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Community First Credit Union credit card reviews

Community First Credit Union
Community First Credit Union's overall rating for credit cards

(as rated by the Mozo community)

9.3 / 10

based on 282 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Community First Credit Union

Recent Community First Credit Union credit card reviews

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   9 / 10

Excellent low cost credit card.

I switched to this credit card over five years ago to save interest & fees & am a very happy customer & have no plans of changing my credit provider.

Full review

I switched to this credit card over five years ago to save interest & fees & am a very happy customer & have no plans of changing my credit provider.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Anonymous, New South Wales, reviewed over 3 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   8 / 10

Best interest rate.

It's really simple. The McGrath Foundation credit card offers the best interest rate around for both purchases and cash advances, plus $20 of your $40 annual fee goes to the McGrath Foundation, so you can feel good about paying it. The only...

Full review

It's really simple. The McGrath Foundation credit card offers the best interest rate around for both purchases and cash advances, plus $20 of your $40 annual fee goes to the McGrath Foundation, so you can feel good about paying it. The only downside is that there are no extra benefits like rewards points.

    Price   10 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Aaron, New South Wales, reviewed over 3 years ago

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   8 / 10

Competitive rates and good customer service

Approachable and helpful.

Full review

Approachable and helpful.

    Price   9 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Irene, New South Wales, reviewed about 4 years ago

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   8 / 10

Excellent

customer service was very good ,monthly notification of statement in my email box which is very convenient for me .Above all else is their low interest rate

Full review

customer service was very good ,monthly notification of statement in my email box which is very convenient for me .Above all else is their low interest rate

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

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Phumza, , reviewed over 4 years ago

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   8 / 10

Fantastic low rate, no frills credit card

Fantastic low interest rate credit card. Totally no frills. Annual fee is low and half goes to McGrath Foundation.

Full review

Fantastic low interest rate credit card. Totally no frills. Annual fee is low and half goes to McGrath Foundation.

    Price   9 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Nikki, , reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   9 / 10

Great service and a card that gives

When I applied I was contacted very quickly and they were very polite, easy going and knowledgeable. Everything was explained simply but comprehensively. I was sent all the forms via email and others were easily downloaded. Everything was...

Full review

When I applied I was contacted very quickly and they were very polite, easy going and knowledgeable. Everything was explained simply but comprehensively. I was sent all the forms via email and others were easily downloaded. Everything was processed quickly and I got follow up calls to give me progress reports and to make sure I understood what was happening, which was something I really wasn't expecting to happen. Even when I got the card I got follow up calls to make sure I was comfortable with everything and happy with the service and other emails with updates. With that kind of service who wouldn't be happy. All seemed to be totally transparent. This is THE BEST service I have ever had from a financial service.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Darren, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Great product; easy on-line access

Nothing negative to report. Am extremely happy with the Credit Card, thank you.

Full review

Nothing negative to report. Am extremely happy with the Credit Card, thank you.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Iris, Tasmania, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   10 / 10

Good interest rate and great customer service

Interest rate is very good and customer service has not been a problem.

Full review

Interest rate is very good and customer service has not been a problem.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Gary, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Competitive features and great customer service

I love the low interest rate and supporting breast cancer as I have a family friend who has been through this. I have never had any problems with this card and I have recommended this product to many friends.

Full review

I love the low interest rate and supporting breast cancer as I have a family friend who has been through this. I have never had any problems with this card and I have recommended this product to many friends.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Palm, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Good cause and the lowest rate going around

8.99% rate and half the annual fee goes to the McGrath foundation. I even don't mind that the card is pink. It is great

Full review

8.99% rate and half the annual fee goes to the McGrath foundation. I even don't mind that the card is pink. It is great

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Robert, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Exceptional customer service & fantastic benefits

The service from the very beginning has been exceptional. The staff are so friendly and welcoming and nothing is too much trouble. The rate is amazing and I am so pleased to be a customer of this company.

Full review

The service from the very beginning has been exceptional. The staff are so friendly and welcoming and nothing is too much trouble. The rate is amazing and I am so pleased to be a customer of this company.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Joanne, Queensland, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union Credit Card review

Overall rating   10 / 10

Great interest rates and awesome service!

Can't think of a single con at all. My only direct service is by phone, I live in Northern NSW, nowhere near a branch, and every time I have needed to call, the service has been outstanding! Distance has been no barrier either. GREAT interest...

