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Home Loans

Here to make it happen We've got a range of home loan options to help you buy, build, invest or refinance your home. Interest rates Calculators Fees and charges First home buyers Loans to help you buy or build your very first home. Owner occupiers Refinance, buy your next home...

News

News & articles View the latest news, tips, announcements and publications from Community First. News & Articles Annual Reports Focus Newsletters News Fraudulent website mirrors AUSTRAC Date published: 2024-03-28 A fraudulent website has been created by scammers to mirror some of the content on the AUSTRAC website. News How to...

Existing Referrers

Refer now Let us handle the application process so you can focus on your business. Finance that won't cost you the earth Community First's low rate green loan has helped thousands of Australian households save on energy. For current interest rates, please scroll down.   Refer a customer We'll contact the...

Solar Referrer Login Page

Solar Referrer Sign In Login Forgot your password?

Start Referring

Start referring Register your interest to refer customers to us - we'll be in touch with more information.  What products are eligible for a green loan? Our green loans support a range of products including: Solar (PV) panels Battery hybrid systems Solar pool heating LED lighting Double glazing External awnings...

Referring to us

Referring to us Take advantage of our competitive green loans and give your business a boost. I want to start referring Join the many businesses Australia wide connecting customers with great value finance We'll guide you through the process so we're both compliant and give you the tools you need...

Mobile Payments

Mobile payments Find out more about how to make payments conveniently using your mobile phone.  To begin, select your relevant provider below:    Apple Pay Find out more    Google Pay TM Find out more    Samsung Pay Find out more  

Apple Pay with Community First. The easy way to pay everyday

Using Apple Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and on the web has never been easier, safer, or more private.*   Set-up is...

Google Pay

Google Pay TM  The convenience of a mobile wallet is now in your hands    Google Pay TM is the fast, simple way to pay with Google. Download Google Pay and add your Community First Bank card to start making simple, secure purchases today.   Google Pay allows you to use NFC...

Samsung Pay

Samsung Pay The secure and easy-to-use mobile payment service for compatible Samsung smartphones and smartwatches. Which Samsung devices are compatible with Samsung Pay? For a list of compatible Samsung devices, visit www.samsung.com/au/apps/samsungpay/   Which cards can I load to Samsung Pay? You can load the following Community First cards to Samsung...

Fast Payments

Fast Payments A faster and simpler way to pay, and get paid   You now have the option to make your everyday payments faster, simpler and safer. Osko by BPAY®  is a new way to pay that allows you to transfer money between participating financial institutions in seconds, 24 hours a...

Fast Payments FAQs

Fast Payments FAQs New Payments Platform - FAQs What is NPP? NPP - New Payments Platform will enable customers of different banks to make and receive near real-time payments, 24 hrs a day, 7 days a week. What is Osko? Osko by BPAY® is the 1 st consumer service to...

Report a lost or stolen card

Report a lost or stolen card In Australia Call us on 1300 13 22 77 Monday - Friday 8am - 8pm and Saturday 8am - 3pm After hours Call the VISA lost and stolen card hotline on 1800 648 027 Overseas Call the VISA lost and stolen card hotline on...

Careers

Ready for a new career? The change you've been looking for could be here at Community First. About us Careers PASSION     -     TEAMWORK    -    SUCCESS    -   INITIATIVE    -   TRUST Get to know us At Community First, we do things a little differently. We’re more connected. More committed. More walk than...

Financial Claims Scheme

Financial Claims Scheme What is the financial claims scheme? The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails. Under the FCS, certain deposits...

Locations

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Home Loan Key Facts Sheet

Home Loan Key Facts Sheet What is a Home Loan Key Facts Sheet? By using our key facts sheet tool you can simulate a loan scenario based on one of our home loans (excluding split home loan options). It will help you calculate the true cost of a home loan,...

Banking

Banking for me  A range of solutions to make everyday banking a breeze Spending Accounts for everyday spending, bills and more Savings Savings accounts and term deposits to grow your nest egg Credit cards Credit to shop anywhere Visa is accepted Overdrafts Peace of mind with extra credit when you...

Loans

Making it happen Whatever you need extra funds for, our range of great value loan options can help you get there. Home Loans Competitive options for a wide range of purposes Personal loans Overdrafts and personal loans for just about anything Car loans Finance for cars, boats, caravans and motorbikes...

Insurance

Insurance options Protection for you, your assets and more. General Insurance Cover for your property, car, boat or caravan Health Insurance Get mates rates on your health cover Life Insurance Protect yourself, your family and your lifestyle Get mates rates on your health insurance Thanks to our mates at Peoplecare,...

Travel

Planning to travel? Purchase currency, send funds securely and protect yourself with travel insurance. Foreign exchange Convert your currency ahead of time and save International transfers Send or receive funds overseas securely Flexible credit, wide acceptance Our credit cards are widely accepted both in Australia and around the world, making...

Banking

Business banking Stay on top of your cash flow with our banking solutions for businesses. Not for profit Everyday banking that makes every dollar count Everyday A convenient solution for everyday business banking Payments Solutions for collecting payments whether you're online or on the move Cover for unexpected expenses A...

Business Loans

Extra funds for your business Get a boost for your business with access to extra funds. Business loans Loan options to fund your business needs and boost your business. Overdrafts Extra credit when you need it to manage your business expenses. How to apply for a business loan We know...

