1300 13 22 77Retired home and personal loan, and credit card products
(products no longer offered)
Community First Bank personal loan products
Variable Personal Loan
11.99% p.a.* Interest rate
NBCU Overdraft/Visa
14.45% p.a.* Interest rate
Community First Home loan products – retired 12 August 2025
The key attributes of the True Basic Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- no mortgage offset account
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Balance Variable Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the True Value (Standard Variable) Home Loan are:
- variable rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset Savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Fixed Home Loan are:
- fixed term of 1, 2 or 3 years
- after the fixed rate term, the loan reverts to the corresponding Balance Variable home loan as per your loan contract
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Standard Offset savings account available
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
The key attributes of the Accelerator Package Variable Home Loan are:
- variable rate discounted by 2.40% from the relevant retired Standard Variable interest rate
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Package Offset account available as a transactional savings account with Debit Card Access (limit 2 per Accelerator home loan)
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
- refer to the Accelerator Home Loan Fact Sheet for all package features and benefits here
The key attributes of the Accelerator Package Fixed Home Loan are:
- fixed term of 1, 2 or 3 years
- after the fixed rate term, the loan reverts to the corresponding Accelerator Package Variable home loan as per your loan contract
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- 100 % Package Offset account available as a transactional savings account with Debit Card Access (limit 2 per Accelerator home loan)
- refer to the current Fees and Charges schedule for fees that may apply
- refer to the Retired Loan Interest Rate Schedule for current interest rates at the bottom of this page
- refer to the Accelerator Home Loan Fact Sheet for all package features and benefits here
Illawarra Credit Union home loan products – retired 12 August 2025
The key attributes of the Standard Variable Home Loan are:
- variable rate
- 100% offset account
- Redraw facility
- Interest calculated daily on outstanding balance and charged at the end of the month
The key attributes of the Works Package Fixed Home Loan are:
- Access to a transaction account with no monthly fee and Visa Debit card
- Redraw not available
- Additional repayments limited to $500 per month, above scheduled minimum monthly loan repayment
- Access to no annual fee on the ‘No Bull’ low rate credit card (provided terms of ‘The Works’ package are met)
- Interest calculated daily on outstanding balance and charged at the end of the month
- $395 annual package fee for up to five (5) loans
- Home loan repayments must be direct debited from an eligible transaction account, annual package fee is payable yearly
- ‘The Works’ package owner occupier Fixed P&I and Interest Only (IO) will revert to Variable counterpart)
The key attributes of the Works Package Variable Home Loan are:
- 100% Offset account
- Redraw facility
- Access to no annual fee on the ‘No Bull’ low rate credit card (provided terms of ‘The Works’ package are met)
- Interest calculated daily on outstanding balance and charged at the end of the month
- $395 annual package fee for up to five (5) loans
- Home loan repayments must be direct debited from an eligible transaction account.
- Annual package fee payable yearly.
The key attributes of the Bare Essentials Fixed Rate are:
- No ongoing monthly or annual fees
- Redraw not available
- Additional repayments limited to $500 per month, above scheduled minimum monthly loan repayment
- All payments to be made from the eligible transaction account
- $6 monthly account keeping fee waived on eligible transaction account while the loan is held (other fees and charges may apply)
- Owner occupied fixed rates revert to the Bare Essentials P&I variable owner occupied interest rate after the fixed period. Investment fixed rates revert to the Bare Essentials P&I Variable Investment interest rate after the fixed period
The key attributes of the Bare Essentials Variable Rate are:
- No ongoing monthly or annual fees
- All payments to be made from the eligible transaction account
- $6 monthly account keeping fee waived on eligible transaction account while the loan is held (other fees and charges may apply)
The key attributes of the 2 Year Introductory Variable Home loan rate are:
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.
- Variable home loans that comes with an offset account, redraw facility and the ability to choose your repayment frequency.
The key attributes of the Variable Lite Home Loan & Variable Invest Lite Home Loan rates are:
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.
- Our variable lite home loan for gives you flexibility along with all the inclusions including an offset account.
