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BSB 704-191
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Our lowest variable rate home loan

6.09%p.a
Basic Home Loan. Owner Occupied P&I. LVR up to 60%
6.12%p.a
Comparison Rate2
Online banking videos

We’re giving you the tools and confidence to bank safely online.

Our step-by-step video guides will lead you through the process.

It’s easy and it’s safe.

Learn more
We're phasing out cheques

We’re on a journey to a better way to pay in 2024.

Monday 30 September 2024 is the final day cheques, including international cheques, will be honoured.

We’re working with Members to ensure everyone has an alternative method of payment from 1 October 2024.

Learn more

Supporting you through each life stage

No matter what life stage you’re at, we’re here to support you with products and advice best suited to your individual needs. Explore your options below!

Saving for your first home?
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First Home Bonus Saver

Our First Home Bonus Saver earns extra interest with $600 cashback and the establishment fee waived if you take out a home loan with us. T&Cs apply.
4.60%p.a
Bonus interest rate3
0.05%p.a
Base interest rate
  • Cash back
  • No minimum first deposit
  • Grow your savings quickly
  • Earn bonus interest
Kickstart your savings online
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Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
Lock in a low rate
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Premier Package Home Loan

We’re here to support you with a home loan package to suit your needs. Available to owner occupied members LVR < 80%.
6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate1
7.00%p.a
Comparison Rate2
  • Low introductory variable rate
  • Multiple offset accounts
  • Flexible features
  • Enjoy discounts on other products
A helping hand
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Personal Loan

From a holiday to a renovation, sometimes you need a unique solution. Our Personal Loan can help you achieve your dream.
9.64%p.a
Variable interest rate
11.00%p.a
Comparison Rate4
  • Flexible repayment options
  • Redraw option
  • No ongoing fees
  • Secure a personal loan for up to 7 years
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Peace of mind
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Home and Contents Insurance

Feel at peace knowing your home and contents are safe with CGU Home and Contents Insurance.⁵
  • Choice of 3 cover options
  • Flexible payment options
  • Lodge claims 24/7
  • We've partnered with CGU, one of Australia's most trusted insurers
Ready for the future
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Financial planning

Need help to build your wealth and protect your family for the future? Chat to a Financial Planner today to explore your options.
  • Our expert, ethical advice is designed to put you first
  • Suitable investment strategies
  • Protect your loved ones
  • Estate planning
Lock in a low rate
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Premier Package Home Loan

We’re here to support you with a home loan package to suit your needs. Available to owner occupied members LVR < 80%.
6.40%p.a
Owner Occupied P&I. LVR less than 80%. 3 years introductory rate1
7.00%p.a
Comparison Rate2
  • Low introductory variable rate
  • Multiple offset accounts
  • Flexible features
  • Enjoy discounts on other products
Protect your family
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Life Insurance

Make the right decision to protect your family’s future. Whether it be life insurance or income protection, you can have peace of mind for your family’s future. Contact us today for a quote.
  • We’ve partnered with Zurich, whose focus is providing you cover that will give you peace of mind
  • A commitment to paying claims quickly, sensitively and transparently
  • Making it easy to get the information you need and the help you want
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Ready for the future
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Financial planning

Need help to build your wealth and protect your family for the future? Chat to a Financial Planner today to explore your options.
  • Our expert, ethical advice is designed to put you first
  • Suitable investment strategies
  • Protect your loved ones
  • Estate planning
Bonuses on savings
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Bonus Saver Account

Reach your savings goal quicker with a Bonus Saver Account. Get bonus interest when you make a deposit of at least $1 each month.
4.55%p.a
Bonus interest rate6
0.05%p.a
Base interest rate
  • No minimum first deposit, so you can start saving today
  • Interest calculated daily and applied monthly
  • Generous bonus interest
Kickstart your savings online
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Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
Grow your money
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Term Deposit

Grow your savings and keep your money safe for the future with a Term Deposit. Choose from a different range of terms to suit your needs.
  • Fixed return on your investments
  • Deposit protection
  • No monthly account or application fees
  • Flexible terms
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Everyday account for pensioners
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Pension Account

Competitive interest rates for pensioners to make sure that your money's working for you.
3.40%p.a
Interest rate (all amounts)
  • No minimum balance necessary
  • Access your funds whenever you need them for your everyday spending
  • Benefit from interest that is a higher rate than a standard transaction account
Kickstart your savings online
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Online Saver Account

With our Online Saver Account you can get rewarded while getting one step closer to your savings goal.
3.80%p.a
Interest rate ($2,000 and over)
0.05%p.a
Interest rate ($0 - $1,999)
  • Earn bonus interest
  • No monthly account keeping fees
  • Grow your savings quickly
  • Unlimited withdrawals with no penalty
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No wallet, no problem

Simply add your card to your digital wallet and pay on-the-go through Apple Pay7 or Google Pay7.

Quick and easy, tap and go.

    1. Premier Package annual fee of $390 will be waived for the first year and charged annually thereafter. Rate includes a 0.33% p.a. discount for Owner Occupied loans and 0.47% p.a. discount for Investment loans off the standard Premier Package variable rate for three years, after which it will revert to the standard Premier Package variable rate. Not available to existing Bank First owner occupied or investment home loan customers. Min loan $200k, max loan $2m, LVR up to 80% and interest only not available. Not available in conjunction with any other offer. Bank First reserves the right to amend or withdraw this offer at any time.

    2. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    3. Bonus interest additional to the base rate is earned when deposits totalling a minimum of $100 and no withdrawals are made in the calendar month.

    4. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

    5. Standard underwriting criteria and policy terms and conditions apply. Insurance issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 trading as CGU Insurance (CGU). In arranging this insurance, Victoria Teachers Limited ABN 44 087 651 769 AFSL 240960 trading as Bank First (Bank First), acts under its own AFSL and under an agreement with CGU, not as your agent. Bank First receives commission when selling CGU insurance products. Please refer to Bank First’s Financial Services Guide (FSG) for details of these commissions. 

    6. Bonus interest additional to the base rate applies when you make at least one deposit of a minimum of $1.00 and no withdrawals are made in the calendar month.

    7. Apple Pay is a trademark of Apple Inc, registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

    8. Available for Owner Occupier loans and to applicants employed within the Education and/or Healthcare sectors. Excludes equity release with refinanced loans, off-the-plan and Construction Loans. Postcode lending restrictions may apply. Credit criteria applies.

    9. Interest rates apply to new lending only.

     

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Bank First acknowledges the Traditional Custodians of the land on which we come together and we pay our respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples and other First Nations people who are part of our community.