Everyday accounts

Everyday accounts Whether you're just starting out or are a busy spender, there's a range of accounts for the stage you're at. Everyday Transaction accounts for everyday banking, spending and paying bills. Retirees Over 55, retired or receive an eligible pension? Students Banking for students aged 17-24, apprentices or trainees...

Savings and term deposits

Savings and  term deposits There's a range of flexible ways to save so you can reach your goals sooner. Regular saver Need an incentive to save every month? Saving for Christmas Take the pressure off Christmas Youth saver Banking and savings for tiny tots to teenagers up to 18 years...

Credit cards

Credit cards Get access to credit when you need it, shop, pay bills and more with a Community First Credit Card. n0w credit card Shop with no interest, just a low monthly fee Low rate pink credit card Supports the McGrath Foundation Low rate blue credit card Supports the Prostate...

Personal Loans

Make it happen Whether you're improving your home or going on a holiday, make it happen with one of our personal loans Green loans Finance for solar panels and other eligible environmentally friendly products. Home improvements A loan for home owners wanting to finance their next home project. Unsecured loans...

Car Loans

Vehicle loans  Whether you're looking to buy a car, boat, motorbike or caravan, get on the road sooner with our car loan options. Electric or hybrid For brand new electric or hybrid cars. New to 5 years old For registrable cars, boats, caravans and motorbikes brand new or up to...

General Insurance

Protection and peace of mind Choose from a range of options to cover your home, vehicle and/or possessions. Home and contents Protect your home and your possessions Car Cover for cars, boats, bikes and caravans Landlords Cover for property you lease or rent to tenants Get a quote Depending on...

Contact us

Contact Us Community First Direct For member service call1300 13 22 77. We're open 8am - 8pm weekdays and 8am - 3pm Saturdays. Telephone Banking Phone1300 13 16 99to check balances, make transfers and more. Overseas callers Calling from overseas? Phone+61 2 9735 1600. Other contact details Email: askus@communityfirst.com.au Postal...

Low Rate Credit Cards

Low Rate Black Credit Card Please take a moment to review the Credit Card Key Facts Sheet Low Rate Pink Credit Card - proudly supporting the McGrath Foundation Please take a moment to review the Credit Card Key Facts Sheet Low Rate Blue Credit card - proudly supporting the Prostate...

Home

Winner -Best Green Personal Loan Our Green Loan is a RateCity 2024 Gold Awards Winner Find out more Products and services Calculators Rates and fees Upgrading your car? Our Green Car Loan for brand new hybrid or electric vehicles can help the planet and your pocket. You can even add...

Owner occupier home loans

Move, improve and get ahead When it comes to the home you live in, we offer a range of home loan solutions to help you get more out of life. Easy If you're switching your loan from another lender, we can make it happen easier than ever thanks to our...

Investor home loans

Make the most of your investment Whatever your investment strategy, we offer competitive rates and flexible repayment options. Easy Whether you’re refinancing, purchasing or building an investment property, our team of Mortgage Specialists are here to make the process easy. Low deposit You can borrow up to 90% of the...

Contact Form Landing Page

Thank you! We have received your request. One of our team will contact you shortly. window.dataLayer = window.dataLayer || []; window.dataLayer.push({ event: 'form_step', form_step: 'success', form_url: window.location.href });

Application Form

Application Form Using our online application form, applying will take approximately 5-7 minutes. You will need the details of a bank account we can debit your $2 Member share from (only if you are a new member). Once submitted, we will contact you to verify your ID.  Before You Begin...

Term Deposit Application Form

Term Deposit Application Form Using our online application form, applying will take approximately 5 minutes. You will need the details of a bank account we can debit your $2 Member share from. Before You Begin If you are a Community First Member please contact us before you apply I have...

Reduce or cancel your credit card limit

Reduce or cancel your credit card limit If you're the account holder, you can use this page to request: The closure of your credit card account A reduction in your credit card limit To close your credit card account If you are the account holder, you can cancel your credit...

First home buyers

Buy your first home Sooner We’ve got a range of solutions to help first home buyers get in to a place of their own sooner. Peace of mind We've helped many Australians in to their first home. Our team of Mortgage Specialists can help guide you through the process. Low...

Application Form Landing Page

Your application has been received! We've now received your application and it will be processed shortly. One of our team will give you a call to verify your identity over the phone. Once we've verified your ID, we'll open your account and send you your new account details so you...

Fast Refi

FASTRefi Now switching your loan is easier than ever If you’re looking to switch your home loan from another lender to Community First, now you make the switch easier than ever thanks to our FASTRefi service. It means you can take advantage of possible home loan savings sooner. There’s no...

Help for buying a home

Help for buying a home There are a range of initiatives in place to help you get one step closer to your home buying dreams. Home buying support initiatives We know it can be hard to save for a deposit, especially if you're currently paying rent or are relying on...

How an offset account works

How an offset works Learn how an offset account works so you can pay your loan off sooner. Reducing the interest you pay on your home loan takes more than just a low rate. The features and benefits attached to the loan also play a very important role. Many Australians...

Manage your loan

Manage your loan We're here to help you stay on top of your loan when things change or you need a hand. Increase your loan Find out how to go about applying for an increase to your existing loan. Switch loans Want to switch your current loan to a different...

