UNITING ALL AUSTRALIAN
CO-OPERATIVES + MUTUALs

Our Members

BCCM members are leading Australian co-operatives and mutuals from all industries, including peak bodies and household names in agriculture, health, housing and education. Many started because the market couldn’t adequately meet community needs, and some have existed for more than 150 years. 

BCCM members provide employment across regional and metropolitan Australia, cementing fairness and equity in market supply chains. Co-operatives and mutuals support their community beyond donations and sponsorships – for every dollar spent, it’s estimated 76 cents is recycled within the local community.

BCCM Members

Almondcc

Almondco Australia Ltd

Almondco Australia supplies premium quality almond products to the world. It processes and markets the crops of more than 85 per cent of Australia’s almond growers. Almondco is grower-owned and operated and produces more than 100 different almonds varieties.

Year established: 1944

Type: Producer Owned

Industry: Agriculture

APS Benefits Group

APS Benefits Group

The APS Benefits Group is a mutual which offers personal and financial products and services to more than 29,000 members and clients Australia-wide.

Year established: 1905

Type: Mutual

Industry: Banking & Financial Services

Australian Military Bank

Australian Military Bank

Australian Military Bank has been helping Australian Defence personnel and their families make the most of their money since 1959. As Australia’s longest serving Defence financial institution, Australian Military Bank knows a thing or two about the unique aspects of life in the armed services.

Australian Military Bank is dedicated to helping the men and women who protect and serve our community. That’s why Australian Military Bank focuses on providing its members with better quality services, lower fees and competitive interest rates.

Year established: 1959

Type: Customer Owned

Industry: Banking & Financial Services

ASG

Australian Scholarships Group

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.

Year established: 1974

Type: Mutual

Industry: Community and Human Services

Australian Unity

Australian Unity

Australian Unity is a national healthcare, financial services and independent and assisted living organisation with over 6,000 employees providing services to nearly a million Australians including some 300,000 members nationwide. Australian Unity’s retirement communities assist over 3,000 older Australians to continue to live as independently as possible in communities with friends and supports. Australian Unity’s history as an independent mutual dates back 175 years.

Year established: 1840

Type: Mutual

Industry: Healthcare, Insurance & Risk Protection, Private Health Insurance

Bank Australia

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.

Year established: 1957

Type: Customer Owned

Industry: Banking & Financial Services

Bank of us

Bank of us

Bank of us is Tasmania’s only customer owned bank with more than 30,000 customers, eight branches statewide and more than $700 million 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 – from term deposits, everyday and savings accounts through to home loans, personal loans and general insurance.

Year established: 1870

Type: Customer Owned, Mutual

Industry: Banking & Financial Services

Bank Vic

Bank Vic 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.

Year established: 1974

Type: Customer Owned

Industry: Banking & Financial Services

Bank First

bankfirst

bankfirst 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.

Year established: 1972

Type: Customer Owned

Industry: Banking & Financial Services

Beyond Bank Australia

Beyond Bank

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.

Year established: 1977

Type: Customer Owned

Industry: Banking & Financial Services

Capricorn

Capricorn Society

Capricorn began in 1970 when 12 West Australian service station owners combined their purchasing power to attempt to level the playing field with the big multinational oil companies. With pooled resources, they were able to buy competitively priced goods and service benefits. Today, Capricorn is Australasia’s largest co-operative in the automotive parts buying industry, with 17,000 purchasing members across Australia and New Zealand, 2,000 of which supply goods and services to other members. Its member-focussed integrated business support includes equipment finance, travel services and business protection.

Year established: 1974

Type: Producer Owned

Industry: Purchasing and Supply Services

Care Super

CareSuper

CareSuper is an industry super fund for professionals run only to benefit members – not shareholders or financial planners. Its focus is always on the long-term net benefit for members.

Year established: 1986

Type: Mutual

Industry: Industry Super Funds

CBH Group

Co-operative Bulk Handling

CBH is Australia’s biggest co-operative, entrusted with 85 percent of Western Australia’s annual grain harvest for storage, handling and transportation. Almost as old as the WA grain industry itself, CBH’s bulk handling system has worked in partnership with WA grain growers as the backbone of the State’s rural economy. CBH is controlled by its 4,200 active grain grower members and exists for their benefit and the advancement of the grain industry in Western Australia.

