​CREDIT CARD AND PERSONAL LOAN

RATES & TERMS

Rates quoted are effective as of EFFECTIVE_DATE and are subject to change without notice.

SchoolsFirst FCU’s loan program features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant’s credit rating. Loan terms are based on various factors, including the amount financed.

SchoolsFirst FCU's maximum aggregate personal loan limit is $50,000 per qualifying Member, including all individual and joint personal accounts.

All loans subject to credit approval.

For more information, visit our website at www.schoolsfirstfcu.org or call 800.462.8328.

Credit Cards

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Credit Cards Rates
Credit CardsRange of RatesMaximum Loan AmountMonthly Payment
Inspire Mastercard

No annual fee; variable rate.1

CLTYPE9500|T7|Rate - CLTYPE9500|T6|Rate APRUp to CLTYPE9500|MaxLoanAmt2% of the statement balance or $25, whichever is greater
School Employee Mastercard

No annual fee; variable rate.1

CLTYPE9600|T7|Rate - CLTYPE9600|T6|Rate APRUp to CLTYPE9600|MaxLoanAmt2% of the statement balance or $25, whichever is greater
Rewards Mastercard

No annual fee; variable rate.1

CLTYPE9700|T7|Rate - CLTYPE9700|T6|Rate APRUp to CLTYPE9700|MaxLoanAmt2% of the statement balance or $25, whichever is greater
Share-Secured Mastercard

No annual fee; currently fixed rate.1

CLTYPE8500|T7|Rate APRUp to CLTYPE8500|MaxLoanAmt2% of the statement balance or $25, whichever is greater
Credit Cards Rates
Credit Cards
Inspire MasterCard

No annual fee; variable rate.1

RatesCLTYPE9500|T7|Rate - CLTYPE9500|T6|Rate APR
Max Amt.Up to CLTYPE9500|MaxLoanAmt
Monthly Payment
2% of the statement balance or $25, whichever is greater
School Employee Mastercard

No annual fee; variable rate.1

RatesCLTYPE9600|T7|Rate - CLTYPE9600|T6|Rate APR
Max Amt.Up to CLTYPE9600|MaxLoanAmt
Monthly Payment
2% of the statement balance or $25, whichever is greater
Rewards Mastercard

No annual fee; variable rate.1

RatesCLTYPE9700|T7|Rate - CLTYPE9700|T6|Rate APR
Max Amt.Up to CLTYPE9700|MaxLoanAmt
Monthly Payment
2% of the statement balance or $25, whichever is greater
Share-Secured Mastercard

No annual fee; currently fixed rate.1

RatesCLTYPE8500|T7|Rate APR
Max Amt.Up to CLTYPE8500|MaxLoanAmt
Monthly Payment
2% of the statement balance or $25, whichever is greater

SchoolsFirst FCU credit cards feature no fees on cash advances, balance transfers, or over-limit transactions and a 25-day grace period on new purchases when the entire balance is paid in full by the payment due date each month and your previous balance is zero or a credit balance. For Inspire, School Employee and Share-Secured: Foreign Transaction Fee 2% of the transaction amount in US Dollars. 

Personal Loans

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Personal Loans Rates
Loan TypeRange of RatesMaximum Loan AmountMonthly Payment

Overdraft Protection Loan

Automatic payment transfer required.

CLTYPE3300|T7|Rate - CLTYPE3300|T6|Rate APRCLTYPE3300|MaxLoanAmt3% of the statement balance or $25, whichever is greater
Personal LoanCLTYPE3400|T7|Rate2 - CLTYPE3400|T6|Rate APRCLTYPE3400|MaxLoanAmtEstimated payment of CLTYPE3400|T7|Payment - CLTYPE3400|T6|Payment per $100 borrowed (based on a 36-month term)
Payroll Savings Loan3CLTYPE3900|T7|Rate APRCLTYPE3900|MaxLoanAmtAsk for details
Loan Type

Overdraft Protection Loan

Automatic payment transfer required.

Range of RatesCLTYPE3300|T7|Rate - CLTYPE3300|T6|Rate APR
Maximum Loan AmountCLTYPE3300|MaxLoanAmt
Monthly Payment
3% of the statement balance or $25, whichever is greater

Personal Loan

Range of RatesCLTYPE3400|T7|Rate2 - CLTYPE3400|T6|Rate APR
Maximum Loan AmountCLTYPE3400|MaxLoanAmt
Monthly Payment
Estimated payment of CLTYPE3400|T7|Payment - CLTYPE3400|T6|Payment per $100 borrowed (based on a 36-month term)

Payroll Savings Loan3

Range of RatesCLTYPE3900|T7|Rate APR
Maximum Loan AmountCLTYPE3900|MaxLoanAmt
Monthly Payment
Ask for details

Certificate-Secured Loan

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Certificate-Secured Loan
Certificate-Secured2.5% above the rate on your Share CertificateAsk for details
Certificate-Secured Loan
Certificate-Secured
Rates2.5% above the rate on your Share Certificate

Ask for details

APR = Annual Percentage Rate

1Variable rate, subject to increase after account opening. Share-Secured Mastercard - The APR is currently fixed and will remain fixed for a minimum of one-year after account opening. The APR is subject to change thereafter.  

2This rate reflects a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.

3Rate subject to change. Five percent of every loan advance will be placed in a "Payroll Savings Share account." Access to this share account will be restricted for 12 months after the opening date of the loan.