---
title: "Santa Saver — CommFCU"
description: "Transaction & Savings Accounts from CommFCU. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commfcu/products/S25-CS
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T16:36:09.000+10:00
---

# Santa Saver — CommFCU

> Transaction & Savings Accounts from CommFCU. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Community First Credit Union**

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.

## At a glance

- **Base rate:** 4.85%

## Apply

Applications are handled by the provider: [Apply at CommFCU](https://forms.communityfirst.com.au/communityfirst/form/CommunityFIrstBankAccountApplication/formperma/D6ZiLR6UD0OEEM_ri2MCzzM_Qbc0tjd22AsdodRAozA?Advertising=Productpages)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (Interest payable on balances up to $30,000) | 4.85% | Santa Saver_Tier_1 | yearly |
| Variable (Interest payable on balances up to $30,000) | 0% | Santa Saver_Tier_2 | yearly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| STAFF_ASSISTED_TRANSFER | Event | $2.00 |
| EARLY_WITHDRAWAL_FEE — Applicable only on the Christmas Saver and Santa Saver accounts | Withdrawal | $20.00 |
| DORMANCY_FEE — Applicable on all savings accounts | Event | $20.00 |
| OVERDRAWN_FEE — Charged last day monthly | Event | $10.00 |
| DISHONOUR_-_DIRECT_DEBIT — Charged on the day of the dishonour | Dishonour | $20.00 |
| DISHONOUR_-_PERIODICAL_PAYMENT — Charged on the day of the dishonour | Dishonour | $20.00 |
| ACCOUNT_COMBINATION_FEE | Event | $5.00 |
| FORCED_PAYMENT — Charged on the day | Event | $20.00 |
| EFT_INVESTIGATION_FEE — Includes NPP Payments, incorrect amount transferred; elleged unauthorised transactions; request to recall funds | Event | $35.00 |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) — Charged per page. For statements issued prior to January 1997 the fee is $3 per page. | Event | $1.50 |
| DRAFTS — Charged on the day of the transaction | Event | $17.50 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(TT) | Event | $50.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER | Event | $30.00 |
| TRAVELEX_SERVICES — Charged at cost | Event | $0.00 |
| FOREIGN_CHEQUE_ENCASHMENT — For values over $A25,000 the fee applicable is $57.50. | Event | $12.50 |

## Features

- **Digital banking**
- **Some services only available during withdrawal period. Fees apply for withdrawals outside of this period**

## Eligibility

- **Individuals only**

## More information from CommFCU

- [Overview](https://communityfirst.com.au/products/christmas-saver-account)
- [Terms & conditions](https://communityfirst.com.au/support/important-information/disclosure-documents)
- [Eligibility](https://communityfirst.com.au/products/christmas-saver-account)
- [Fees & pricing](https://communityfirst.com.au/tools/rates-and-fees)

## Data provenance

- Published by CommFCU under the Consumer Data Right
- Product ID: `S25-CS`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commfcu/S25-CS
- Provider page: https://www.cdrcompare.au/brands/commfcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000031

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commfcu/products/S25-CS) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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