Rating based on 44 reviews

Community First Credit Union


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  • Low rate cards
  • Low-interest starting from 8.99%

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Author Community First Credit Union. Screenshot of Community First Credit Union website. [Accessed September 14, 2021]

About Community First Credit Union

Since 1959, Community First Credit Union has been providing effective financial and banking solutions to its members.

As a financial institution, we have complete stability and excellent management. In this way, we are able to offer a comprehensive range of products and services, including credit cards in Australia, with competitive interest rates and lower fees plus excellent professional support. For more than 55 years, we have been focused on building partnerships with our members.

Competitive rates

We have always delivered more competitive interest rates and lower fees on savings accounts and personal finance compared to competitors.

Over the years, we have overcome various challenges, introduced innovative solutions and technologies and enjoyed stable growth, which has always benefitted our members. We become even better in what we do and this enables us to enhance the experience of our members even further.

Community First Credit Union Services

In our credit card range, you can select from the standard Low Rate Visa Card, Black Low Rate Visa Card and Pink Visa Card provided by Community First Credit Union.

As a member-owned organisation, we do not work to achieve high shareholder profit. We offer an initial rate of just 4.74% p.a. on cash withdrawals and transfers of balances as well as on purchases from retail stores for 9 months. 

An ongoing rate of 8.99% p.a

You can have an interest-free period for purchases of up to 55 days. The annual fee is just $40. You are free to choose a credit limit. It can be as low as $1,000 or as high as $15,000 - for more you can opt for personal finance.

Half of the annual fee on our Cards is donated to the McGrath Foundation. The $20 is used for funding the foundation's Nurses who work in different communities around the country and for creating greater breast cancer awareness among the young people in Australia.

Community First Credit Union Credit card

  • Loan Type Credit cards
  • Interest Rate from 8.99%

Benefits of Community First Credit Union

  • Flexible repayment terms
  • Conveniently apply online
  • Low rate credit cards
  • Compare credit cards

Community First Credit Cards - Fast and Secure Credit in your Wallet

Community First Credit Union has credit card products that help purchasers make their credit rating grow and handle their finances properly.

Our clients can enjoy all the superior options of having a convenient way to pay for whatever they want wherever they are at a quick swipe of their credit card.

Shopping is now easier than ever before

Our secure online shopping solution can allow you to shop with your credit card online with no hassles, and still have the secure shopping experience they expect.

Clients get to increase their credit limit on their credit card after 6 months, allowing you even more financial freedom to afford the things you need, as well as unexpected bills that crop up during your daily life.

Medical bills, car repairs, household expenses and much more can be covered at the swipe of your credit card from Community first credit union.

Reasons to choose us

We offer a bigger range of products, lower fees and competitive interest rates. 

With over 5 million satisfied credit card clients in the country, we have this superior credit card option to suit your needs and lifestyle.

We are completely focused on our client’s needs. We will go the extra mile to ensure we can assist you with your financial requirements.

Responsible lending - always

We enforce responsible lending to our customers and will assist with any recommendations, queries and questions pertaining to new and existing account holders. Apply for credit online today and get instant cash for when you need it.

No more waiting for loan approvals, standing in line at the back, or borrowing from friends and family.

Flexible repayment terms

We give you the flexibility to pay off your credit card balance interest-free over a certain period or pay in instalments over the recommended time frames.

As a recognised award-winning financial institute, Community First Credit Union takes great pride in keeping up its moral promises and commitment to its clients.

We always look forward to sharing our wealth of knowledge and expertise with our new clients and offering a personal finance solution to help them grow.

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Community First Credit Union is a trusted & reliable provider of credit cards

In our review, Community First Credit Union adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

Community First Credit Union is a registered credit provider in Australia; ACL 231204

Customer Reviews & Testimonials

April 2019

I am the type of person that prefers online shopping because it is simpler and more convenient. Unfortunately, in the past online shopping became a schlep due to credit cards being slow. Communit...

Paula G
— Perth —

May 2019

Community First is a responsible lender – you will not need to second guess them in the fine print. They discussed everything of relevance with me and ensured that everything in the contract was ...

Daniel A
— Adelaide —

Community First Credit Union Contact

Physical Address

  • Shop GR164, Rouse Hill Town Centre, 10-14 Market Lane Rouse Hill NSW 2155 Australia
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Postal Address

  • PO Box 98, Lidcombe, New South Wales, 1825, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 19:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 12:00
  • Sunday – Closed