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Savings Accounts

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Whatever you're saving for, our wide range of savings and cash management accounts can help you reach your goals sooner. We offer competitive interest rates and lots of options to help you find the ideal account for your needs.

Bonus Saver Account

The Family First Bonus Saver is a transaction account that offers higher interest rate and funds available at call, while supporting worthwhile community groups. With a minimum deposit of $200 a month and no withdrawals, you will collect a base rate of 0.01% p.a., plus the bonus rate of 2.24% pa as well.

  • No account keeping fees
  • No transaction fees for Internet and Internet and Phone Access
  • Tiered interest rate
  • Access your funds 24 hours a day, 7 days a week
  • Family First will donate to various community groups quarterly an amount equal to a percentage of the funds held in the account at the end of each quarter

Up to

2.25% pa

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calculate

  Additional Information
Interest Rate View our Interest Rate
Availability of funds At call
Minimum amount $1
Interest Tiered interest rate calculated on daily balances and paid monthly. In addition to a base rate of 0.01%, you may qualify for a bonus interest rate of 2.24% pa, subject to minimum deposits of $200 a month and no withdrawals for a total rate of 2.25% pa.
Branch Transactions Yes - fees apply per transaction
Bank@Post Yes
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Card Yes
Personal cheque facility No
Direct Credits/Debits Yes (credits only)
This table is provided as a guide only. Terms and conditions are available on application or request.

Over 55 Acount

A highly competitive savings account designed especially for members aged 55 and over

  • Tiered interest rate calculated on the daily balance
  • Interest paid quarterly
  • Internet and Phone access
  • Access your funds 24 hours a day, 7 days a week

Up to

2.25% pa

apply now

calculate

  Additional Information
Interest Rate View our Interest Rate
Availability of funds At call
Minimum amount $1
Interest Calculated on daily balances on the portion of balance within tiered rates and paid quarterly. 1.00% pa interest is calculated on a daily basis for balances up to $48,600 whilst 2.25% pa is paid on balances held in excess of $48,600.
Sub-accounts available Yes
Branch Transactions Yes
Bank@Post Yes
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Card Yes
Personal cheque facility Yes
Direct Credits/Debits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Super Saver Account

The Family First Super Saver Account is designed especially for our youngest members aged 0 to 11 years of age. We take a fun approach to saving with each Super Saver receiving a free money box and drink bottle, and we'll also send a 'special' card on their birthday.

  • Free money boxes, drink bottles and birthday cards

Up to

1.25% pa

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calculate

  Additional Information
Interest rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Interest Calculated on daily balances on the whole balance at current rates and paid monthly.
Sub-accounts available No
Branch transactions Yes
Direct credit, payroll and periodical payments Yes
Counter deposits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Teen Saver Account

The Family First Teen Saver Account is designed especially for our teenage members aged 12 to 17 years.

  • Visa Debit Card available (conditions apply)
  • Statements can be accessed online
  • Rebates apply to some fees

Up to

1.25% pa

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calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Interest Calculated on daily balances on the whole balance at current rates and paid monthly.
Sub-accounts available No
Branch transactions Yes
ATM/EFTPOS, Bank@Post Yes
Any electronic debit Yes
Phone/Internet Banking Yes
Periodical payment and BPAY Yes
Direct credit, payroll and periodical payments Yes
Counter deposits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Family e-Saver Account / e-Saver Online Account

The Family e-Saver Account is a high-end electronic investment account that offers both a higher interest rate and funds available at call - a different kind of banking!

  • High interest rate
  • No account keeping fees
  • No transaction fees for Internet and Phone Access
  • Access your funds 24 hours a day, 7 days a week
  • Cheque Deposits allowed

Up to

1.50% pa

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calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount Nil
Interest Calculated on daily balances on the whole balance at current rates and paid monthly.
Sub-accounts available No
Branch Transactions Yes - fees apply per transaction
Bank@Post No
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Card No
Personal cheque facility No
Direct Credits/Debits Yes (credits only)
This table is provided as a guide only. Terms and conditions are available on application or request.

Cash Management Account

This account is designed for members who want to maximise their relationship with Family First and get the most from their bank account. This account offers a tiered higher rate of interest than ordinary saving accounts with all the access facilities of an every day account.

