Community First Credit Union
NSA CREDIT CARD
Community First Credit Union · cred and chrg cards
Provider last updated this product 2026-09-29.
Go to provider
You'll complete your application on
Community First Credit Union's website. Confirm the rate and fees with them
before applying.
A low rate credit card with up to 55 days interest free on purchases. Half the annual fee goes to National Seniors Australia to help with their work on advocacy and financial literacy
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 9.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice. | |||||||
| PURCHASE | 9.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice. | |||||||
| BALANCE TRANSFER | 4.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| LATE_PAYMENT | LATE_PAYMENT | $25 | Charged to loan account |
| ATM_WITHDRAWAL/CASH_ADVANCE_OVERSEAS | TRANSACTION | $5 | Applicable on all cards |
| VISA_CHARGEBACKS | EVENT | $25 | - |
| OUT_OF_DATE_CARD_DETAILS | EVENT | $25 | - |
| CREDIT_CARD_ANNUAL_FEE_-_NSA | PERIODIC | $50 | Half of annual fee ($25) will go back to National Seniors |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) | EVENT | $1.50 | Charged per page. For statements issued prior to January 1997 the fee is $3 per page. |
| BANK@POST_CHEQUE_DEPOSIT | DEPOSIT | $2 | Cheque deposits |
| BANK@POST_WITHDRAWAL,_CASH_ADVANCE_OR_CASH_DEPOSIT | TRANSACTION | $2 | Deposit or withdraw cash via Bank@Post |
| CANCEL_REPLACEMENT_OF_VISA_CARD | EVENT | $50 | Charged in US Dollars |
| REPLACEMENT_OF_VISA_CARD_(OVERSEAS)_STD | EVENT | $55 | - |
| REPLACEMENT_OF_VISA_CARD_(WITHIN_AUS) | EVENT | $12.50 | - |
| DOMESTIC_CASH_ADVANCE_FEE | CASH_ADVANCE | $2 | Fee charged on the day of the transaction |
| OVERSEAS_CASH_ADVANCE_FEE | CASH_ADVANCE | $5 | Charged on the day of the transaction |
| INTERNATIONAL_TRANSACTION_FEE | TRANSACTION | 3.00% | Applies for all transactions (including reversals and cash advances) where you use your card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity or financial institution outside Australia. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-17 | 2026-09-30 (current) | 4.99% |
Published figures as captured daily since 2026-07-17. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18Account holders must be 18 years or older
- natural personBusiness membes not eligible
- residency status - Eligibility criteria appliesAustralian citizen or permanent residency only
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-29T15:35:38.000+10:00 · Product ID: S53-NSA-LRCC