insurance. It is a member-owned mutual that exists solely to support and protect members and promote good medical practice.

MIPS provides member first protection, support and advice to doctors, dentists, oral health and nuclear technologist and healthcare students.

The NRMA is Australia’s largest member organisation, providing a range of services including roadside assistance, International Drivers Licences, car reviews, a diverse range of motoring, travel and lifestyle benefits, as well as various products and services.

NGM Group offers retail banking services to more than 600,000 Australians under the brands Greater Bank and Newcastle Permanent, has a workforce of more than 1,600 people and total assets of more than $20 billion.

Australia’s largest 100% farmer-owned dairy co-op, owned by its member suppliers who operate Australian dairy farms. Norco recognises the value that its co-operative structure brings to all of its members and its communities. Doing business since 1895, Norco is proud of its heritage and passionate about its future.

P&N Bank is an award-winning WA customer-owned bank offering a wide range of financial products and services. Customers are at the heart of everything it does, and that’s why it is passionate about reinvesting its profits into products and services and helping the wider WA community.

Member-owned discretionary mutual open exclusively to Peninsula Protect (previously Employsure) clients, offering services including employment relations and health and safety consultancy.

People First Bank is Australia’s largest customer-owned banking organisation, created by the merger of Heritage Bank and People’s Choice Credit Union in March 2023. The new organisation offers a compelling national alternative to the listed banks.

Police Bank is a financial mutual serving the needs of the policing community, offering a range of financial products and services. Originally registered as NSW Police Credit Union in 1964 with just 60 Members. Today, Police Bank has grown to be one of the biggest and most successful mutuals in Australia.

Originally a credit union for Isa Mine employees, Queensland Country Bank is today, available to all Queenslanders. As a customer-owned institution, community development and personal growth are core to the Bank’s activities.

RACQ is a motoring mutual which offers services and products, including roadside assistance, travel, finance and insurance to its members. It has been a leading advocate on transport and fuel affordability for all Queenslanders for more than 100 years.

RapidClean is owned by cleaning supply experts operating their own stores. It provides customers with the support of a national organisation while providing a local service, offering a single source, cost-effective one-stop-shop solution. Their stores stock all the major brands of industrial, commercial and environmentally friendly products.

RAA is a motoring mutual delivering emergency roadside assistance and touring. Founded in 1903 by 15 motoring enthusiasts, RAA now provides an extensive range of services to more than 750,000 members.

SGS Economics and Planning is an urban policy and public policy consultancy and certified B Corp (Benefit Corporation). As an employee-owned business with high standards of accountability and transparency, it plays a critical role as independent and trusted advisors to the governments and organisations that shape Australia’s cities and regions.

StateCover Mutual is a specialised insurer, supporting the workplace risk needs of NSW councils and other local government entities.

Teachers Mutual Bank has provided key financial services to Australian educators throughout its existence. It is committed to strong standards of corporate responsibility through community investment and ethical business and has been recognised as one of the world’s most ethical companies.

The Barossa Co-op is one of the largest and longest-standing retail customer co-ops in Australia. It is not only a successful business, supplying retail products and services to its members and community, but also creates financial, human and social and relationship capital for its members, suppliers and the business.

The Casino Food Co-op, formerly The Northern Co-operative Meat Company Ltd, is Australia’s largest meat processing co-operative. Its members are Australian farmers and businesses excelling in the paddock-to-plate philosophy.

A member-owned bank offering industry-leading service and award-winning financial products to the Hunter Region. Established in 1888, The Mutual Bank has a long history of helping local people and small businesses to achieve their financial goals whilst supporting local employment and grassroots community organisations.

Formed in 1923 to represent the interests of Tasmanian motorists. RACT provides a range of motoring services, insurance, tourism and travel products as well as exclusive member benefits. With a vision to enhance life in Tasmania, RACT plays a significant role within the community.

RAC is a motoring mutual and offers a wide range of services to its members, including roadside assistance, travel and insurance. It is a leader in driverless vehicle technology, and has launched the first fully autonomous, electric shuttle bus on public roads.

Unimutual is owned and controlled by Australian universities, higher education providers and associated entities for the sole benefit and interest of its membership. It provides cover for essential property and liability protection.

Unity Bank is a member owned bank that offers a wide range of financial products and services to its members and their families Australia

Westfund is a not-for-profit private health insurance fund that started operating over 140 years ago. Covering over 120,000 memberships, it is now one of Australia’s fastest-growing funds.

The Yenda Producers Co–operative provides its farmer members with comprehensive farming products, services and farming advice from a team of highly trained and experienced agronomists and horticulturalists.