Year established: 1933

Type: Producer Owned

Industry: Agriculture

CEHL

Common Equity Housing Limited (CEHL)

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.

Year established: 1985

Type: Producer Owned

Industry: Housing

Common Equity Co-operative Housing

Common Equity NSW

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.

Year established: 1985

Type: Producer Owned

Industry: Housing

The Co-op

Community Co-operative Store (The Barossa)

The Barossa Community Co-operative Store, ‘The Co-op’, is one of the largest and longest-standing retail customer co-operative 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.

Year established: 1944

Type: Customer Owned

Industry: Retail and Marketing

Community First Credit Union

Community First Credit Union

Community First Credit Union is the largest community-based credit union in the Sydney and Central Coast region with 15 financial services stores. It aims to be an integral part of the communities in which its members live and work.

Year established: 1959

Type: Customer Owned

Industry: Banking & Financial Services

CUA

Credit Union Australia (CUA)

CUA is Australia’s largest customer-owned financial institution with more than 430,000 customers and an extensive range of banking and insurance products and services. CUA has a long and proud history of providing banking and financial services to Australians, growing out of several small Queensland-based credit unions of just 180 members in the 1940s. Through the amalgamation of more than 160 credit unions, they are now a major player in the financial services sector in Australia.

Year established: 1946

Type: Customer Owned

Industry: Banking & Financial Services

Defence Bank

Defence Bank

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.

Year established: 1975

Type: Customer Owned

Industry: Banking & Financial Services

Employers Mutual Limited

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

Year established: 1910

Type: Mutual

Industry: Insurance & Risk Protection

Endeavour Mutual Bank

Endeavour Mutual Bank

Endeavour Mutual Bank is a mutual banking organisation. Member benefits include equally sharing in the success of the organisation through competitive rates, minimal fees and exceptional customer service.

Year established: 1953

Type: Customer Owned

Industry: Banking & Financial Services

Brolos

Geraldton Fisherman’s Co-operative Ltd

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.

Year established: 1950

Type: Producer Owned

Industry: Agriculture

GreaterBank

Greater Bank

Greater Bank has been helping make the dream of home-ownership a reality since 1945. From humble beginnings in Newcastle, Greater Bank has grown to become the financial service provider to over 260,000 customers across NSW and South East QLD. Committed to the communities they call home, Greater Bank has donated over $8 million through it’s Charitable Foundation since 2011 to help improve the lives of locals.

Year established: 1945

Type: Customer Owned

Industry: Banking & Financial Services

HCF

HCF

HCF is an award-winning health insurance fund with more than 1.5 million members nationwide. It uses all of its profits for the benefit of its members, delivering the lowest premium increases of the major funds. It is Australia’s largest not-for-profit health insurer.

Year established: 1932

Type: Mutual

Industry: Healthcare, Insurance & Risk Protection, Private Health Insurance

Heritage Bank

Heritage Bank Limited

Heritage Bank began as a building society in Toowoomba, Queensland. It is one of the oldest surviving member-owned banks in Australia and now also its largest.

Year established: 1875

Type: Customer Owned

Industry: Banking & Financial Services

IMB Bank

IMB Bank

IMB is a member-owned bank with a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. The IMB Community Foundation was established in 1999 and since that time has provided $8.1 million to support more than 550 projects.

Year established: 1880

Type: Customer Owned

Industry: Banking & Financial Services

MDA National

MDA National

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.

Year established: 1925

Type: Mutual

Industry: Insurance & Risk Protection

National Health Co-op

National Health Co-op

The National Health Co-op (NHC) is a not-for-profit, member-owned co-operative that provides bulk billing medical and healthcare services to its members. It is one of the fastest-growing co-operatives in Australia. It was formed in response to a lack of General Practitioners in the northwest region of Canberra and is currently in the early stages of a national expansion which will see the establishment of clinics throughout Australia. Its priority is on areas that are underserviced.

Year established: 2014

Type: Customer Owned

Industry: Healthcare

NRMA

National Roads & Motorists’ Association (NRMA)

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.

