Rating based on 1,483 reviews


Community First Credit Union


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.

We pass the benefits from earnings to our members.

In this way, we are able to offer a comprehensive range of products and services, including credit cards, 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 loans 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 continue to expand and to evolve.

We become ever better in what we do and this enables us to enhance the experience of our members even further.

Services – Community First Credit Union

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

Obtain an additional card at no cost

As a member-owned organisation, we do not work to achieve high shareholder profit. We offer 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 a personal cash loan.

Paying it Forward

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.


Interest Rate

From 0 %


Summary of Services

  • Credit Cards
  • Personal Loans
  • Car Loans
  • Home Loans


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

Community First Credit Union has the 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 thee recommended time frames.

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

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


Customer Reviews & Testimonials

 Contact Details

Shop GR164, Rouse Hill Town Centre, 10-14 Market Lane, Rouse Hill, NSW , 2155, Australia
Ph: +61 2 9735 1792 / 1300 13 16 99
Fx: 02 9735 1661
Em: askus@communityfirst.com.au

 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