If your financial position has changed due to the coronavirus situation and you have concerns about loan repayments or other banking matters, please contact CIRCLE on 1300 553 582 or email info@circle.com.au

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Home Buyers Blueprint

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What is a Social Enterprise Bank?

Social enterprises are businesses that trade to intentionally tackle social problems, improve communities, provide people access to employment and training, or help the environment.

The enterprise has a defined primary social purpose, environmental or other public benefit

The enterprise derives a substantial portion of its income from trade.

The enterprise reinvests 50% or more of annual profits towards achieving the social purpose.


To make a positive impact on members by providing programs and services to assist them meeting their financial, economic and social needs;

To promote, encourage and bring about human and social development among individual members and within the larger community within which members work and live;

To further the interests of members and the communities within which they work and live;

To promote co-operative and social enterprise and programs that bring about positive social and environmental change.

How do we achieve this?

All savings and Loan Accounts opened after 1/7/18 earn a Social Reward. We calculate the average monthly balances held in those accounts which accrue to the Do Good Community Fund.  To deliver on Circle’s purpose – Social, Environmental and Economic benefits to members and their communities we allocate community contributions with a focus on Financial Literacy, Health, Employment and Youth Opportunities.