Products no longer offered
On this page you can find information and interest rates for our retired savings account and loan products
Retired savings and loan products
The products below are held by existing members, but are no longer available for new accounts or top ups
The key attributes of the Easy Savings account are:
- variable interest rate calculated daily, paid monthly
- no minimum regular deposit required to earn interest
- no interest or fee penalties when you make a withdrawal
- no monthly fees
The key attributes of the Bonus Saver account are:
- variable interest rate
- bonus interest applies when you make at least one deposit of $50, maintain a credit balance and make no withdrawals in the month
- no monthly fees
The key attributes of the Credit Card are:
- same low variable interest rate on purchases and cash advances, plus up to 55 days interest free when you pay your balance in full by the due date each month
- Peace of mind via Visa’s Zero Liability Policy, Visa Secure and eftpos Secure for added protection when shopping online
- low $50 annual fee
- Please note you will be charged interest on purchases while you have a balance transfer offer in effect
The key attributes of the Fixed Personal Loan are:
- fixed interest rate for up to 5 year loan term
- repayment frequency can be weekly/fortnightly/monthly
- the ability to make additional repayments
- a redraw facility to redraw advance repayments
- $10 monthly loan account fee
- refer to the current Fees and Charges schedule for fees that may apply
Easy Savings
Ongoing Rate
1.50%p.a. 1
Interest is calculated daily and paid monthly.
Bonus Saver account
Bonus rate
Includes standard rate
4.35%p.a. 1
Applies when you make at least one deposit of $50, maintain a credit balance and make no withdrawals or transfers in the month.
Standard rate
Excludes bonus rate
0.01%p.a. 1
Applies when bonus conditions are not met. Balances over $3 million earn nil interest.
Credit card
Easy Low Rate Credit Card
advances interest rate
8.99%p.a. 3
0.00%p.a. 2
Personal loan
Fixed, unsecured
8.99%p.a. 4
Understanding
credit card interest
Credit cards may be a flexible and convenient way for you to manage expenses but managing your credit card well and understanding exactly how the interest works helps you to avoid unnecessary fees.
Find out more about credit card interest here.
Fees and charges
For a full list of fees and charges applicable to our retired products, refer to our latest schedule.
Get in touch
If you’re looking to report information to Easy Street as outlined in our product Target Market Determinations, please email your information to DDOreporting@communityfirst.com.au.
Need more info? Give us a call on 1300 13 14 65.
1 Rates are current as at 13/02/2026 and subject to change without notice. Standard interest and bonus interest will not be payable on balances over $3 million. Balances over $3 million earn nil interest.
3 Offer terms and conditions: Rate is current as at 5 March 2024 and subject to change without notice. This is an introductory rate for 12 months only on balance transfers from the date the balance transfer is processed. After the initial 12 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time – currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First or Easy Street cards. Please note you will be charged interest on retail purchases while you have a balance transfer.
4 Rates are current as at 04/04/24.
*Comparison rate is calculated on an unsecured loan amount of $30,000 over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.