Access
An everyday account for members aged over 55, are retired or receive an eligible pension.
Rewarding
Earn tiered interest depending on the balance in your account - calculated daily and paid tri-annually.
Convenient
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.
Features
$0
Monthly account fee
A monthly account keeping fee does not apply.
$2
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.
$31
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 moreFast Payments
Osko
Send and receive money to participating financial institutions in seconds, 24/7.
How it worksFees 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