Year established: 1920

Type: Mutual

Industry: Motorist Clubs

Northern Co-operative Meat Company (NCMC)

Northern Co-operative Meat Company

The Northern Co-operative Meat Company Ltd (NCMC) is Australia’s largest meat processing co-operative. Its members are Australian farmers and businesses excelling in the paddock-to-plate philosophy.

Year established: 1933

Type: Producer Owned

Industry: Agriculture

P&N Bank

P&N Bank

P&N Bank originated in Western Australia in 1990 from the merger of a credit union for police and a credit union for nurses. It is now open to all Western Australians and is the state’s largest member-owned bank.

Year established: 1990

Type: Customer Owned

Industry: Banking & Financial Services

People's Choice Credit Union

People’s Choice Credit Union

People’s Choice is one of Australia’s largest credit unions with 360,000 members across Australia and branches in South Australia, Northern Territory, Victoria, Western Australia and ACT. It is in the top five co-operatives and mutuals by assets, and makes a difference to close to one million Australians each year through its community programs.

Year established: 1949

Type: Customer Owned

Industry: Banking & Financial Services

Police Bank

Police Bank

Police Bank is a mutual financial institution servicing the police community with service centres along the east coast.

Year established: 1964

Type: Customer Owned

Industry: Banking & Financial Services

Qudos Bank

Qudos Mutual Limited

Qudos Bank is a mutual bank providing a variety of financial services to its member-owners. Originally a credit union for Qantas employees, it has now opened up its membership to the wider community.  

Year established: 1959

Type: Customer Owned

Industry: Banking & Financial Services

Queensland Country Credit Union

Queensland Country Credit Union

Originally a credit union for Isa Mine employees, Queensland Country Credit Union is available to all Queenslanders. As customer-owned institution, community development and personal growth are core to its activities.

Year established: 1971

Type: Customer Owned

Industry: Banking & Financial Services

RACQ

RACQ

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.

Year established: 1905

Type: Mutual

Industry: Motorist Clubs

RAC

RACWA

RACWA 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.

Year established: 1905

Type: Mutual

Industry: Motorist Clubs

Regional Australia Bank

Regional Australia Bank

Regional Australia Bank is a member-owned bank. It started out as a credit union for staff at the University of New England and now exists for the benefit of individuals and communities in regional Australia.

Year established: 1969

Type: Customer Owned

Industry: Banking & Financial Services

RAA

Royal Automobile Association of South Australia (RAA)

RAA is a motoring mutual delivering emergency roadside assistance and touring.

Year established: 1903

Type: Mutual

Industry: Motorist Clubs

Royal Automobile Club of Tasmania (RACT)

The Royal Automobile Club of Tasmania (RACT) was established in 1923 to represent the interests of Tasmanian motorists. Today, as the State’s peak motoring organisation, RACT provides a wide 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 Tasmanian community. 

Year established: 1923

Type: Mutual

Industry: Motorist Clubs

RT Health

rt Health Fund

rt is a not-for-profit fund owned by its members. Started by a group of railway employees who got together to form a co-operative, it went on to form Australia’s first registered health fund.

Year established: 1889

Type: Mutual

Industry: Healthcare, Insurance & Risk Protection, Private Health Insurance

State Cover

StateCover Mutual Limited

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

Year established: 2001

Type: Mutual

Industry: Insurance & Risk Protection

Teachers Mutual Bank

Teachers Mutual Bank

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.

Year established: 1966

Type: Customer Owned

Industry: Banking & Financial Services

Travellers Choice

Travellers Choice

Travellers Choice represents independent travel agents in all Australian states with the exception of the Northern Territory. Founded in 1977 as a co-operative, it has maintained the core principles of cooperation in its constitution after converting to company status in 2006.

Year established: 1977

Type: Producer Owned

Industry: Purchasing and Supply Services

Uni Mutual

Unimutual Limited

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.

Year established: 1989

Type: Mutual

Industry: Insurance & Risk Protection

Yenda Prods

Yenda Producers Co-operative Society Ltd

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.

Year established: 1925

Type: Producer Owned

Industry: Agriculture, Retail and Marketing

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