Community First Bank

CFCU have decided to increase my loan by a full 1% following the RBAs latest 0.25% increase. This follows a 0.25% increase in March 2026 on the back of the earlier 0.25% RBA increase. The reason for the 1% increase was offered as being a 'management decision', and I have been assured that this increase has been applied to all CFCU customers. My… Read more

dissatisfaction, and frankly amazement, has not been helped by being told that a loan officer would call me back to discuss, which did not happen, and then having to wait between 30 - 45 minutes on a couple of different days to talk to someone. Looks like it is time to refinance with a more reputable organisation.

Exceptional. Can't even start to explain how happy I am that I moved to this organization. I have banked with credit union origin banks for over 20 years, and they are the best I have ever dealt with. Show details

Poor customer service. The consultant need further training to understand they don't talk over the client. They don't provide written responses to clients about concerns raised. Issues are simply ignored. Seriously they have no understanding of the importance of customer care. Very disappointed. Wanted to open a term deposit after being attracted… Read more

by the 5% interest rate. They did not proceed with the application simply because the funds were coming from another person's account. They never sought clarification. What a joke of a policy if ever it is a policy. Yes the funds are coming from another person account. Yes it is my money. Evidence and clarification can be provided. Simply going mute after collecting personal details which are sensitive. I cannot make a legal claim if your bank has a cyber security breach because i have nothing to prove I applied for an account. Just goes to show why the bank has remained so small. Cannot grow customer base with such ridiculous policies.

They're a great bank if you don't mind regular net and app outages both planned and unplanned. We just had one in Sept where the only notice they gave their customers was putting it on their facebook page, absolutely no direct notice that it was… Read more

happening. And now today, no bank transfer access all day. I urgently need to transfer money to someone and cannot. Not good enough. I'm changing banks.

Despite a very challenging and stressful car loan process that was complicated by issues arising from my broker, my experience with the bank itself was ultimately positive — largely due to Joshua's outstanding support. Even though I had applied through a broker, Josh went above and beyond to assist me directly. He took the time to clearly explain… Read more

the situation, patiently answered my questions, and worked diligently to help resolve issues that had been created earlier in the process. His communication was transparent, timely, and reassuring during what was otherwise a very difficult experience. Josh demonstrated genuine professionalism, competence, and empathy. He did his best to untangle misunderstandings, provide accurate information, and guide the process forward when I was feeling overwhelmed and uncertain. Based on my experience, the bank was fortunate to have someone like Josh representing them. His efforts made a significant difference and restored some confidence after a very stressful journey. I am genuinely grateful for his assistance and support.

Tried to open a bank account for a SMSF - provided a clear explanation of the structure, along with comprehensive supporting documentation (including group structure and ABN confirmation). In addition, our client attended an in-branch meeting at the Mt Druitt branch and engaged in numerous follow-up phone calls and emails. Despite these efforts,… Read more

the process was prolonged, inefficient, and extremely frustrating, resulting in a significant waste of time.

Ultimately, we were advised that the trustee company was required to have its own ABN in order to open the account.

In over 20 years of professional experience, I have never been advised by a bank that a corporate trustee must hold an ABN in its own right. This position is incorrect. A trustee company cannot apply for, or hold, an ABN except in its capacity as trustee for the underlying trust or SMSF. It is not legally possible for a corporate trustee to obtain a separate ABN outside that capacity. This was explained during the process, yet every staff member we dealt with at Community First maintained the same incorrect view.

I am deeply concerned that staff without appropriate training or experience are being tasked with opening bank accounts for SMSFs. These matters require a basic understanding of trustee structures and superannuation compliance. In this instance, that standard was clearly not met.

This experience fell well short of an acceptable standard of service and reflects a concerning lack of technical competence in an area that requires it.

Great customer service to go with great products – So this is the thing - with Community First Credit Union it's not just that you get great rates (though you do, just compare them to those of the Big Four). It's that after that initial offer you get the super-helpful peeps who want to make it all possible and will help you to do it. My story - Community First has helped my little family a bunch… Read more

of times this last decade every time we've needed it. So, just last week I filled out an application for a Green Car Loan for a little electric hatch and got assigned Jamie to help me through the process. He was super helpful and really went the extra mile to make the loan possible. He actually spent quite a bit of time with me (thanks Jamie!!), really working to get us over the line with a commitment that's not too common nowadays. So patient. Seriously. Customer care++! Bottom line - I'd thoroughly recommend both Jamie (Cronulla branch, I think?) and Community First Credit Union for their great customer service combined with great financial products. Thanks guys!