Switch loans

Switch loans If you'd like to switch to a different Community First home loan, here's what you need to know. How do I switch to another loan? If you're currently on a fixed rate home loan, breaking your fixed rate term could result in an early repayment fee (ERF). You...

Request a statement

Get a statement If you need a copy of your statement, here's how you can go about getting a copy. Where can I view my loan statement? If you're registered for e-statements, you'll receive a monthly e-statement which you'll be able to access from Internet Banking.  If you've requested paper...

Change your details

How to update your details We need to stay in touch Keeping your details up to date with us is crucial. We need to be able to contact you by phone, mail and/or email to keep you informed about any changes to your loan, and to keep in touch with...

Access redraw

How to access redraw What is redraw? Redraw represents funds that you've paid in advance on your home loan. You can increase the amount of redraw available on your loan by paying extra off your loan. You can pay off extra either by setting a regular repayment that is higher...

Change payment arrangements

How to change your repayments What information can I change? You can make changes to your loan repayments to ensure they better meet your needs. Examples of information you can change include: The frequency of your repayments - this can be weekly, fortnightly or monthly. The account your repayments are...

Comparison rate warning

Comparison rate warning The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result...

Comparison rate warning

Comparison rate warning The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result...

Comparison rate warning

Comparison rate warning The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result...

Transaction accounts

Transaction  accounts Depending on how you manage your money, our transaction accounts can help make banking easy. Everyday Account Card access and unlimited electronic transactions for one low monthly fee, suited to busy transactors. Access Account Only pay for the transactions you use, plus you can avoid fees with our...

Thank-You

Thank you! Your response has been successfully recorded.

Apply Now - Club Rewards Account

Apply Now - Club Rewards Account Before You Begin I have read and understand the Terms and Conditions, Financial Services Guide (FSG) and our Privacy Policy. I supply the details in this application for the purpose of enabling Community First Credit Union Ltd ABN 80 087 649 938 AFSL/Australian credit...

Apply Now - Club Rewards Account Complete

Apply Now - Club Rewards Account Complete

Apply Now - Buying Club Account

Apply Now - Buying Club Account Before You Begin I have read and understand the Terms and Conditions, Financial Services Guide (FSG) and our Privacy Policy. I supply the details in this application for the purpose of enabling Community First Credit Union Ltd ABN 80 087 649 938 AFSL/Australian credit...

Apply Now - Buying Club Account Complete

Apply Now - Buying Club Account Complete

Google Pay FAQs

Google Pay FAQs How does the Google Pay™ app work? Google Pay™ is a free app that allows you to pay with your Community First Bank card with a tap of your phone while enjoying the same benefits and protection of your physical card. Add an eligible credit card and...

Annual Reports

Annual reports View our performance and how we've been making a difference to our members, communities, environment and people. News & Articles Annual Reports Focus Newsletters 2023 Annual Report Once again, we have celebrated a year of remarkable success, key milestones and positive achievements on behalf of our members. View...

Focus newsletters

Focus newsletters Keep up to date with the latest news, tips and announcements with our tri-annual member newsletter. News & Articles Annual Reports Focus Newsletters 2024 February edition We celebrate our green loan scoring top spot in the 2024 Rate City Gold Awards and let you in on how to...

Apple Pay FAQs

Apple Pay with Community First. The easy way to pay everyday What is Apple Pay? Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch, iPad or Mac to make secure contactless purchase in stores, within selected apps and participating websites. Which Apple...

About us

Member Owned since 1959   Our mission is to help members achieve their financial goals by building relationships for mutual benefit Why choose us Find out why we're Australia's best kept secret Our people Meet our Board and Executive Management team Careers Find out about a new career with Community First...

Investing

Straight-forward investing Whatever your investment strategy, we offer a range of solutions to help you get there. Home Loans Competitive options to help you buy, build or refinance your property investment Term deposits Lock away your savings from 3 months to 3 years in a secure investment Financial planning Get...

Help and support

We're happy to help Our people make all the difference and are here to help you through whatever today brings Contact us Request a call back, phone or email us for support Online forms View and download a form to complete a range of requests Locations Find out where you...

Products and services

Our products and services We offer a range of award winning products Australia wide that have been recognised for outstanding value.  Personal products Banking Savings and transaction accounts, credit cards and term deposits. Loans Car and personal loans, home loans, overdrafts and credit cards. Insurance From general insurance to health,...

Partnerships

Start referring Register your interest to refer customers to us - we'll be in touch with more information.  Home owner installing solar? We can help you finance the purchase of environmentally friendly products such as solar panels, battery systems, rain water tanks, hot water systems and more View our green...

Call Back - General

Home Loan Cashback Special Request a Call Back × Request a Call Back First name * Last name * Phone number * Email State * - Select - ACT NSW NT QLD SA TAS VIC WA Best time to call * - Select a Day - Monday Tuesday Wednesday Thursday...

Solar loan

Solar loan The solar loan is a personal loan that can help you make environmentally friendly purchases on solar panels and hot water systems.

Comprehensive Credit Reporting FAQs

Comprehensive Credit Reporting FAQs What if I find a mistake on my credit report? If you believe that information within your credit report is incorrect, contact the company responsible for the error (or we can help you ask them to correct it). Alternatively, you can get in touch with the...

