I want better

We are all looking for ‘better’.

Especially when it comes to reaching your financial goals so you can get the things that you want while you can still enjoy them. This is where Police Credit Union can help.

So what do you want to do? We have put together a range of tips and advice to help you reach your ‘better’.

Our Products

Our Better Banking products will give you what you’ve been looking for. Whether it’s a loan rate, savings account, credit card, overdraft or insurance advice – we’ve got you covered. We also have all the financial planning advice you could want to give you a better future.

And, because we listen to our Members, our products keep getting better and better.

Better Access

Our range of better access products and services give you control of your accounts whether you’re online at your desk, on your mobile, travelling overseas or in a branch.

Learn more about having every option at your fingertips. You’ll be better off!


With our Guardian Fraud Protection Service and our fraud experts, Police Credit Union is committed to providing you with a secure banking environment and to denying funding to organised crime.

Security and Protection? Who better than Police Credit Union.


Providing financial support and volunteering for events for charity, sporting associations, Christmas pageants and partnership initiatives are just the start of what we do under our Plant the Seed initiative.

Plus, of course, we’re constantly sharing the latest insights, tips and innovation when it comes to economic, technological and financial trends.

We’re always better, together.


Since 1970, Police Credit Union has helped thousands of South Australians and Territorians achieve their financial goals and dreams with our range of better products and services.

Let’s get to know each other, even better.

rediATM Locator

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Find a branch

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Meet our Board and Executive Team

Proudly bringing you Better Banking.

Say hello to the Executive Team and Directors driving your Police Credit Union.

The Police Credit Union team has an overall responsibility for our Members managing the business of the Police Credit Union Group. The Board and Executive Team provides the strategic guidance and oversight of the Credit Union Group of companies, maintaining strong corporate governance principles underpinned by positive behavior, ethics, and values.



  • Alexander Paul Zimmermann


    FAICD, Grad. Cert. Business Admin.

    Current Occupation: Chief Inspector of Police
    Director since: 1999
    Chairman 2012 – current; Chairman Board Remuneration and Governance Advisory Committee; Chairman Police Credit Union Financial Planning Pty Ltd; Fellow Australian Institute of Company Directors; Graduate of the Governors Leadership Foundation Program, Leaders Institute of South Australia; Chairman – Workskil Australia Inc; Deputy Chairman Regional Development Australia (Barossa).

  • Michael John Fisher

    Deputy Chairman

    FAICD, B. Policing (Invest), Dip. Justice Admin., Grad. Cert. Applied Management, Grad Cert. Business Admin.

    Current Occupation: Detective Inspector of Police
    Director since: 2000
    Deputy Chairman 2012 – current and 2006 – 2010; Chairman Board Risk Committee current and 2005 – 2008; Member Board Remuneration and Governance Advisory Committee; Chairman Board Audit Committee 2008 – 2010; Fellow Australian Institute of Company Directors.

  • Paul Schramm

    Board Member


    Current Occupation: Retired Chief Superintendent of Police
    Director since: 1990
    Member Board Risk Committee; Chairman 2005 – 2012, Deputy Chairman 1998 – 2005; Chairman Police Credit Union Financial Planning Pty Ltd 2010 – 2012; Member Board Remuneration and Governance Advisory Committee 2006 – 2011; Fellow Australian Institute of Company Directors.

  • Peter John Alexander

    Board Member

    APM LLB, MAICD, Cert. Police Studies, Grad. Cert. HR. Management, B. Law, Grad. Dip. Legal Practice

    Current Occupation: Legal Consultant – Tindall Gask Bentley Solicitors
    Director since: 2008
    Member Board Risk Committee; Member Board Remuneration and Governance Advisory Committee; Member Board Audit Committee 2013; Retired President of the Police Association of South Australia; Police Studies Certificate (TAFE) 1980; Grad Cert HR Management (Curtin University) 1995; Bachelor of Law (Deakin University) 2002; Graduate Diploma Legal Practice 2003; Member Australian Institute of Company Directors.

