Credit union overdraft facility
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Avoid being caught short of funds
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A Community First unsecured Overdraft is linked to your transaction account. It helps give you peace of mind that in the event your account runs low on funds and you encounter unexpected expenses, your Overdraft will be there to cover you. It can also help you to avoid account overdrawn fees.
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| - Access to your funds at call
- Flexible repayment options -weekly, fortnightly or monthly
- Security against unexpected expenses
- Available for personal and investment purposes
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| | | | - Minimum monthly repayment is 3% of the outstanding balance at the last statement date, with a $20 minimum repayment applicable.
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Current Interest Rates
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| - 6.34% p.a.* - variable rate, minimum limit $10,000
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| | - 15.68% p.a.* - variable, minimum limit $1,000
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Managing your overdraft
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At Community First, we provide you with a range of convenient ways for you to view and manage your overdraft:
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- Internet Banking (optional)
- Mobile Banking (optional)
- Telephone Banking (optional)
- E-statements (optional)
- Over the counter at our Financial Services Stores
- Access to your money through the rediATM network of over 3,500 ATMs - Australia's second largest ATM network
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Applying for an overdraft with Community First
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Depending on what is most convenient for you, you can choose to apply online, over the phone, or by visiting one of our Financial Services Stores. After you apply for an overdraft with Community First, we will contact you within 24-48 hours regarding your application.
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Loan calculators
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Our Loan Calculators will help you work out a range of calculations such as how much you may be able to borrow, what your repayments will be, and how additional repayments can affect your loan term and interest paid.
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* Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines. Please consider the relevant Product Conditions of Use available from Community First Credit Union Limited by calling 1300 13 22 77, visiting your local Financial Services Store or www.communityfirst.com.au before deciding whether this product is appropriate for you. Rate is current as at 09/05/13 and subject to change without notice.
** Student Starter account holders can apply for a $500 credit limit if 18 years of age or older. Normal lending criteria applies.
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