An account to manage cash from investments, super or just another way to manage expenses without a card.


Earn tiered interest depending on your balance in the account - calculated daily and paid tri-annually.


Pay bills via BPAY ® and direct debit, plus set up regular credits and periodical payments.

Money Market account balances


Variable interest rate:

0.15 % p.a. 1

Interest rate for balances $100,000 and over

$20,000 - $99,999

Variable interest rate:

0.10 % p.a. 1

Interest rate for balances $20,000 - $99,999

$10,000 - $19,999

Variable interest rate:

0.05 % p.a. 1

Interest rate for balances $10,000 - $19,999

Up to $9,999

Variable interest rate:

0.00 % p.a. 1

Interest rate for balances up to $9,999

Flexible options

You have the option to link a cheque book or overdraft 2 for even greater flexibility and convenience when it comes to managing your money.


Monthly fee

A monthly account keeping fee does not apply.


Opening balance

Open an account with $5,000 and there are no ongoing minimum balance requirements.


Maximum monthly rebate

Depends on the total value of loans and deposits with us.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Fees and charges

Fees are charged on a pay as you go basis so you may be charged a fee for things like direct debits, external transfers and specially requested services. Refer to our latest fees and charges schedule below for a full list of fees and charges and information on our member rebate structure.

You can view Target Market Determinations here

1 Rates are current as at 21/01/21 and subject to change without notice. 

2 Credit eligibility criteria, terms & conditions, fees & charges apply.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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