Community First CU Christmas Cracker

This Christmas savings account has a list of features to make saving for the holidays a piece of cake.

The Community First Christmas Cracker Account rewards you with 0.5% p.a. on your deposit. There are no conditions to earn this rate, but you’re penalised if you withdraw your money before November. Community First’s budget planner and savings tools can help you save for your Christmas goal so you’re financially prepared for the holiday season.

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0.5% p.a.

Maximum variable rate


Base interest rate

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Product NameCommunity First CU Christmas Cracker
Maximum Variable Rate0.5% p.a.
Standard Variable Rate0.50%
Monthly Account Fee$0
Minimum Opening Deposit$0

Key features

Interest rate

Earn a variable rate of interest on your deposit: 0.5% p.a. Interest is calculated on the minimum monthly account balance and paid to your account on the last day of October. Unlike other savings accounts, there are no conditions like minimum account balances or monthly deposits to get the full rate of interest.


The Community First Credit Union Christmas Cracker saving account is free to open and there is no monthly account maintenance fee. An early withdrawal fee applies if you want to access your money outside the withdrawal period.

How to apply

Visit the Community First website to start an online application for the Community First Christmas Cracker Account.


  • Minimum age. You can apply for this account if you're old enough to hold an eligible form of identification.
  • Identification. Verify your identity to become a member of Community First Credit Union. You can use the following forms of identification: A state or territory drivers licence, proof of age card, an Australian passport. You can also use an overseas drivers licence, national identity card or passport.

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