Community First Bank Santa Saver
savings accountchristmas clubstaleterms checked
Santa Saver is a savings account from Community First Bank. It pays 3.06% p.a. on balances up to $30,000 with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $30,000stepped: paid on the part of the balance in this band | 5.10% |
| $30,000.01+stepped: paid on the part of the balance in this band | 0.00% |
The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.
Conditions
- not updated by the bank since 2026-10-16, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
- a Christmas club account: withdrawals are restricted for most of the year
- a $20 fee to withdraw between 1 February and 31 October
Features
- app
- yes
Other features, in the bank's words:
- Some services only available during withdrawal period. Fees apply for withdrawals outside of this period
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- annually
- interest calculated
- daily
- open to
- personal customers
- christmas club
- a Christmas club account: withdrawals are restricted for most of the year
About this account
A savings account that helps you save for Christmas throughout the year and stops you dipping in to your savings by only allowing access to funds between 1 November and 31 January each year.
Data
- Community First Bank's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: christmas-saver-account; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/commfcu.json: this bank's accounts and every balance band as JSON; Community First Bank's page lists them.- The bank last updated this record on 16 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Community First Bank
- Everyday Plusstale savings account, 1.42% base at $50,000
- Firstbiz Online Saverstale savings account, 3.00% base at $50,000
- Goal Saver savings account, 4.60% conditional at $50,000
- Online Saverstale savings account, 3.50% base at $50,000
- Wildlife Saver Accountstale savings account, 0.70% base at $50,000
- Community Accountstale transaction account
- Everyday Accountstale transaction account
- FirstBiz Accessstale transaction account, 0.00% base at $50,000
- Pink Everyday Accountstale transaction account
All of Community First Bank's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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