Low Rate Credit Card card image

Community First Credit Union Low Rate Credit Card

Advertiser disclosure
Purchase rate
8.99% p.a.
Balance transfer rate
0% p.a. for 6 months and then 8.99% p.a.
Annual fees
Interest free days on purchases

Mozo editorial review Community First Credit Union Low Rate Credit Card - last updated: 28 October 2021

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What's hot
  • 2021 Mozo Experts Choice Award
  • Low 8.99% purchase rate
  • 0% interest on balance transfers for six months
What's not
  • $25 late payment fee
Mozo snapshot

With a 8.99% purchase rate, 0% interest on balance transfers for six months, 55 interest-free days on purchases and a low annual fee, the Low Rate Credit Card from Community First Credit Union comes with all the features of a budget-friendly credit card. In fact, in 2021 it even bagged a Mozo Experts Choice Award for best Low Rate Credit Card. 

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Key features

If you’re likely to carry a balance each month but you're looking to reduce your costs, then the Low Rate Credit Card from Community First Credit Union could be one of the better options out there. At just 8.99%, the purchase rate is one of the lowest on the market, plus the annual fee is a relatively low $40 and you'll pay 0% interest on balance transfers for six months.

If you avoid carrying a balance each statement period then you’ll be able to take advantage of 55 interest-free days on your purchases. And speaking of purchases, you’ll be able to make them using your physical Low Rate Credit Card, or via your phone with either Apple Pay, Google Pay or Samsung Pay. 

Need a credit card you can use internationally? While you’ll definitely be able to take the Low Rate Credit Card on your next trip abroad, just bear in mind that there is a 3.00% foreign exchange margin for overseas purchases. 

It’s also worth mentioning that you’ll only be able to have one additional cardholder, and you’ll want to avoid making late payments otherwise you’ll be hit with a $20 fee.

Who is it good for

Given the low purchase rate and annual fee, Community First Credit Union’s Low Rate Credit Card really is one of the more reasonable credit card options around for cardholders wanting to minimise the amount of interest and fees they pay.

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Any catches

While the cash rate on this card is also on the lower side (comparatively) at 8.99%, it’s generally advisable to use a debit card when withdrawing your own money to avoid paying more than you need to.


Rates and fees information correct as at 23 January 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

8.99% p.a.


0% p.a. for 6 months and then 8.99% p.a.


8.99% p.a.


















Payment options

Apple Pay, Google Pay, Samsung Pay

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Customer service

About Community First Credit Union