  • Peter Damian Schar

    Board Member

    FAICD, Adv. Dip. Public Safety (Emergency Management)

    Current Occupation: Sergeant of Police
    Director since: 1998
    Member Board Audit Committee; Member Board Remuneration and Governance Advisory Committee; Fellow Australian Institute of Company Directors.

  • Michael John Edwin Standing

    Board Member


    Current Occupation: Retired Sergeant of Police
    Director since: 2006
    Member Board Audit Committee; Member Board Risk Committee; Member Board Remuneration and Governance Advisory Committee 2011 – 2013, Member Australian Institute of Company Directors; Life Member Police Association of SA.

  • Andrew James Dunn

    Board Member

    GAICD, Assoc. Dip. Justice Admin., Assoc. Dip. Social Science

    Current occupation: Retired – former Secretary, Police Association of South Australia and Police Sergeant
    Director since: 2013
    Member Board Audit Committee; Graduate Member Australian Institute of Company Directors; Life Member of the Police Association of SA.

  • Kathryn Presser

    Board Member

    BA (Acc), Grad Dip CSP, FCPA, FAICD, FCIS. AFAIM

    Current Occupation: CFO / Company Secretary at Beach Energy Limited
    Director Since: 2015
    Member Board Audit Committee; Member Board Risk Committee; Director of Minda Incorporated; Director of Funds SA; Council Member of Walford Anglican School for Girls; Bachelor of Arts – Accounting (University of South Australia) 1990; Fellow Chartered Institute of Company Secretaries; Fellow CPA Australia; Fellow Australian Institute of Management and Fellow Institute of Company Secretaries.

  • Thomas Scheffler

    Board Member

    MAICD, Dip. Local Govt., Cert Police Studies

    Current Occupation: Secretary of Police Association of South Australia, Senior Sergeant First Class of Police (on leave).
    Director since: 2016
    Member Board Audit Committee; Member Board Risk Committee; Member Australian Institute of Company Directors; Secretary and Executive Member of the Police Association of South Australia; Life Member Police Association of SA; Member of the Police Superannuation Board; Member of the Police Dependants Fund; Councillor City Charles Sturt (CCS); Member of CCS Asset Management Committee

Executive Team

  • Costa Anastasiou

    Chief Executive Officer

    B.Ec (Acc), FCPA, SA Fin, MAICD

    Costa commenced with Police Credit Union in 2002 and was appointed Chief Executive Officer and Company Secretary in July 2007.
    He is currently a Director of PCU Services Pty Ltd, PCU Financial Planning Pty Ltd, Ian Berry Insurance Services Pty Ltd, CU Pageant Company Pty Ltd and SA Police Legacy Inc.
    Costa is a qualified accountant, launching his career with Deloitte before moving into the banking and finance industry in 1987 with Hindmarsh Adelaide Building Society. Costa has successfully undertaken a number of diverse senior management positions throughout his career, ranging from accounting, treasury, sales, marketing and strategy roles.
    As Chief Executive Officer, Costa has the responsibility of leading the organisation to successfully implement the Group Strategy; including the achievement of its major goal – delivering a customer experience second to none, and its vision to be the Credit Union that best understands and fulfils the financial aspirations of its Members and our people.

  • Paul Modra

    Executive Manager Member Value & Distribution and Deputy CEO


    Paul has over 21 years’ experience in the credit union industry, the last 13 of which have been spent at Police Credit Union. He is the Chairman of the Pricing Committee.
    Paul has held an Executive Management position at Police Credit Union for over 6 years and is responsible for the branch network, personal banking, call centre and Ian Berry Insurance Services.
    Paul is responsible for motivating the retail team to become highly engaged customer experience experts, enhance access channels, deliver superior service and continue to increase member value.
    Paul also manages the relationship with Police Credit Union’s business partners including Allianz, Cuscal, Access Prepaid and Western Union. As Chair of the Pricing Committee, Paul oversees the direct management of pricing decisions for products including interest rates, fees and charges.

