Rating based on 16 reviews

Family First

  • Credit union loans up to $50,000
  • Low-interest starting from 14%
  • Repayment up to 3 years

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

About Family First

Credit unions in Australia are gaining popularity with almost a quarter of Australians now being a member of one.

Family First Credit Union is one of the country’s largest and most successful credit unions – bringing members lower rates, better returns and superior customer service.

This credit union offers home loans, vehicle loans, personal loans, savings accounts, term deposits, overdraft facilities and a range of competitive insurance and financial services and products.

Lowest rates

Family First Credit Union offer some of the lowest interest rates on the market on their car and home loans and some of the best features and returns on their term deposit products.

Financial advice

Family First Credit Union have a very informative set of articles and guides which cover things like how to manage your credit card to buying a new car and getting the finance you need for it.

Family First Services

Family First Credit Union offers low rate vehicle finance for new cars at rates as low as 5.99% per annum.

This rate is one of the most competitive in the industry and will help save you thousands in the long run.  In addition to car loans for new buys they also offer finance for the second-hand card up to 5 years old.

Home loans

Family First Credit Union offers a range of mortgage and remortgage options which can suit anyone from the first time home buyer to the experienced property investor.

Their discounted variable rate home loans offer you a rate that sits 1% below the standard for 12 months or 0.5% below the standard for 24 months and that’s simply unprecedented in the market.

In addition to the above discounted variable rate home loans they also offer loans for constructing a home, bridging loans, 3 year fixed rate home loans and interest only home loans.

Family First – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 14%
  • Loan Amount up to $50,000
  • Repayment 30 days to 3 years

Benefits of Family First

  • A wide variety of financial products to choose from
  • Low-interest rates on all loans
  • Insurance

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.

Become a member & start saving!

As one of the country’s leading credit unions, Family First Credit Union also have some of the most competitive products on the market and – allows anyone to join them regardless of where they reside within Australia.

Here are a few products, benefits & features they offer:

  • 10 savings account products that will suit just about everyone and for any purpose
  • Free financial guides loaded with good practical advice
  • Industry-leading term deposit account products
  • Low-rate car loans for new and used vehicles
  • Variable, fixed, interest only and bridging home loans at low rates
  • Everything from home and contents insurance to car and caravan insurance
  • Products designed for people who travel often or are planning to travel – everything from multi-currency passports to travel insurance
  • Excellent and personalized customer service
  • Financial planning services from Bridges
  • Online banking and cutting-edge safety and security features

Applying to become a member of Family First Credit Union is as simple as can be with the option to apply online or in the branch.

Becoming a member

If you choose to apply online you will have to complete a membership application form and provide the credit union with acceptable identification. You will then be asked to subscribe for a member share in the credit union.

Members will also be able to complete online loan applications, do their banking online and make use of all Family First Credit Union’s tools and guides online – just like with a traditional bank but with better service.

Here are some benefits:

  • Lowest rates on the market
  • No monthly fees
  • Make extra payments with no penalty
  • Redraw facility available
  • Loans for new and used cars
  • Repay early with no penalties

Savings comes first

As a credit union, their focus isn’t on selling you more debt but rather on helping you achieve your goals while saving for your future.

If you’re looking for a term deposit product or a savings account with a good return then their products will beat anything you’ll find at a traditional bank.

man holding thumbs up

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

In our review, Family 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.

✅ Family First is a registered credit provider in Australia: ACL 241068

Customer Reviews & Testimonials

March 2019

It is evident that family first does indeed place the wellbeing of its members above profiteering efforts. I was pleasantly surprised to see that their rates are some of the best around and offer...

Nicholas T
— Castlemaine —

April 2019

Banking with Family First is a simple and pleasurable process. Usually financial institutions charge and arm and a leg on monthly fees but Family First don’t have any! Save your money today and t...

Mandy B
— Hamilton —

May 2019

With the assistance of Family First, I was able to repay my loan a lot faster than I expected. And this is all thanks to their policy allowing for additional repayments and early repayment at no ...

Oliver C
— Melbourne —

Family First Contact

Contact Number



Physical Address

Postal Address

  • P.O. Box 386, Lithgow, 2790, Australia

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 10:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed