{ "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "legal_entity_abn": "80087649938", "public_base_uri": "https://netbank.communityfirst.com.au/cf-OpenBanking", "logo_uri": "https://cms.communityfirst.com.au/wp-content/uploads/2025/04/CommunityFirstBank-logo-RGB.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-10T03:19:58Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Santa Saver","account_type":"savings","reference_balances":[10000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Santa Saver","account_type":"savings","reference_balances":[10000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":5.1,"base_rate_pct":5.1,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Santa Saver","account_type":"savings","reference_balances":[10000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":2.28,"base_rate_pct":2.28,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Everyday Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":4.0,"interest_paid":"quarterly","conditions":"k2","restrictions":["age_limited"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":2.28,"base_rate_pct":2.28,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Everyday Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":4.0,"interest_paid":"quarterly","conditions":"k2","restrictions":["age_limited"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":2.28,"base_rate_pct":2.28,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Everyday Plus","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":4.0,"interest_paid":"quarterly","conditions":"k2","restrictions":["age_limited"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Firstbiz Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Firstbiz Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Firstbiz Online Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "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" ], "k2": [ "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", "age 55 and over", "Available for Self-Managed Super Funds", "$4 monthly fee is waived with $2,000 deposited each calendar month or a membership value of $50,000 or more" ], "k3": [ "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" ] }, "unranked": { "products": 6, "transaction_account": 4, "offset_account": 1, "other_product": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "S14-EP", "product_name": "Everyday Plus", "product_label": "Everyday Plus", "product_slug": "everyday-plus", "page": "/au/finance/savings-accounts/accounts/commfcu/everyday-plus/", "product_url": "https://communityfirst.com.au/products/everyday-plus/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents", "fees_url": "https://communityfirst.com.au/tools/rates-and-fees", "eligibility_url": "https://communityfirst.com.au/products/everyday-plus/", "account_type": "savings", "segments": [ "personal", "smsf" ], "segment": "personal", "description": "An everyday transaction account for members who are aged 55+. 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"type": "max_withdrawals", "value": 0, "text": "To be eligible for Bonus Interest, no withdrawals can be made on the account in that month" } ], "extra_bonuses": [], "max_bonus_balance": 7000000, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 4.6, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 4.6, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 4.6, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 50, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 49, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 54, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 52, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, 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