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.

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.