Community First Credit Union was formed in 1959 and ranks among New South Wales’ top credit unions. Responsible for over 75,000 of Australia’s credit union customers, Community First manages over $700 million in assets.
Community First offers a range of financial products including personal loans, saving accounts, home loans and insurance products. Community First is owned and run by a community of shareholders which enables it to offer lower interest rates and fees than some of its corporate competitors.
Over the years Community First has won several awards from the finance industry’s leading authorities including Money Magazine’s Best of the Best, Your Mortgage Magazine and Financial Review Smart Investor Blue Ribbon Awards.
Community First Home Loan Calculator
Interested in a Community First home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Community First compares to its competitors. Simply plug in your borrowing amount below.
- Suitable for low deposits.
- Opportunity to bundle financial products together.
- Offers discounts on the interest rate.
- Split loan options are included.
- Some products include fees.
- Early exit fees apply to some products.
Community First home loan customers can get in touch with the credit union in several ways. Those who would like to speak directly to a member of staff can call the customer services centre by phone or visit one of the many branches located along the New South Wales coast. Customers can also make an enquiry thorough the website or via email. Basic account functions can be carried out through the mobile banking app or internet banking services.
- Customer service centre (phone)
- Mobile app
- Online banking
Community First Credit Union Home Loan Calculator
Cash Out Amount
Remaining loan term:
26 years and 8 months
Savings over 10 years
Savings Over Years
Estimated upfront fees
Go To Site
Savings Over Years$22.8kSavings over 10 years
Savings Over Years$16.7kSavings over 10 years
Savings Over Years$18.6kSavings over 10 years
Savings Over Years$14.9kSavings over 10 years
Advertised rate3.89%Fixed - 3 years
Savings Over Years$27.8kSavings over 10 years
Advertised rate3.99%Fixed - 3 years
Savings Over Years$25.4kSavings over 10 years
Community First Credit Union Home Loans
Community First Credit Union Fixed Rate Loan InvestorFixedRefinancer
The Community First Credit Union Fixed Rate Loan allows you to lock in a low interest rate for up to three years while still providing a range of attractive features. The loan has the added advantage of charging no ongoing fees and allowing borrowers to borrow up to 95 per cent of the property value.
Community First Credit Union True Loan InvestorVariableRefinancer
The Community First Credit Union True Loan options give borrowers with a number of flexible features in a simple and straightforward package.
Community First Credit Union Accelerator Package Loan InvestorVariableRefinancer
The Community First Credit Union Accelerator Package Loan is full of features to help you minimise your interest repayments and pay off your loan sooner.
How to Apply
Should Community First customers require assistance with their home loan application they can call the customer service centre or enquire online. Alternatively, if customers are based along the New South Wales coast they can visit a branch for face-to-face advice. To ensure a loan is affordable customers should calculate how much they can afford to borrow comparing a range of terms and interest rates. Applicants will be required to provide standard documentation that may include:
- Personal identification material.
- Proof of income – whether you are self-employed or work for an employer.
- Proof of other income, including rental.
- Information regarding your current debts, liabilities and assets.
- Personal insurance documents.