Full review

Can't think of a single con at all. My only direct service is by phone, I live in Northern NSW, nowhere near a branch, and every time I have needed to call, the service has been outstanding! Distance has been no barrier either. GREAT interest rates, I researched everything you could poke a stick at before I decided to apply with CMCU and ATM and internet service are hassle free. We've had our credit account with CMCU for around 2 years now and wouldn't change to anyone else!

    Price   10 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Barbara, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Happy

I have no problem with the bank and will continue to recommend it. We switched from ANZ Visa as it was too expensive. The McGrath Visa card is great, the international exchange rate is good with no transaction fee, that is a bonus. And the...

Full review

I have no problem with the bank and will continue to recommend it. We switched from ANZ Visa as it was too expensive. The McGrath Visa card is great, the international exchange rate is good with no transaction fee, that is a bonus. And the donation to the foundation is really good. And it has encouraged us to make further donations. The only issue is the access to the card statement online is a little awkward.

    Price   5 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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William, New South Wales, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   10 / 10

Excellent "no frills" banking

Community First offer a great "no frills" banking experience as a Credit Union - and because of that I guess they can keep their fees down and still maintain a great banking experience.

Full review

Community First offer a great "no frills" banking experience as a Credit Union - and because of that I guess they can keep their fees down and still maintain a great banking experience.

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Graham, Victoria, reviewed almost 5 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa McGrath Pink Visa review

Overall rating   9 / 10

Great value and a tax deductible donation

This is a great card for low interest and ease of operation. Offers the best online experience and very friendly customer service. To top it all off, it supports a very worthy charitable cause and includes a tax deductible donation. Good work Com...

Full review

This is a great card for low interest and ease of operation. Offers the best online experience and very friendly customer service. To top it all off, it supports a very worthy charitable cause and includes a tax deductible donation. Good work Com 1st.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

John, New South Wales, reviewed almost 5 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

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    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).

    balance transfer rate

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    purchase rate

    19.99% p.a.

    annual fee

    $49 $29 in the first year

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    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).
    • Balance transfer rate: 0% p.a. for 12 months and then 21.99% p.a.
    • Annual fee: $49 $29 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
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  • CUA Low Rate Credit Card

    CUA Low Rate Credit Card

    • $0 annual fee for the first year
    • 11.99% p.a. on purchases
    • Up to 55 days interest free

    balance transfer rate

    0% p.a. for 13 months and then 21.74% p.a.

    purchase rate

    11.99% p.a.

    annual fee

    $49 $0 in the first year

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    • $0 annual fee for the first year
    • 11.99% p.a. on purchases
    • Up to 55 days interest free
    • Balance transfer rate: 0% p.a. for 13 months and then 21.74% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2.00%, Min $3.50
    • Rewards description:
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    7.3

    Based on 98 CUA credit card reviews

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    Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer

    • Earn up to 60,000 bonus Velocity Points. Conditions apply
    • 0% p.a. for 18 months on balance transfers
    • Half the annual card fee in the first year.

    balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a.

    purchase rate

    20.74% p.a.

    annual fee

    $129 $64 in the first year

    Go to site

    More info

    • Earn up to 60,000 bonus Velocity Points. Conditions apply
    • 0% p.a. for 18 months on balance transfers
    • Half the annual card fee in the first year.
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Annual fee: $129 $64 in the first year
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 203 Virgin Money credit card reviews

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  • Qantas Money Qantas Premier Platinum

    Qantas Money Qantas Premier Platinum

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months

    balance transfer rate

    0% p.a. for 18 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $299 $199 in the first year

    Go to site

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    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Annual fee: $299 $199 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
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  • MOZO EXPERTS CHOICE AWARDS 2018

    HSBC Platinum Credit Card (22 Month Balance Transfer Special Offer)

    HSBC Platinum Credit Card (22 Month Balance Transfer Special Offer)

    • 0% p.a. interest on purchases and balance transfers for 12 months (No BT fee).. Conditions apply
    • Complimentary domestic and international travel insurance
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    balance transfer rate

    0% p.a. for 22 months and then 21.99% p.a.

    purchase rate

    0% p.a. for 12 months then 19.99% p.a.

    annual fee

    $129 Refunded when you spend over $6,000 p.a

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    • 0% p.a. interest on purchases and balance transfers for 12 months (No BT fee).. Conditions apply
    • Complimentary domestic and international travel insurance
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Balance transfer rate: 0% p.a. for 22 months and then 21.99% p.a.
    • Annual fee: $129 Refunded when you spend over $6,000 p.a
    • Purchase rate: 0% p.a. for 12 months then 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.6

    Based on 438 HSBC credit card reviews

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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