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50th birthday

Family First is turning 50
and we want to give you all of the presents

Family First Credit Union is excited and proud to be celebrating our 50th birthday this year. That is 50 years of serving our members and supporting the communities in which we operate.

As part of our celebrations we have some great offers below. We are knocking a further 0.50%p.a. off some of our already great Loan Rates, and we are giving an extra 0.50%p.a. on some of our Fixed Term Deposit Rates as well - so there is something for everyone!

 

Discounted Variable Rate Home Loan - Owner Occupied Only

Our Discounted Variable Rate Home Loans guaranteed to be 1.50%p.a. under the standard variable mortgage rate for the first 12 months of your home loan. They are suitable for first time home buyers and those looking to refinance their homes.

  • Competitive introductory variable rate options (1.50%p.a. under the Standard Variable Mortgage rate for the first 12 months)
  • Redraw facility available
  • Flexible repayment options
  • Member Relationship Fee Rebate Scheme

From
3.35% pa

interest rate

4.78% pa
comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
Interest rate View our interest rates
Minimum amount $100,000
Maximum amount up to 95% of the property value with Lenders  Mortgage Insurance, 80% without
Loan period Up to 30 years
Flexible repayment options Weekly, fortnightly or monthly
Interest charges Calculated daily, charged monthly
Third party legal & valuation fees At cost $1040 (approx)
Lump sum payments without penalty Yes
Redraw facility Yes, a fee applies for each redraw
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Fixed Rate Home Loan

With our Fixed Rate Home Loans, you'll have peace of mind knowing that your repayments will not be altered during the fixed period.

  • Peace of mind with fixed repayments
  • Lock in a great rate for up to 3 years
  • Flexible repayment options
  • Owner Occupied Home Loans only

 

From
3.65% pa

interest rate

4.81% pa
comparison rate

apply now

enquire now

calculate

request a home loan key fact sheet

  Additional Information
Interest rate View our interest rates
Minimum amount $100,000
Maximum amount up to 95% of the property value with Lenders Mortgage Insurance, 80% without
Loan period Up to 30 years
Flexible repayment options Weekly, fortnightly or monthly
Interest charges Calculated daily, charged monthly
Third party legal & valuation fees At cost $1040 (approx)
Lump sum payments without penalty Yes
Redraw facility Yes, a fee applies for each redraw
Property valuations Yes
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

 

New Car Loan

When a new car is what you need, we'll help you drive away sooner with this low rate car loan.

  • Flexible repayments options
  • No monthly service fees
  • Redraw facility provided
  • Loan repayment insurance available
  • Make lump sum repayments or pay out your loan without penalty

From
5.49% pa
interest rate

5.77% pa
comparison rate

apply now

enquire now

calculate

  Additional Information
Interest rate View our interest rates
Minimum amount $10,000
Maximum amount 100% of the value of the car
Maximum age of car New
Loan period Up to 7 years
Flexible repayment options Weekly, fortnightly or monthly
Interest charges Calculated daily, charged monthly
Variable lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility Yes - fee applies for each redraw
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
Establishment fee Yes - payable on funding
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Car Loan (up to 3 years old)

Enjoy all the benefits and features of our new car loan for a used car up to three years old.

  • Flexible repayments options
  • No monthly service fees
  • Redraw facility provided
  • Loan repayment insurance available
  • Make lump sum repayments or pay out your loan without penalty

From
6.49% pa
interest rate

6.77% pa
comparison rate

apply now

enquire now

calculate

  Additional Information
Interest rate View our interest rates
Minimum amount $10,000
Maximum amount 100% of the value of the car
Maximum age of car Up to 3 years
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Interest charges Calculated daily, charged monthly
Variable and lump sum repayments Yes
Early payout without penalty Yes
Redraw facility Yes - a fee applies for each redraw
Monthly service fees No
Loan Repayment Insurance available Yes
Auto repayments Yes
Establishment fee Yes - payable on funding
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Car Loan (3 to 5 years old)

Enjoy all the benefits and features of our new car loan for a used car over three years old.

  • Flexible repayments options
  • No monthly service fees
  • Redraw facility provided
  • Loan repayment insurance available
  • Make lump sum repayments or pay out your loan without penalty

From
7.49% pa
interest rate

7.77% pa
comparison rate

apply now

enquire now

calculate

  Additional Information
Interest rate View our interest rates
Minimum amount $10,000
Maximum amount 100% of the value of the car
Maximum age of car 5 years
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Interest charges Calculated daily, charged monthly
Extra payments without penalty Yes
Early payout without penalty Yes
Redraw facility Yes - a fee applies for each redraw
Loan Repayment Insurance available Yes
Auto repayments Yes
Establishment fee Yes - payable on funding
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Secured Personal Loan

If you have big dreams then look no further than our Secured Personal Loan, speak to a friendly member of our staff to calculate how much you could borrow using your own savings as security.

  • Flexible repayment options
  • Lump sum payments without penalty
  • No monthly loan service fees
  • Loan Protection insurance available

From
12.00% pa
interest rate

13.41% pa
comparison rate

apply now

enquire now

calcuate

  Additional Information
Interest rate View our interest rates
Minimum amount $5,000
Maximum amount based on the amount of your Fixed Term Deposit
Loan period loan term depends on amount borrowed
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $1,000)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Establishment Fee Yes - payable on funding
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Unsecured Personal Loan

Enjoy all the benefits and a great interest rate with our Unsecured Personal Loan, speak to a friendly member of our staff to calculate how much you could borrow based off your income.

  • Flexible repayment options
  • Lump sum payments without penalty
  • No monthly loan service fees
  • Loan Protection insurance available

From
13.50% pa
interest rate

14.92% pa
comparison rate

apply now

enquire now

calculate

  Additional Information
Interest rate View our interest rates
Minimum amount $10,000
Maximum amount $30,000
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $1,000)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Establishment Fee Yes - payable on funding
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

 

Term Deposits

A fixed term deposit is a solid investment with guaranteed returns. If you don't need to access these funds on a regular basis why not make them work for you? You can invest as little as $1000.

  • Terms of between 3 and 6 months OR 1 year, 2 years or 3 years Fixed
  • Earn higher interest on larger amounts
  • Interest rate is fixed for the term of the deposit
  • Have interest paid at maturity or regularly to your savings account
  • New balances only
  • See all Term Deposit rates here

Up to
2.85% pa
interest rate dependant on length of term

apply now

enquire now

calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds Funds withdrawable at maturity.
We may allow early withdrawal at our discretion. eg. in cases of hardship.
In this case, we may also reduce the interest rate to the rate applicable to our S1 Ordinary Savings Account.
Minimum amount $1,000 (3-6 months) OR $5,000 (1 year, 2 years, 3 years)
Interest Income Calculated on daily balance.
Credited at maturity or weekly/fortnightly/monthly to your nominated account.
Early access available On application and subject to early withdrawal restrictions above.