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If you’re a school employee Member, this card is filled with features that anticipate your needs during the school year and all summer long. When you use it for everyday purchases, it can help you save for months when you may not receive a paycheck.

Unique features for school employees

  • Variable rates as low as CLTYPE9600|T7|Rate APR
  • Earn 1.5% cash back into your Summer Saver.1
  • Make interest-only payments during the summer.2
  • Skip your December billing cycle payment without impacting your credit score.3
  • Automatically lower your rate by 0.50% for every year you make on-time payments.4

What you get with a Mastercard

  • No cash advance fee, annual fee, or balance transfer fee.
  • EMV chip-enabled technology to help protect you from fraud.
  • Apple Pay®, Google PayTM, and Samsung Pay.TM
  • Identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services with Mastercard ID Theft Protection.TM5
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.6
  • Enjoy access to Priceless® Cities, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.



Log in to Online Banking to get started

Call 800.462.8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.




APR = Annual Percentage Rate. Subject to credit approval. SchoolsFirst FCU's credit card program features a range of variable interest rates based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of MM/DD/YYYY and are subject to change without notice. Foreign transaction fee: 2% of the transaction in U.S. dollars, includes Internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country.

Must be a current school employee to qualify for the School Employee credit card.

  1. Earn 1.5% cash back on qualifying purchases. Cash advances, balance transfers, and returns are not eligible for cash back. Deposits will be made quarterly to Summer Saver. If Summer Saver maximum contribution limits have been reached, or if no Summer Saver share is open, deposit will be placed in Member's Primary Share 01 (Savings). Account must be open, current and in good standing.
  2. Offered during June, July and August. Members must contact SchoolsFirst FCU to confirm eligibility and to take advantage of interest-only payments.
  3. Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period.
  4. Subject to eligibility. Rate reduced by 0.50% after 12 consecutive on-time payments, commencing with the first billing cycle. Payment remains the same. Maximum rate reduction will not exceed lowest APR offered.
  5. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  6. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call 1-800-MASTERCARD for assistance.

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Invite your immediate family and eligible colleagues to join SchoolsFirst Federal Credit Union!

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