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Because members are customers and equal owners

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The distinguishing characteristic of Select Encompass is that it is owned by, and run for, the benefit of its members. Rather than being owned and controlled by outside investors, Select Encompass members are equal owners and each member has one vote.

The “sharing economy” is a term currently used to describe a more democratised marketplace, a modern and alternative socio-economic system which places sharing and collaboration at its heart.

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Despite the sharing economy being passed off as a new idea, the Select Encompass has been a mutually owned banking institution since 1963.

A mutually owned banking institution provides members with a secure place to save and a source of reasonably priced credit. Mutuals have a social mission to teach members about the value of regular savings and the wise use of credit. By pooling resources members help themselves and each other achieve economic and social advancement.

Mutuality, where members are customers and equal owners, is the true sharing economy.

  • Thank you so much for all your help along the way


    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money


    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work


    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again


    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person


    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful


    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience


    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win


    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union


    I can't believe that I have been with the credit union so long and I plan to be with you

  • So glad to be a member of Select Encompass


    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy


    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares


    Nice to know a bank cares! ‒ Liz


  • I just love the personalised service!


    This is why I've stayed with a credit union just love the personalised service :) Thanks

  • Your services have grown with me as my needs have changed


    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch


    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass


    Thanks for your help through the process. Big tick for Select Encompass for being an easy-