Credit card terms and conditions

Credit card terms and conditions Community First credit card terms and conditions can be found here (Effective from 12 February 2024).

Community First Bank App Terms of Use

Community First Credit Union App Terms of Use Getting Started These terms govern your use of the Community First Mobile Banking App (App), together with the Community First Conditions of Use documents and Financial Services Guide (FSG). You will need to be registered to use Internet Banking before being able...

Applying for a loan

Applying for a Loan You can apply for any of our home loans or personal loans online by clicking on one of the links below. For home loan applications To apply for a home loan online, please click here. For personal loan applications To apply for a personal loan, car...

Home and contents insurance

Choose from building, contents or combined cover.

Bonus Saver account

Be rewarded when you save each month and make no withdrawals

Everyday account

The everyday account with the most heart

Car Insurance

Choose from a range of cover options including comprehensive, third party fire and theft or third party property damage.

FlexiCover Life Insurance

Life Insurance that can adjust over time as your financial commitments change. 

Health Insurance

We have partnered with multi-award-winning private health insurer, Peoplecare, to deliver you health insurance that suits your needs and exceeds your expectations. 

Motorcycle Insurance

Choose from a range of cover options including comprehensive, third party fire and theft or third party property damage.

Boat Insurance

Get comprehensive cover against theft, fire and accidental or malicious damage. 

Landlords Insurance

Protect your investment property. 

Access account

Convenient access to your money to manage your everyday spending

Caravan Insurance

Get comprehensive caravan cover with options to tailor it to your needs. 

Deposit Bond

A cash deposit alternative when you need to buy a home

Retirement Plus account

An everyday transaction account for members who are aged 55 and over, are retired or receive an eligible pension. 

Student Starter account

A low cost everyday account just for students

Junior Saver account

You're never too young to start saving

Christmas Cracker account

Get prepared and have a cracker of a Christmas

Financial Planning

Make your money work as hard as you do. 

Foreign Exchange

Travel with peace of mind by having local currency. 

International Money Transfer

A timely and reliable way to send money overseas.*

Green Loan

Help the planet and your pocket with a low rate unsecured loan for environmentally friendly products for your home.

Car loan

Drive away with a great rate on a new or used vehicle up to 5 years old

Low Rate Credit Card

A low ongoing rate, even on cash advances

Home Improvement Loan

An unsecured loan for home owners to help make your home projects happen

The Card that gives back

The Low Rate Pink credit card, proudly supporting the McGrath Foundation

Personal Loan

An unsecured loan for just about any worthwhile purpose with fixed and variable options.

Overdrafts

Enjoy flexibility for unexpected expenses

Term Deposits

Lock in a guaranteed return for a term

Low Rate Blue Credit Card

Proudly supporting the Prostate Cancer Foundation of Australia

Basic home loan

A simple, low-fuss loan for the home you live in

Fixed home loan investment

Certainty of repayments for a term for investors plus access to a 100% offset account

Fixed home loan

Certainty of repayments for a term plus access to a 100% offset account

Basic home loan investment

A simple, low-fuss home loan for your investment property

Accelerator home loan fixed

A life of loan discount off our standard fixed rates plus other savings

Accelerator home loan fixed investment

A fixed rate for investors with a life of loan discount plus other savings

Accelerator home loan

A variable rate with a life of loan discount plus other savings

Accelerator home loan investment

A variable rate for investors with a life of loan discount plus other savings

Standard variable home loan

A variable rate with a range of flexible features

Standard variable home loan investment

A variable rate for investors with a range of flexible features

Community Account

Everyday banking that makes every dollar count

Business Payments

Community First has partnered with Dot Payments to provide payment solutions suited for all business types. 

Business overdrafts

Flexibility to manage cash flow and unexpected business expenses

Business loan

Fund your business needs using a variable business loan secured by either your residential or commercial property.

FirstBiz Online Savings

An online savings account for businesses, not for profit organisations, trusts and Self Managed Super Funds.

FirstBiz Access Account

A convenient, everyday bank account to help manage your daily business transactions.

n0w credit card

No interest, just a low monthly fee. Plus cash out when you need it.

Green Car Loan

Helping the planet and your pocket

Balance variable home loan

A competitive variable rate with a range of flexible features

Balance variable home loan - Investment

A competitive variable rate with a range of flexible features

Bridging Loan

A helping hand for your next purchase

Deposit Bond

A cash deposit alternative when you need to buy a home

Internet banking

Internet banking 24/7 access to manage your accounts online   Through Community First Bank internet banking you can conduct a wide range of transactions easily and securely, at a time that is convenient to you. There are no set up fees, no access charges and no 'business hours' as it is...

Telephone banking

Telephone banking Personal, convenient service by phone   At Community First Bank, we provide you with a dedicated team of staff in our call centre as well as a 24 hour Phone Banking Service to make it easy for you to receive assistance and manage your accounts over the phone.   Community...

Important information

Important information Capital disclosures Community First Credit Union Limited is regulated by the Australian Prudential Regulation Authority (APRA) which require information about the credit union's capital to be displayed on the website. Dispute Resolution Community First Credit Union Limited is a participant in the Customer Owned Banking Code of Practice...

