Community First Credit Union
Community First Credit Union

Junior Saver Account

Variable Rate
0.50% p.a.

  • The Junior Saver account is a special savings account designed specifically for under 18 year olds. With the help of a parent or guardian, Members under 12 years can start their financial education and get in to the habit of saving on a regular basis. This account encourages children as well as teenagers to save, while earning interest on their balances.
  • Features and access options:
  • - Interest calculated daily, paid tri-annually
  • - No transaction fees^
  • - No account keeping fees^
  • - No minimum opening balance
  • - ATM card access via a Debit card (only available to Members 12 years and over)
  • - Ability to perform direct debits and credits
  • - BPAY facility
  • - Optional deposit book
  • - Ability to make regular deposits and make free withdrawals^
  • - Access to coin counting machines via our Financial Services Stores
  • - Access via Telephone Banking, Internet Banking, Mobile Banking and over the counter
  • - Ability to deposit pay directly in to the account from part time employment
  • ^Withdrawals from some ATMs will incur direct charge fees. Number of free withdrawals are based on total relationship. See our Member Allowance on our web page at for more information.

Key Features
No Account
Keeping Fee
Linked Account

Account Details

Account Type Savings
Min. Opening Amount $0.00
Min. Balance $0.00
Monthly Account Fee $0.00
Interest Calculation Frequency Daily
Interest Payment Frequency Quarterly
Interest Paid In Steps?


ATM Withdrawal Fee $0.00
ATM Balance Fee $0.00
ATM Balance Fee $0.00
Daily ATM Withdrawal Limit $1,000.00
EFTPOS Fee $0.00
Debit Card Replacement Fee $12.50

Fee Details

Service Fee Frequency
Fee Rebate Available
Balance Required for Fee-Free $0.00


Account available only to Members aged under 18 years. Visa Debit card is only available to Members aged 12 years and over.

Internet & Phone Fees

Phone Transaction Fee $0.00
Internet Transaction Fee $0.00
Free Electronic Trans. per Month 0

Counter & Cheque Fees

Counter Deposit Fee $0.00
Counter Withdrawal Fee $0.00
Free Counter Trans. Per Month 0
Cheque Fee $0.00
Cheque Dishonour Fee $25.00
Debit Item Dishonour Fee $25.00

Overseas Access

Overseas ATM Facilities
Overseas ATM Balance Fee $0.00
Overseas ATM Withdrawal Fee $0.00
Overseas EFTPOS Fee $0.00
OS Emergency Card Replacement $175.00
Overdrawn Account Fee -
Foreign Transaction Fee