  • James O'Loughlin

    Executive Manager Lending & Credit Management

    BEc FCA, Grad. Dip. AppFin, MBA

    James has over 27 years combined experience in accounting, banking and finance.
    James is a chartered accountant who commenced his career with a top 4 accounting firm before moving in the banking and finance industry.
    James has undertaken a number of roles with both international and big 4 banks ranging from private banking, business development to senior management positions.
    James commenced with Police Credit Union in 2012, bringing an extensive knowledge of credit risk and processes developed from numerous years experience in both the accounting and finance industries. James, in his role as Executive Manager, Lending and Credit Management has the responsibility in leading the Credit culture of the organisation and successfully developing, implementing and monitoring credit policy.
    He is the Chairman of the Credit Risk Committee.

  • Christie Crouch

    Executive Manager Marketing & People

    B.Psych, M.MKT

    Christie commenced with Police Credit Union in 2010, bringing an extensive marketing and management background developed from the real estate industry. Christie has been in an Executive Manager position since August 2011.
    Christie’s role involves managing the promotion of Police Credit Union and its associated companies’ brands, as well as being responsible for all corporate communication, and overseeing training and human resources.
    Christie is Chairperson of Police Credit Union’s ‘Community, Environment & Employee Engagement & Diversity Committee’ (CEEED), which introduces a number of initiatives to build and enhance an engaged, inclusive and proactive culture to deliver a customer experience that is second to none. The Committee also aims to demonstrate attributes of community focus, social responsibility and mutual interest to ensure Police Credit Union supports, promotes and invests in the use of green and sustainable energy.

  • James Came

    Executive Manager Finance

    B.Comm, B.Acc, Higher Diploma in Tax Law, Chartered Accountant

    James has been with Police Credit Union since 2005 and has been the Manager Finance for a number of years. His core responsibilities involve overseeing the Finance area including Treasury and is a member of the Pricing Committee. In April 2013 James was appointed Executive Manager Finance and is responsible for the financial control of the credit union.
    James is the Chairman of the Asset Liability Committee that manages and monitors the Credit Unions liquidity, interest rate and capital risks.
    Having gained exposure to a diverse client base in Mining Finance, Manufacturing and Chemicals, James was admitted as a Member of the Institute of Chartered Accountants in 1990. Through these varied roles within financial services, James has gained extensive experience in accounting, regulation, tax and finance within the financial services environment.

  • Sean Willetts

    Executive Manager Risk & Compliance

    MIns&RiskMgt, ANZIIF(Fellow)CIP, BBus(Eco & Fin), GCertCommLaw

    Sean recently commenced with Police Credit Union, and has been on the Executive Team since November 2015. With over 20 years combined experience in financial services, Sean brings extensive experience in the management of risk and compliance, ensuring the business is appropriately addressing their risks and meeting all legal and regulatory requirements.
    Sean is the Chief Risk Officer, Chairman of the Compliance and Operational Risk Committee and a management representative of the Board Risk Committee.
    Sean’s role incorporates the management of Police Credit Union’s operational, regulatory and compliance risks, including Business Continuity Management and the management of corporate insurances. His role on the Executive facilitates the integration of compliance and risk management into the Credit Union’s strategic direction and business operations.

  • Ben Stephenson

    Executive Manager Technology & Data

    MInfoSysSec, MACS

    Ben has over 14 years experience in IT within the mutual banking sector. Ben has a solid technical background in IT having worked in positions from frontline support through to senior management, and has a strong background in business process as well as IT technical skills. Prior to this Ben also worked as a chartered accountant for over 5 years encompassing roles from taxation accounting to audit, giving him a good grounding in accounting principles and practices.
    Commencing with Police Credit Union in 2014, Ben heads the IT team in the role of Executive Manager, Technology and Data and is responsible for the security, availability and integrity of Police Credit Unions IT systems. He also sits on the Compliance and Operational Risk Committee and is the Executive Sponsor and member of the Customer Innovation Group within the Credit Union.

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We have all types of products for you to choose from! From Home Loans and Car Loans, all the way to Insurance. We can help make life better.