Online Disclaimer

Online Disclaimer Subject to any terms implied by law and which cannot be excluded, all representations, warranties and other terms are excluded and Community First Credit Union Limited shall not liable for any loss or damage (including indirect, special or consequential loss or damage) howsoever caused (including by negligence) which...

Privacy policy

Privacy policy Community First Credit Union Limited complies with the Australian Privacy Principles which regulate privacy of personal information we may collect from you. Community First Credit Union Limited reviews its Privacy Policy periodically and reserves the right at its discretion, to modify or remove portions of this policy at...

Disclosure documents

Disclosure documents At Community First Credit Union Limited you have access to a wide range of services. To ensure that as a Member you are fully informed, on this page you can view and download our Financial Services Guide (FSG) and Terms and Conditions for our products, as well as...

Prudential disclosures

Prudential disclosures As an Authorised Deposit-Taking Institution (ADI), Community First Credit Union Limited is regulated by the Australian Prudential Regulation Authority (APRA). The primary role of APRA in relation to ADI's is to ensure the stability of the financial industry, principally managed through the strict regulation of capital adequacy requirements....

Financial hardship

Financial hardship We're here for you   For over 60 years, Community First has kept our members' money secure and our people safe from harm. This will never change, and together, we're here to help you navigate life's challenges together. What is financial hardship? Financial hardship refers to a situation where...

How to apply for a business account

How to apply for a business account At Community First Bank, non-individuals can open up an account in the name of a company, association, trust, co-operative, government department/agency or local government entity.   For existing members of Community First Bank   Simply call us on 1300 13 22 77 to open a...

How to set up SMS and email alerts

How to set up SMS and email alerts   SMS and email alerts are completely free, regardless of how many alerts you have set up.   If you are registered for Community First Bank Internet Banking, you can set up SMS and email alerts yourself within a matter of minutes.    Alternatively, contact...

How to use e-statements

How to use e-statements Your statement history at the click of a button E-statements give you the convenience of having your statement history at the click of a button. By registering , you will also be helping the environment by doing away with paper statements. Advantages of e-statements E-statements will...

Managing your accounts

Managing your accounts At Community First, we understand that you want flexible, convenient and easy access to your money which is why we provide our Members with a range of options in which you can manage your accounts: In person In-store Community First Stores Our store network stretches from the...

How to stay secure online

How to stay secure online     We recognise that security for communications and transactions over the internet is of prime importance. Following are just some of the important measures we take in order to protect you.   Our Security Measures    Our browser-based internet banking service uses the latest 256 bit Verisign digital...

How to apply for a loan if you're self employed

How to apply for a loan if you're self employed Loans for self employed   Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.   What happens after I submit my application?   After you complete an application for a loan...

Internet banking transfer limits

Internet banking transfer limits Daily transfer limits Unlimited Internal transfer There's no dollar limit for transfers made between Community First accounts. $2,500 External Transfers You can transfer a maximum of $2,500 per day to an external account. $10,000 BPAY ® You can pay a bill using BPAY® to a maximum...

Scam watch

Scam watch Protect yourself   The last couple of decades have seen huge changes in how we do our banking and pay for goods and services. Unfortunately, scammers are taking advantage of new technology to generate a number of scams that are potentially very costly and can result in losses.    These...

Mobile banking troubleshooting

Mobile banking troubleshooting Having difficulty with your app?   If you are having issues using our app try our trouble shooting tips below. If you're still unable to fix the problem, we'd like to know about it so we can resolve any issues you may be having quickly. We'd also like...

PayPal

PayPal   What is PayPal?   PayPal is an online service that enables you to buy and pay for things online, as well as send and request money to and from others.    How does it work?   When you set up a PayPal account, you link it to your Community First Credit Union...

Dispute resolution

Dispute resolution Resolving problems Community First Bank offers our members an internal dispute resolution procedure that is readily accessible and free of charge. This page explains the internal dispute resolution procedure at Community First Bank. Let’s talk about it The simplest way of solving a problem is to talk to...

Switch to us

Switch to us We'll help you make the switch   If you’re switching your banking from another financial institution to Community First Bank, we’ll help make the process simple, quick and easy with our account switching service. Simply follow the steps below or download oureBook which includes all the forms you...

Customer Owned Banking Code Of Practice (COBCOP)

Customer Owned Banking Code Of Practice (COBCOP) About the Customer Owned Banking Code of Practice   Around four and a half million Australians bank with a customer-owned banking institution. Accordingly, customer-owned banking institutions add greatly to the competitive landscape in Australia. We meet the same regulatory standards as other banks, and...

Operating joint accounts

Operating joint accounts A joint account is an account held by two more persons. The important legal consequences of holding a joint account are:   the right of survivorship – when one joint holder dies, the surviving joint holders automatically take the deceased joint holder’s interest in the account (for business...

Why choose us

Why choose us We're more connected. More committed. More walk than talk. And that's why our members love us. Our mission. To help members achieve their financial goals by building relationships for mutual benefit.   Our Vision Community First is a member owned provider of financial services in the greater Sydney...

Our People

Our People Board of Directors     STEPHEN NUGENT Member and owner since 2002 B Bus. (Marketing), Grad Cert Internet Mkt., AFAMI, JP, AMP (Harvard) Chair of Directors, Chair of Corporate Governance and Remuneration Committee Mr Nugent joined the Board as a Director in May 2002. Stephen has more than 30 years...

