Be scam aware. We’ll never ask you for your Internet banking password, nor will we ever ask you to move money to another Community First account or other financial institution. If you’re ever unsure, call us back on the number published on our website. If you’re asked to open an account at another financial institution, do not proceed.


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


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


Use your own money to securely shop in-store and online, pay bills via BPAY® and direct debit, access cash and more.

Retirement plus account

Balances $100,000 and over

Variable interest rate:

2.50% p.a. 1

Interest calculated daily and paid tri-annually.

Balances $10,000 - $99,999

Variable interest rate:

1.50% p.a. 1

Interest calculated daily and paid tri-annually.

Balances up to $9,999

Variable interest rate:

0.10% p.a. 1

Interest calculated daily and paid tri-annually.

Flexible options

A debit card is optional which you can use both in Australia and overseas. Plus you can choose to add an overdraft 2 for even greater flexibility and convenience.



Monthly account fee

A monthly account keeping fee does not apply.


Debit card fee

A monthly fee which is charged only if you choose to have a debit card.


Transaction fees

ATM withdrawals, direct debits and external transfers may incur a fee.


Maximum 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.


Tap and go

Mobile Payments

Make payments via Apple Pay 4 , Google Pay 3 and Samsung Pay 5 .

Find out more

Fast Payments


Send and receive money to participating financial institutions in seconds, 24/7.

How it works

Fees and charges

Fees are charged on a pay as you go basis so you may be charged a fee for things like ATM withdrawals, 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 09/11/23 and subject to change without notice.

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

3 Google Pay is a registered trademarks of Google Inc.

4 Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

5 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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