  • Interest calculated daily and paid quarterly
  • Higher interest rates than on ordinary savings accounts
  • Tiered interest rates for higher balances
  • Access your funds 24 hours a day, 7 days a week

Up to

0.25% pa

apply now

calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Interest Calculated daily on the whole balance at tiered rates, credited quarterly.  Interest is calculated at 0.25% pa for balances maintained over $25,000 whilst for balances under $25,000 intersest is calculated at 0.05%.
Sub-accounts available Yes
Branch Transactions Yes
Bank@Post Yes
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Card Yes
Personal cheque facility Yes
Direct Credits/Debits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Community Care Account

Family First Credit Union's Community Care Account provides non-profit organisations and community groups with the ideal account that supports their work; to continue to improve the social, cultural, environmental and educational well being of our community.

Designed for incorporated community groups and service clubs, Family First Credit Union welcomes pre-schools and playgroups, registered charities, religious bodies and fund raising committees to apply for this account. Individuals cannot be considered.

All accounts must be for groups that operate as a non-profit organisation and provide a service to the community.

  • No account keeping fees
  • No transaction fees
  • Tiered interest
  • Access to funds 24 hours a day, 7 days a week

Up to

0.25% pa

apply now

calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Interest Calculated daily on the whole balance at tiered rates, credited quarterly. Interest is calculated at 0.25% pa on all balances exceeding $25,000 whilst for balances under $25,000, interest is calculated at 0.05%.
Sub-accounts available Yes (maximum two)
Branch Transactions Yes
Bank@Post No
Phone/Internet Banking Yes, dependent on operating instructions
BPAY Yes
ATM/EFTPOS No
Member cheque facility / Periodical Payments Yes
Direct Credits / Debits / external transfer Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Christmas Club Account

Plan and save for those festive season expenses. Christmas can be a financially stressful time for many, so prepare in advance for the expense of the festive season with this special purpose account. 

Make regular deposits during the year and be rewarded with interest and a special lock away facility to keep spending temptation at bay. Total balances and interest become available from 1 November each year, just in time for Christmas!

  • Great interest rates
  • Deposit part of your salary straight to your Christmas Club Account
  • Full access via card, internet banking, phone banking or over the counter

0.15% pa

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calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds Withdrawal period between 1 November and 31 January. We may allow early withdrawals at our discretion (e.g. in cases of hardship). Fees for early withdrawal may apply.
Interest Calculated on minimum monthly balances and credited 30 June and 31 October.
Minimum amount $1
Branch Transactions Yes (subject to withdrawal restrictions above)
Bank@Post Yes (subject to withdrawal restrictions above)
Phone/Internet Banking Yes (subject to withdrawal restrictions above)
BPAY Yes (subject to withdrawal restrictions above)
ATM/EFTPOS via Visa Card No
Personal cheque facility No
Direct Credits/Debits Yes (credits only)
This table is provided as a guide only. Terms and conditions are available on application or request.

Ordinary Savings Account / Everyday Access Account

An online savings account with easy access.

This account is opened for you automatically when you become a member. It provides access to your money 24 hours a day through our wide range of access facilities. 

  • No minimum balance required
  • Interest calculated on a daily basis
  • Internet and Phone Access
  • Funds availale at call 24 hours a day, 7 days a week

0.01% pa

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calculate
  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Overdrafts available Yes
Branch Transactions Yes
Bank@Post Yes
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Credit Yes
Personal cheque facility Yes
Direct Credits/Debits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Budget Savings Account

With Family First's Budget savings account, you can easily budget for bills, school fees, council rates etc. This account is great for members who have a regular payment such as rent, mortgage repayments or health fund contributions to make because we make payments automatically on your behalf or you can arrange a direct debit from the account.

  • Always have funds on hand for bills, rates and school fees
  • Simplify your budgeting with a separate sub-account
  • All fees and charges applied to your S1 account
  • Access your funds 24 hours a day, 7 days a week

 

apply now

calculate

  Additional Information
Interest Rate View our Interest Rates
Availability of funds At call
Minimum amount $1
Interest No interest paid on Budget Savings Account
Sub-account available Yes
Branch Transactions Yes
Bank@Post No
Phone/Internet Banking Yes
BPAY Yes
ATM/EFTPOS through Visa Card No
Personal cheque facility Yes
Direct Credits/Debits Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

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Questions?

If you have any questions, please contact us. enquire now

This is general information only and your needs and financial circumstances have not been taken into. Terms, conditions, fees and charges may apply. Before using any of Family First Credit Union's products or services you should read our Financial Services Guide, our Accounts and Access Facility Conditions of Use & Summary of Accounts, Availability of Access Facilities and Transaction Limits and Schedule of Fees brochures which are available from our website or any Family First branch.