Visa Secure & eftpos Secure

Visa Secure & eftpos Secure Protection when shopping online   Community First offers Visa Secure and eftpos Secure - easy-to-use fraud prevention programs that confirm your identity when you shop online with any participating online merchant. All existing and new Visa cards are automatically registered, joining millions of Visa cardholders, for...

List of Credit Cards Key Fact Sheets

List of Credit Card Key Fact Sheets List of current Community First Credit Card Key Fact Sheets Click on the relevant product below to view the current Credit Card Key Fact Sheet: Low Rate Black Visa Low Rate Pink Visa Low Rate Blue Visa

Mobile Banking app

Mobile banking app Now you can bank wherever you are If you’re out and about, your banking is now more convenient than ever with Community First’s latest mobile banking app. It’s easy to use, safe and secure. All your confidential information is encrypted and protected by your passcode or biometrics...

Mobile Banking App FAQs

Mobile banking app FAQs What is the Mobile Banking app? The Community First Mobile App lets you access most features of Internet Banking, plus it enables you to manage your cards, make payments, set a savings goal, view pending transactions and more. It makes managing your money when you’re on...

Internet banking troubleshooting

Mobile banking troubleshooting Having difficulty with your app?   If you are having issues using our app try our trouble shooting tips below. If you're still unable to fix the problem, we'd like to know about it so we can resolve any issues you may be having quickly. We'd also like...

Politically exposed persons

Politically Exposed Persons     What is a Politically Exposed Person?   A Politically Exposed Person (PEP) is someone who performs important public functions, for example: Heads of state, government and cabinet ministers; Influential functionaries in nationalised industries and government administration; Senior judges; Senior party functionaries; Senior and/or influential officials, functionaries and military...

Whistleblower policy

Whistleblower policy     Summary of Community First Bank’s Whistleblower policy PURPOSE OF THIS POLICY Community First is committed to fostering a culture of honest and ethical behaviour within a safe, supportive, and confidential environment. Our Whistleblower Policy establishes the minimum requirements for:    encouraging, supporting, and promoting the appropriate guidelines for raising...

Fees and charges

Fees and charges You can view our current fees and charges schedules for Community First products and services below. Some of our accounts are eligible for our Member Rebate System which rewards members with transaction fee rebates when you hold more business with us. Information on our Member Rebate system...

Open Banking

Open banking Find out what open banking is and what it means for you. What is Open Banking? Open Banking is a new system that makes it easier for consumers to share their banking and financial data with organisations accredited by the Australian Competition and Consumer Commission. It’s part of...

PayTo

PayTo   What is PayTo?   PayTo is a new, efficient way for you, as a 'payer' to pre-authorise real-time payments from your bank accounts. It's a direct debit alternative.     Our members can use PayTo for one-off payments or direct debit type arrangements they have with a merchant or business, such as...

How do we protect your data

How we protect your data  At Community First, it’s a priority to help protect our members which includes ensuring your information is always secure. We protect your personal information from misuse, interference, loss, unauthorised access or disclosure and modification. The Community First layered security safeguards in place are extensive -...

Financial Abuse

Financial Abuse We're here to help Financial abuse is a serious issue which can come in many forms and involves someone (usually a family member) abusing your relationship to gain control of your finances. It’s important to be aware of the risks of financial abuse and what to look for...

Getting Financial Support

Getting financial support A helping hand when managing your money gets too much People can find themselves experiencing financial difficulty for a range of reasons and it can leave both families and individuals feeling stressed, overwhelmed and out of control. From natural disaster, illness and job loss, to relationship breakdown,...

Health Insurance Savings for Package holders

Now you can save on your home loan and your health insurance! Thanks to our mates at Peoplecare, we've teamed up to bring Accelerator Package holders even more savings.

Remote access scam warning

A reminder to remain vigilant in light of recent reports of remote access scams

Taking care of business

At Community First, we offer flexible business payments to complement our other business banking services. We can offer flexible payment solutions suited to your business's requirements.

Home ownership dreams can come true

Aussie couple from Lake Macquarie realise the Great Australian Dream of homeownership

Are you road ready?

Safe driving – it’s in your hands. Here are a few ways to get your car road ready.

Save big by reducing your credit card interest

Do you know what your credit card interest rate is? A lot of people don’t and the truth is, many credit cards charge very high interest each month. 

Customer Owned Banking

Ingenuity, fair rates and a fair go for all - that’s what we’re built on.

Cyber Security tips when working from home

Working from home can present cyber security challenges

Beware of unsolicited callers

Recent months have seen an increase in unsolicited calls from scammers calling people at home and raising a false alarm that they are at risk of their computer containing a virus or NBN issues. 

Protect yourself from scams

Stay up-to-date on recent scams and what to look out for.

Top tips when working from home

Top tips to look after yourself while working from home.

Community First and PCFA unite with launch of new credit card

Community First has partnered with the Prostate Cancer Foundation of Australia (PCFA) to launch a low rate credit card.

Retirement income worry: Who worries and why?

A special report from National Seniors Australia which focuses on highlighting the worry of people aged 50+ for whom retirement income worries become lived realities.

60 years of people helping people

We recognise members who have been a part of Community First since the beginning

Forgotten your card PIN?

