Rating based on 44 reviews

Community First Credit Union

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

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Community First Credit Union homepage
Author Community First Credit Union. Screenshot of Community First Credit Union website.
[Accessed March 17, 2023]

About Community First Credit Union

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

The company provides a comprehensive range of products and services, including credit cards in Australia. All cards have competitive interest rates and lower fees than most of their competitors.

Affordable credit cards in Australia

Due to their competitive rates and low fees, the company is already a leading provider in the area. Over the years, they have overcome various challenges and introduced innovative solutions and technologies that led to stable growth. This, in return, dramatically benefits their members because it enhances the members' experience even further. 

Providing simple finance solutions 

Clients can apply for products and services using the online system or even over the phone. Their services are available in Sutherland Shire, the Huner Region and Western Sydney. They offer a range of products that range from everyday banking to home loans and credit cards. Many awards in the finance industry have recognised Community First over the years for providing outstanding service.

Community First Credit Union Services

Clients need to have a reasonable credit limit; luckily, Community First provides different cards with different credit range values.

Depending on their credit range, clients can choose between the standard Low Rate Visa Card, Black Low Rate Visa Card and the Pink Visa Card.

Low purchase and transfer rate

Community First is a member-owned organization and thus make sure that their members want to stay for the long run. For nine months, the company offers an initial rate of just 4.74% per year on cash withdrawals and transfers of balances and purchases from retail stores.

A stable, Low-interest rate 

Clients receive a constant interest rate of 8.99% per year, but most cards allow for an interest-free period for purchases of up to 55 days. Not only do customers save on interest, but they also only pay $40 towards the annual card fee.

Credit limit evaluations do apply

Clients mostly choose their credit limit, but Community First does work out the maximum limit. It can be as low as $1000 or as high as $15 000 for all credit card solutions. For those who have access to more cash, there are excellent personal finance solutions available.

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.

Clients have the opportunity to pay for what they need, wherever they want, by a simple swipe of their credit card. With Community First, they enjoy this convenience with the added benefit of receiving interest-free periods and rewards.

Shopping is now safer than ever before

The company has secure online shopping solutions thanks to visa security, which provides added protection to online purchases. All cards also come with added security benefits where clients can reduce their credit limit at any time and also report a lost or stolen card using the banking app.

Clients can increase their credit limit 

For those who can keep up with repayments every month, there is the option to improve their credit limit after six months of banking with Community First. This provides them with more financial freedom to afford the things they need and pay for unexpected bills.

Reasons to choose Community First

  • The company offers a range of products, lower fees, and competitive interest rates.
  • They have over 5 million credit card in Australia clients, which means that they are the most trusted provider in the area.
  • They are entirely focused on the client's needs and will go the extra mile to ensure that they receive the perfect product that matches their financial situation.

Flexible repayment terms on all credit cards

Community First gives clients the flexibility to pay their credit balance interest-free over a certain period or pay installments over the recommended time frames. They always share knowledge and expertise with new clients to help them reach their goals.

man holding thumbs up

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, 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