Illawarra Credit Union personal loan products – retired 12 August 2025
The key attributes of the ICU Fixed Personal Loan are:
- Fixed rate
- Loan terms up to 5 years
- No monthly account fees
- Fee-free additional payments to pay off your loan sooner
- Fee free redraw option
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month
The key attributes of the ICU Secured Fixed Personal Loan (used) are:
- Fixed rate
- Loan terms up to 5 years
- For purchasing motor vehicles or anything preloved (no older than 5 years at the time of application)
- Fee free additional payments to pay off your loan sooner
- Redraw any additional loan repayments you have made (note: staff assisted redraw fee applies)
- Flexible payment options of weekly, fortnightly or monthly
- No account keeping fees
- Interest calculated daily on the outstanding balance and charged monthly in arrears on the last day of the month
The key attributes of the Secured Fixed Loan (new) are:
- Loans from $10K up to $100K
- Loan terms up to 5 years
- For purchasing motor vehicles or anything preloved (no older than 2 years at time of application)
- Fee free additional repayments to pay off your loan sooner
- Redraw any additional loan repayments you have made (note: staff assisted redraw fee applies)
- Flexible payment options of weekly, fortnightly or monthly
- No account keeping fees
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month
The key attributes of the Online Personal Loan Package are:
- Loans from $10K up to $100K
- Loan terms up to 5 years
- Suitable for purchasing motor vehicle, bike, boat, caravan or pleasure craft that can be used as security (no older than 2 years old at the time of application)
- Fee free additional payments to pay off your loan sooner
- Redraw any additional loan repayments you have made (note: staff assisted redraw fee applies)
- Flexible payment options of weekly, fortnightly or monthly
- $5 monthly loan fee
- $200 application fee
- 100% offset account (no monthly account keeping fee on offset account)
The key attributes of the Green Car Loan (secured) are:
- Loans from $10K up to $100K
- Loan terms up to 7 years
- For green or lower emission vehicles (no more than 2 years old at time of application)
- $5 monthly loan fee
- Interest calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month
The key attributes of the Green Eco Loan are:
- Available to personal borrowers buying green products
- Principal & Interest loans
- Loan amounts from $5K to under $50K
- Loan terms up to 10 years
- Make extra repayments whenever you like to reduce your loan and interest you pay
- Redraw any additional loan repayments you have made (note: staff assisted redraw fee applies)
- Interest calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month
- $10 monthly personal loan fee, charged to the personal loan offset account
Illawarra Credit Union business loan products – retired 12 August 2025
The key attributes of the ICU Business Term Loan (Secured) are:
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.
The key attributes of the ICU Business Term Loan (Unsecured) are:
- Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.
- Our Business Term Loan (unsecured) includes a competitive interest rate and redraw available.
The key attributes of the ICU Business Overdraft (Secured and Unsecured) are:
- Interest is based on a Variable rate, calculated daily and charged monthly on the amount used.
Community First Bank Credit Card products
Low Rate Credit Card
S31 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 13.99% p.a. 2
S32 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.00% p.a. 2
S33 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 11.99% p.a. 2
S34 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 13.00% p.a. 2
S35 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.99% p.a. 2
S36 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 12.50% p.a. 2
S52 Low Rate Credit Card
Variable interest rate on retail purchases, cash advances and balance transfers – 9.25% p.a. 2
S8 n0w Credit Card
- No interest on purchases or cash advances (cash advance fee applies)
- No monthly fee if you have a $0 balance for the whole calendar month and don’t use the card for the entire calendar month
- Minimum repayment of 2.5% of the closing balance of your statement or $20, whichever is greater
Retired Loan Interest Rate Schedule
For details about our retired home loan interest rates, please refer to the current schedule below.
Fees and charges
For details or more information about our fees and charges, please refer to our current schedule.
Credit eligibility criteria, terms and conditions, fees and charges apply.
*Rates are effective as at 06/03/26 and subject to change without notice.
**The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. ^^The comparison rate is based on a loan amount of $30,000 over 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 in a different comparison rate.
2 Rates are effective as at 01/05/2024 and subject to change without notice.