With the newest app update, you can change your card PIN even if you don’t know your current one

Cyber Safety at Tax Time

Learn how you can stay safe

How to be in the best position to buy your first home

It’s important to be well prepared

PayID Privacy

Is PayID safe?

Suffering from Holiday Debt Hangover?

Take the stress out of next holiday season.

Top 5 Tips for the New Financial Year

We can all benefit from making some financial resolutions

Top 3 tips on choosing the right car finance

Here are our top tips help you get the best value

Innovation within the clubs industry

How the humble debit card is providing innovation within the clubs industry

Scamwatch Radar Alert

Don't friend a scammer this Valentine's Day

Fixed vs Variable

Whether you’re looking for your first home, or you have an investment property, the fixed versus variable home loan debate makes it hard to choose.

Spotting Scam Emails

Follow these tips to spot scam emails this Christmas.

Stay Smart Online

It's important to stay smart online. Take a look how you can stay secure.

Meet our mates at Peoplecare!

The folks at Peoplecare genuinely love people.

What's your health worth to you?

Do you understand the importance of private health cover?

5 reasons to see a financial planner

Using a financial planner can be a good way to remedy these issues and build a more effective financial plan with a minimum of fuss. Here are five reasons that may help you decide whether it is the right thing for you.

Update to our fees and charges

We've recently updated our fees and charges

Refinancing and your home loan podcast

Listen to our podcast on refinancing and your home loan. Hosted by Carley Eldridge at Wiseberry Heritage and our very own Regional Partnership Manager, Shane Cridland.

Amazon SCAM - protect yourself now

Now more than ever keeping you and your money safe is of utmost importance. Scammers are using these unprecedented times to take advantage of us.

Trademark win is good news for members

We are pleased to reveal the defence of the ‘Community First’ name via a trademark dispute with Bendigo and Adelaide Bank has been run and won in the Federal Court of Appeal in favour of Community First.

Unlocking your home equity

Australian real estate is enjoying its best returns in decades, with national home values rising by 13.5%[i] for the financial year. With these improved values in mind, it might be time for you to reap some of the rewards by unlocking some of this stellar real estate growth to improve your wealth and lifestyle prospects.

Is Private Hospital Cover Worth It?

In this brief article, well concentrate purely on the news about elective surgery waiting times, specifically in NSW.

Home improvements that can add value to your home

Giving your property a makeover can be an exciting time for homeowners that can also add value to your biggest asset.

How to increase your loan

Increasing your loan can be a convenient way to fund a wide range of needs. Find out how to go about increasing your loan with us.

Banking Explained

Every year media report on the billions of dollars in profits and the bank’s focus on maximising “returns to shareholders”. What some Australians may not know is that there is an alternative - the customer owned banking model.

Open Banking

Find out what Open Banking is, how to manage your data and what the benefits are.

5 tips to prepare for bushfire season

While it’s important to plan for catastrophic events all year round, if you live in a bushfire affected area, we’ve summarised the top 5 tips to prepare for this bushfire season from the experts at the NSW RFS.

Scam Alert

We were recently contacted by the Australian Cyber Security Centre regarding the below scam and wanted to share this information with our members.

Tips to pay your home loan off sooner

Your home loan is one of the biggest expenses you'll likely ever have. For many of us, it can live with us for many decades so paying it off can seem a long way off.

Community First sees record lending

Community First Credit Union has bucked demanding lending conditions created by COVID-19 by funding over $140 million in residential loans in the December 2020 quarter.

Removal of coin counting machines

From 30 April 2021, Community First has made the decision to remove coin counting machines from the following store locations: Liverpool, Mt Druitt, Erina, Penrith, Dee Why, Gorokan, Edgeworth, Warriewood. 

Let us take care of your business

We have now added Business Insurance to the Community First range of competitive insurance products available to members, thanks to our arrangement with CGU Insurance.

We're one of Australia's fastest growing online brands

According to a significant digital industry report, Community First Credit Union is among Australia’s fastest-growing online brands according to web traffic growth in 2020. 

We're here for you

We're here for you during these uncertain times. Together, we will navigate the challenges of the Coronavirus outbreak for as long as it takes.

You make it festive. We'll make it safe.

We don’t mean to be party poopers here, but it’s no secret that throughout the festive season it’s a busy period for all and can often be a time when things can go wrong.

Get Prepared App.

Did you know that only 1 in 5 have thought about preparing for an emergency, and only 1 in 20 have actually done something about it, like creating an emergency preparedness plan.

Cash or finance for solar panels?

Like any other purchase, determining how you will pay for your solar system is an important consideration.

Refinance car loan

If you're deciding whether or not to refinance your car loan, following is some helpful information and things to consider.

Solar loan

Our Solar Loan gives home owners affordable funding choices to make ecofriendly changes to their home and lifestyle.

Changes to credit reporting in Australia

Find out what the changes to credit reporting will mean for you.

Making your home greener

Some of the ways you can reduce your overall household energy consumption.

n0w - the new interest free credit card

In a credit union-first, we’ve launched the innovative n0w credit card.

Let's talk scams

Tips on how to have a conversation about scams with your friends, family, colleagues or even a stranger.

Juggling your finances?

If you want to kick off 2022 with a bang, getting your finances in order may be a good starting point.

Get ready for a new mobile app

Members can look forward to a range of improved services and enhancements.

