First Choice Credit Union Members was merged with Beyond Bank on 1 February 2024. Please find Beyond Bank products here.
Formed in 1970 as Calare Credit Union, First Choice serves all residents of New South Wales (NSW), providing them with an alternative to the larger Australian Banks. You can visit them at their main office in Orange, or at any of their other five locations in NSW to open an account and begin small banking with big benefits.
First Choice Credit Union structures their savings products in a unique manner, encouraging you to continue saving by not paying interest when your balance falls below a certain amount. Interest payments are also different, and while calculated on your minimum monthly balance, in most cases will only be credited to the account annually. These are important features to think about when looking for a savings account that maximises your financial growth potential.
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With First Choice Credit Union you can make a term deposit investment of $500, at a competitive fixed rate of interest. Term periods start at three months and go up to one year, with interest payments limited to maturity only.
With the exception of the Online Saver and Mortgage Offset accounts, you must visit a First Choice Credit Union Branch in order to open an account in your name. In addition to having to be a member first, you also need to be an Australian resident with an Australian mailing address. The age requirement and amount of initial deposit will differ depending on the account that you are applying for. When going to visit your local branch, have with you a photo identification document as well as your tax file number (TFN) to avoid having a withholding tax deducted from your interest earnings.
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