Community First credit cards are designed to provide customers with convenient payment solutions while offering competitive rates and valuable perks. As a customer-centric financial institution, Community First aims to empower its members with financial tools that help them manage their expenses effectively.
Community First Bank
Compare Community First Credit Union credit cards, focusing on the latest rates, fees, features, and benefits.
Community First Bank credit cards
Not available for application via this website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Details
- There is no interest charged on purchases or cash advances (though a cash advance fee is applicable).
- You have the option to select from three credit limits, each associated with a distinct monthly fee.
- The minimum repayment required is either 2.5% of your statement's closing balance or $20, whichever amount is higher.
Pros & cons
Pros
- No interest on purchases or cash advances.
- Low monthly fee starting from $9.
- No annual fee or late payment fee.
Cons
- Repayments aren't in fixed instalments like with Afterpay.
- There's a $3 cash advance fee (but no interest).
- The maximum credit limit isn't very high, but some will see the benefit in that.
Not available for application via this website
Balance transfer
12 months at 0% p.a.
Purchase rate
8.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$50.00 p.a. ongoing
Details
- 8.99% p.a. interest rate applies to purchases and cash advances.
- Benefit from 0% p.a. on balance transfers for 12 months (0% BT fee); reverts to 8.99% p.a. thereafter.
- An annual fee of $50 p.a. is charged.
Pros & cons
Pros
- Low-interest rates.
- Half the annual fee is donated to the McGrath Foundation every year you hold the card.
- Up to 55 interest-free days.
- Support the McGrath Foundation that raises money for McGrath Breast Care Nurses each time you spend.
Cons
- No rewards program.
Not available for application via this website
Balance transfer
12 months at 0% p.a.
Purchase rate
8.99% p.a. ongoing
Interest-free days
Up to 55 days on purchases
Annual fee
$50.00 p.a. ongoing
Details
- Benefit from a competitive interest rate of 8.99% p.a. for both purchases and cash advances.
- For the initial 12 months, enjoy a 0% rate on Balance Transfers with a corresponding 0% balance transfer fee. Afterwards, it reverts to the cash advance rate of 8.99% p.a.
- An annual fee of $50 is applicable.
Pros & cons
Pros
- Low-interest rates.
- Up to 55 interest-free days.
- Limits are available from $500 to $15,000.
Cons
- No rewards program.
