Community First Credit Union is a mutual organisation that has been in operation since 1959. Unlike banks, who make profits to pay dividends to shareholders, it’s a member-owned and -run financial institution.

Community First Credit Union is based in New South Wales, has 68,000 customers throughout Australia and $940 million in assets.

Community First Credit Union doesn’t have an extensive range of home loans. Instead, it focuses on delivering competitive mortgage rates on the mortgages it offers.

Community First Credit Union home loans

Accelerator Package Home Loan (Principal and Interest) ($250k+) (New Customer)SpecialLow rate and $0 application fee. Apply before 8 August 2018.
Advertised rate
3.59%
Variable
Upfront fee
$600.00
Comparison rate*
3.99%
Ongoing fee
$395 annually
Compare
Basic Variable Home Loan (Principal and Interest) (LVR < 80%)
Advertised rate
4.10%
Variable
Upfront fee
$990.00
Comparison rate*
4.16%
Ongoing fee
$0
Compare
Basic Variable Investment Loan (LVR < 80%)
Advertised rate
4.50%
Variable
Upfront fee
$990.00
Comparison rate*
4.56%
Ongoing fee
$0
Compare
Accelerator Package Home Loan (Principal and Interest) ($250k+)
Advertised rate
4.27%
Variable
Upfront fee
$990.00
Comparison rate*
4.72%
Ongoing fee
$395 annually
Compare
Fixed Rate Home Loan (Principal and Interest) 3 Years (New Money Offer)
Advertised rate
3.69%
Fixed - 3 years
Upfront fee
$990.00
Comparison rate*
4.93%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 3 Years
Advertised rate
3.99%
Fixed - 3 years
Upfront fee
$990.00
Comparison rate*
4.99%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 2 Years
Advertised rate
3.85%
Fixed - 2 years
Upfront fee
$990.00
Comparison rate*
5.05%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 1 Year
Advertised rate
3.79%
Fixed - 1 year
Upfront fee
$990.00
Comparison rate*
5.14%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 3 Years
Advertised rate
4.39%
Fixed - 3 years
Upfront fee
$990.00
Comparison rate*
5.40%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 2 Years
Advertised rate
4.25%
Fixed - 2 years
Upfront fee
$990.00
Comparison rate*
5.46%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 1 Year
Advertised rate
4.19%
Fixed - 1 year
Upfront fee
$990.00
Comparison rate*
5.54%
Ongoing fee
$0
Compare
Pros:
  • Suitable for low deposits.
  • Opportunity to bundle financial products together.
  • Offers discounts on the interest rate.
  • Split loan options are included.
Cons:
  • Some products include fees.
  • Early exit fees apply to some products.
Community First Credit Union customer service:

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, email, branch)
  • Mobile app
  • Online banking

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.
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