Green, clean money savers

We all enjoy saving money. And if we can help the planet at the same time, so much the better.

Erina Store has moved

Our relocation is complete and our brand new Store is now open!

App-solute convenience

Businesses can get set to take payments in as little as 5 minutes.

Stay-vigilant-when-it-comes-to-scams

Scams can be sophisticated, convincing and ever changing.

A kids guide to using the internet securely

Cat memes, fail videos, face filters - the internet can be great, but not all users are there for the right reasons.

Jargon busting your way into a home

Buying a home is a significant purchase. Let us break down the home buying jargon.

Closure of NAB (08) BSB Member Chequing Facility

The NAB (08) BSB Member Chequing Facility will no longer be in operation from 1 June 2022.

Paving the way for our next chapter

As a “Customer-Owned Bank”, our community-based stores located around Sydney can rightfully call themselves ‘Community Banks’, and we have begun referring to our brand as ‘Community First Bank’.

Managing your money as interest rates rise

With the Reserve Bank of Australia (RBA) announcing on 7 June that the cash rate is going up by 50 basis points (or 0.5%) to 0.85%, and talk of more rate rises to come, home owners may be wondering how this will affect them.

How to stay vigilant at tax time

Tips on how to stay alert and be cautious during the tax season.

Tax Lodgment Email Scam 2022

It is essential that we all put our ‘Scam Cam’ on this tax season.

2023 64th Annual General Meeting

Community First is a member owned organisation. As a member, you can attend the Annual General Meeting (AGM) to catch up with the past year’s performance; to listen to plans for the future; to have your say and to vote on any matter on the Agenda. 

Give your budget some certainty with term deposits and limited access savings accounts

If your savings need some discipline, certainty or simply a sense of security, term deposits and limited access savings accounts can be the right solution

ACCC warning of suspicious messages as "Hi Mum" scams spike

Scamwatch is urging the public to be wary of phone messages from a family member or friend claiming they need help, following a significant rise in “Hi Mum” scams in recent months.

How to REALLY compare home loans

When selecting a home loan, it’s essential to understand how much a loan could cost you each year, particularly when comparing different loans.

Budget planner calculator

Budget planner calculator

Extra repayments calculator

Extra repayments calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees &...

Loan repayment calculator

Loan repayment calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees &...

Income tax calculator

Income tax calculator The information in this calculator acts as a guide only and is based on the limited information provided. The actual tax payable by you will depend on your personal circumstances. You are responsible for ensuring independent verification for its accuracy or completeness and should seek professional tax...

Loan comparison calculator

Loan comparison calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees &...

Stamp duty calculator

Stamp duty calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees &...

Personal loan calculator

Personal loan calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. "Credit eligibility criteria, terms & conditions, fees &...

Credit card comparison calculator

Credit card comparison calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or credit card you must complete an application.  "Credit eligibility criteria, terms & conditions, fees...

Calculators

Calculators This page lists all of Community First's calculators which you can use to help you manage your finances, compare products, see how much you could save and more. Expense planner Enter and compare your income and expenses weekly, fortnightly or monthly to help with budgeting. Personal loan See what...

Rates and fees

Rates and fees For more information on applicable interest rates on loans and deposits, you can view the interest rate schedules below. Loans interest rate schedule Our loan interest rate schedule includes all interest rates and comparison rates for our loans. Deposit interest rate schedule Our deposit interest rate schedule...

Online forms

Online forms On this page you will find links to some common forms used by Community First. If you can't find a form you're looking for, simply contact us .   Loans   Reduce Credit Card Limit or Cancel Credit Card Account (You'll be shown an information page which includes links to...

Home loan fact sheet calculator

Home loan key facts sheet calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Home Loan you must complete an application.

Products no longer offered

CAPE products no longer offered Deposit products Target Savings (specified savings) account 0.00% p.a.^ - Up to $999 0.10% p.a.^ - $1,000-$4,999 0.20% p.a.^ - $5,000 and over NBCU products no longer offered Loan products Interest Only Interest rate and comparison rate available on request.  Overdraft/Visa 14.45% p.a.* Interest rate...

Key Fact Sheet

Home Loan Key Facts Sheet Calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms &...

Borrowing Power Calculator

Borrowing Power Calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees &...

Deposit Planner calculator

Deposit planner The savings plan calculator helps you work out total interest paid if interest is paid at maturity. This calculator does not include interest paid monthly. The results from this financial calculator should be used as an indication only and is not intended to be relied on for the...

Expense Planner calculator

Expense Planner Calculator

Refinance calculator

Refinance Calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for a Community First Loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees & charges...

Open Banking Product API

Open Banking Product API Our product API enables third parties to access information about Community First’s products, such as interest rates, fees, features, eligibility and other general information in a machine readable format. Members may see this product information when using a product comparison website. How does it work? The...

Target Market Determinations

Target Market Determinations From 5 October 2021, Community First is required to comply with new Product Design and Distribution Obligations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. These obligations put in place a framework to ensure financial institutions put customers at the...

Swift Code

Swift Code Our Swift Code is CUSCAU2SXXX.

Buying and selling costs calculator

Buying and selling costs calculator Credit eligibility criteria, terms & conditions, fees & charges apply.

Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170