Rating based on 34 reviews

Community First

  • Credit union loans up to $100,000
  • Low-interest starting from 8.99%
  • Repayment up to 60 months

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Community First homepage
Author Community First. Screenshot of Community First website.
[Accessed May 26, 2023]

About Community First

Community First Credit Union is one of Sydney’s leading credit unions with 15 service branches and a family of close to 70,000 loyal members.

Achieve your goals

A big part of Community First Credit Union’s core principals is to help their members achieve their financial goals by offering them competitive financial products and service at low rates.

From buying a house to setting up a savings account that delivers above average returns – this credit union can help set you up for life and ensure you save thousands in fees and interest.

Staying on top of innovations

When it comes to banking many Australians that are currently with a traditional bank feel that they won’t get the high-level tech and innovative application and features they do at a multinational bank from a credit union.

Community First Services

Community First Credit Union offers financial and insurance products at some of the lowest rates in the country.

Products for individuals:

  • Everyday transactional accounts
  • Savings accounts
  • Home loans
  • Personal loans
  • Car loans
  • Term deposits
  • Credit cards

Credit cards

Community First Credit Union offers an award-winning low rate credit card with a 6-month introductory offer of 3.99% per annum on everything including new purchases, balance transfers and cash advances after which it reverts to the 8.99%.

Community First – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 8.99%
  • Loan Amount up to $100,000
  • Repayment 30 days to 60 months

Benefits of Community First

  • Affordable financial products
  • Apply for a loan with a credit union
  • Interest rates are low
  • Flexible repayment terms

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This credit union loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Applying for credit with Community First credit union and enjoy added benefits

In addition to offering great credit card products and some of the most affordable and flexible personal loans on the market – the service you will receive from the Community First Credit Union team is superior to that of mainstream banks.

Always improving

As with all credit unions, they reinvest any profits back into the credit union to bring customers better, more affordable and useful products and services.

In February, Community First Credit Union completed a major upgrade to their online banking platform which not only looks and feels better but is better from a functional perspective.

Low-rate solar loan

Investing in solar panels to power up your home has never been easier or more affordable and now just about anyone can do it with Community First’s solar loan.

This product is certainly one of a kind and just shows how a credit union will go above and beyond for their members and the environment while banks will remain profit-orientated.

Android and Apple Pay

With a Community First Credit Union credit card, you can pay via Apple Pay using a mobile phone, an Apple watch or iPad. You can also download the Android Pay Application for other devices.

Apply for credit

To get a loan you can complete an online loan application with Community First Credit Union or download an application form via their website.

This can then be handed in at one of their service centres or sent to them electronically. You can also get a quote on anything from a home loan to a quick loan for travel purposes online.

You must, however, first become a member – which is something that can also be done online.

Treating you better

According to its website, Community First Credit Union is committed to treating its members like they matter and not like their banking with a regular shareholder-owned bank. They want to treat you like you matter and according to their members, they get it right.

man holding thumbs up

Community First is a trusted & reliable provider of credit union loans

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

✅ Community First is a registered credit provider in Australia: ACL 231204

Customer Reviews & Testimonials

October 2018

With the help of the Apple and Android Pay, I am now able to make even faster payments from my accounts. Community First is always finding new ways to incorporate the latest technology in order t...

Andrea B
— Broome —

December 2018

For the best customer service in the country, I would strongly recommend joining the Community First family. They know how to take care of their customers. With well-trained, professional and fri...

Cameron D
— Bunbury —

February 2019

The Community First online application has saved me a world of time. I now do not need to worry about heading to the bank but can complete everything that is required right from the comfort of my...

Elsa F
— Kambalda —

March 2019

I was pleased to see that Community First does not hide behind fine print. Everything that I needed answered was dignified with proper response and all costs and charges were laid out before me. ...

Ivan K
— Derby —

April 2019

In addition to their good quality products and deals, I received treatment fit for royalty. Their expert team of financial advisors was able to answer all of my questions, put my concerns at ease...

Lionel S
— Beechworth —

Community First Contact

Physical Address

Postal Address

  • PO Box 98 Lidcombe, NSW, 1825, Australia

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 15:00
  • Sunday – Closed