Savings & Investments

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1 Savings & Investments

2 Contents The choice is yours 2 Transaction Accounts 2 Savings Accounts 3 Youth Accounts 5 Investments 7 Important information 9

3 The choice is yours Whether you want easy access to your money or are looking to put something aside for a rainy day, Community First can offer you a full range of transaction, savings and investment account options to help make your money work harder. Transaction Accounts Access Account Our Access account can offer you the flexibility you need for your financial transactions, catering for all your daily financial needs with a convenient all-in-one-account. It s great if you want flexibility and easy access to your money. Features and benefits: Interest on daily balances No account keeping fees Card convenience - your choice of either a Community First Redicard or VISA Debit Card Personal Line of Credit (upon application) Access to your cash through one of Australia s largest ATM and EFTPOS networks. PayDirect - have your pay deposited directly into your account Optional personal cheque book or deposit book Over the counter transactions One simple statement for all your accounts BPAY facility to pay bills Autopay Account An Autopay account allows you to pay all your bills easily and conveniently. It gives you the luxury and peace of mind of knowing all your payments and bills are being paid on time, and that you won t come across any unexpected unpaid bills. 2.

4 Simply arrange for all your monthly bills to be paid by us, direct from your account. Nominate the day and amount of payment, and you can forget all about those important bills, knowing that we ll look after them for you. Features and benefits: No minimum balance required to open the account Access to your funds by telephone and internet banking or over the counter No monthly account keeping fees Retirement Plus Deeming Account If you re a holder of the Senior s Card, recipient of Family and Community Services Pensions or a self-funded retiree over the age of 55, then you may be eligible for our Retirement Plus Deeming account. A Retirement Plus Deeming account lets you take advantage of higher interest rates based on the Federal Government s Income Test Deeming rates. At the same time, it allows you to make day-to-day transactions and offers you a Personal Cheque facility as well as other bill paying and convenient access services. Savings Accounts Christmas Cracker Account Get organised now for next Christmas with a Christmas Cracker account. It offers attractive interest calculated on the minimum monthly balance to encourage you to save, whilst discouraging you from making withdrawals by limiting your access. 3.

5 Your money will be ready for you to withdraw between November 1 and January 31 each year - for Christmas celebrations, gifts, holidays, anything you like. When you save regularly in a Community First Christmas Cracker account through the year, you ll be pleasantly surprised by how much you ll have to spend at Christmas. To make savings easier, use PayDirect to put something away everyday. Bonus Saver Account If you really want your savings to take off, our Bonus Saver account can help. The Bonus Saver rewards you for saving by paying you bonus interest each month on top of our standard savings interest rate. If you deposit a minimum of $20 and make no withdrawals within the calendar month, you will receive bonus interest on top of your existing standard interest rate. Features and benefits: No minimum balance required to open the account Interest is calculated on a daily basis and paid monthly Access to your funds by telephone and internet banking or over the counter No monthly account keeping fees Deposit balances over $5,000 contribute to your Member Allowance which can help you bank fee free with Community First. 4.

6 Youth Accounts Pocket Power This account is designed to encourage children to save their pocket money. The Pocket Power account is a special savings account that has been developed for Members aged 3 to 11 years. With the help of a parent or guardian, junior Members can start their financial education. The Pocket Power account offers your child ready access to their savings and is free of transaction and account keeping fees! Interest is calculated on the daily balance. Interest rates are tiered so the higher your balance, the better the interest rate. Powerup Account The Powerup account is a special savings account designed specifically for Members 12 to 17 years of age. This account is designed especially for teens, to help them establish a strong savings history for the future. Why save with a Powerup account? Because you can buy what you want, faster. It s that simple. Start saving when you get your first job and the things that seem out of reach now will be a lot closer. Plus saving gives you a financial track record, so it will be easier to get a hassle free loan when you turn 18. Powerup Members benefit from no transaction fees, tiered interest rates and the convenience of ATM access via Redicard. 5.

7 Student Starter Account The Student Starter account allows students and trainees to make money the least of their worries. If you re aged and studying your first degree or traineeship full-time, then our Student Starter account is the account for you. This account offers students no transaction fees, competitive interest rates and an option of a $500 Visa Overdraft*. It is the perfect account to help you to build your savings! And by developing a regular savings pattern not only will you be able to reach your savings goals, but in the future it will help you to obtain a hassle free loan when you need it! *All Overdraft are subject to lending guidelines. Terms and Conditions, fees and charges apply - details available on application. 6.

8 Investments Term Deposits A Community First Term Investment is a safe and secure way to invest your savings at a high rate of interest. Community First has a wide range of terms to suit your investment needs. You choose how much you would like to invest, (minimum of $5,000) the length of your term, (3 months to 3 years) and choose whether to have your interest paid monthly, annually, or on maturity. As an added benefit and incentive to save, the interest rates are tiered dependant on the length of the term and the amount invested. Features and benefits: You can invest from $5,000 to $250,000 in a Community First Term Investment and receive a high interest rate. Rates for amounts above $250,000 are available on request. Interest rates for Community First Term Investments are tiered - the more you invest the greater the return. Feel free to choose any term from 3 months to 3 years, so you will have your money available when you need it. Your Term Investment can give you money to live on. Interest may be paid every 28 days, at the end of the term, or at periods in between. Your money will earn a very competitive interest rate that is fixed for the whole of your chosen term. You will receive a Term Investment Certificate for each investment and a regular statement detailing your balance and interest paid. To check out our current term deposit rates, visit

9 Money Market Account Make your money work harder and invest your money at market rates but still have access to it. It takes just $5,000 to open a Community First Money Market account and once it s opened, there are no minimum transaction amounts or balance requirements. You can add to your account at any time and you have the option of linking a Personal Cheque facility for added convenience. It s the secure, flexible way for you to watch your money grow. Interest is calculated on the daily balance. Interest rates are tiered in order to pay higher interest rates on larger balances. For more information or to open an account by phone, please call Community First Direct on , or visit your local Community First Financial Services Store. 8.

10 Important information Product Conditions of Use for Savings Accounts, Payment Services and Term Investments are available from or by contacting Community First Direct on You should read and consider the Product Conditions of Use before deciding to use any product. This is general advice only and does not take into account your individual objectives, financial situation or needs ( your personal circumstances ). Before using this advice to decide whether to open any savings accounts, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Conditions of Use. All overdrafts are subject to lending guidelines. Terms and conditions, fees and charges apply details available on application. Please also refer to the Conditions of Use for the following services; Redicard Conditions of Use; VISA Card Conditions of Use; Member Chequing Terms and Conditions; Internet Banking and BPAY Conditions of Use. These are available upon request. 9.

11 All your banking needs can be found at Community First Home Loans Savings & Investments Insurance Personal Loans Easy Ways to Bank Card Options

12 Community First Head Office Level 2, St. Hilliers Road Auburn NSW 2144 P.O. Box 98 Lidcombe NSW 1825 Contact Details T: W: E: ABN: AFSL: BSB: Financial Services Stores Bankstown Centro Bankstown Campbelltown Macarthur Square Charlestown Charlestown Square Shopping Centre Erina Erina Fair Glendale Stockland Glendale Lake Haven Lake Haven Shopping Centre Mt. Druitt Westfield Mt. Druitt Penrith Centro Nepean Rouse Hill Rouse Hill Town Centre Swansea Swansea Plaza Tuggerah Westfield Tuggerah Woy Woy Peninsula Plaza Liverpool Westfield Liverpool CFCU/NOVUM SI/20/8/10

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