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

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

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 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

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

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

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

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

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

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

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

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

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