I recently engaged Community First to apply for a home improvement loan. This was the second time I had finance with Community First and reached out to them first up as I was delighted with my previous experience. They provided an exceptional service to me. From the first call to their service centre through to the finalisation of the loan process… Read more

I felt supported all the way. The personal lending specialist I dealt with provided an excellent service. She was prompt, friendly, and always ensured I had all the information I required to progress through the application with a minimum of drama. I would not hesitate to use Community First bank again in the future.

Excellent service from Community First Bank. The best customer service I received from staff at this bank. I highly recommended them and cannot beat the low interest rate on bank transfers. Show details

I have a credit card account and a personal loan. The team made applying for both easy and I feel supported when ever I have a question. Quality service is rare these days but I cannot fault the service I receive here Show details

Community First will not close my fully paid off credit card for 30 days, blocking the settlement of my home loan with Macquarie. In comparison, NAB took 48 hours and Westpac 20 minutes. Community First systems and processes have let me down terribly

Pretty unhappy with the service. Requested an account to be closed, continued to be charged a monthly admin fee after zero funds in the account and requesting closure. Won’t us then again.

I applied for a credit card product, it was conditionally approved at application, a person contacted me during office hours and read through all the legal things and debated/spoke out most of the application seeking my endorsement, which I gave already by submitting the application. However it took 60-70 minutes. Later I received another email of… Read more

conditional approval and asked me for some documents which I provided. But a week later he said that its not serviceable on the basis of information you provided.

What a waste of time. They should educate their staff to summarise the phone calls and streamline their processes to avoid wasting prospective customers time.

This bank would have to be one of the best as far as customer service goes, very professional and easily accessible. The rates on savings accounts is very competitive. Would highly recommend this bank to anyone.

The branch was busy with people coming and going, but I was sat down and had my account opened by Alix. The process was calm, personal, and straightforward, and it was genuinely nice dealing with a real person who took the time to help. Great experience overall.

I have been a customer with the bank since around 2006 when it was known as Manly Warringah Credit Union , in all those years with change of title I have nothing but praise for the excellent friendly ""personal" customer service and advise the bank has provided for me, when I walk into a branch or contact via phone I always feel welcome and like… Read more

my custom is apprieciated by your friendly staff and that is extremely important to me and I am sure all Community First customers . In a world where banking is becoming somewhat cold and impersonal Community First Bank stands out as a leader in "personal customer service". I sincerely hope Community First continues to shine above it's competitors in this very important area of banking experience. Thank you for the chance to comment. Best wishes.

Deacon was a real pleasure to deal with when applying for our credit card, professional & dedicated. We were not happy with our existing Visa credit card which we had for over 25 years being managed by one of the big banks on behalf of our bank with overseas call centre people who can’t speak English properly. It was nice to speak to local, helpful people. The annual fee and interest rate also attracted us to the Community First Bank. Show details

Excellent products and fantastic customer services At Community First you get customer service from a real person who doesn’t see you as a shareholder profit margin! We couldn’t be happier having made the switch from a Big 4 bank. Show details

This was the company that was chosen by the company who installed my solar panels & battery. I have had an excellent experience with them. I have paid out my loan early. I would consider getting a future loan via Community First Bank based upon my previous dealings with them. I still have a Bank account with them. Show details

With trepidation I decided to try Community First for a term deposit for a SMSF. I was wary because every other account with other institutions I had opened for the Super Fund seemed to be fraught with difficulties and frustrations. Community First was giving an excellent interest rate so I decided to give it a go! BUT my concerns were… Read more

unfounded ... how simple was this. The online form was straight forward, Dammen from Community First was back to me almost instantly to let me know the details of how the application was progressing, and within about 24 hours the money was transferred and all was up and running! Thank you ....

I've been banking with Community first Bank for quite a number of years now and I have never had any issues with the bank it self, or the services on offer for the customers i have always been served in a way that has always been expected to my surprise though was when I recently needed to pay out a car loan I went to my local branch at Mt druitt… Read more

seeking to arrange authorisation to raise my limit yo make the one off payment to my lender the teller advised they could do it all for me and make the payment I didn't have to do anything which was fantastic as far as I was concerned simply the best service provide I highly recommend the Mt druitt branch as that's the one I use always Thank you

Most banks these days use apps for banking and for many matured people this can be very hard. I find using the community first app to be very easy for me to use so that’s very important to me. If there are any problems I’m only a call away and I’ve had to call once or twice and the staff have been very professional and helpful to me

Sharon has been really approachable and helpful and walked me through an unfamiliar process with calm and humour. It is a very god product and we were impressed by the details given. Show details

So great full to the staff specially Michelle and Daniel. My application was successful and fast. I could pay all my pending bills easily. MY HEARTY THANKS TO EVERYONE. L B SHARMA