We’ll see you soon, Chula Vista.

JOIN NOW

Opening soon at
878 Eastlake Parkway, Suite 910, Chula Vista, CA 91914.

MICHAEL H. MEMBER SINCE 1995

Almost a century ago, a group of school employees got together with a simple idea.

The people who build our kids' futures deserved a financial institution that cared just as much about theirs.

Not just to offer teacher accounts. To be a Credit Union built solely for the people who work in schools.

And after nearly 100 years, we've learned a thing or two about what you need.

Banking created for school employees.

6.00% APY1 Summer Saver

Because summer break doesn't mean your bills take one too.

School Employee Credit Card

As low as 10.25% APR2 + 1.5% cash back3 to Summer Saver.

Take a break from car payments.

Skip your payments all summer.4 Your budget could use a break too.

3% down + no PMI5 + a $7,500 grant for eligible first-time homebuyers6

A little more help getting into a home of your own.

Free checking.7 No hoops, no minimums, no catch.

So you keep more of what you earn.

0% APR8 for classroom supplies and workwear

For the things you pay for out of your own pocket.

CalSTRS and CalPERS expertise

Real pension guidance from people who know how these systems work.
MARGIE D. AND FAMILY MEMBER SINCE 2011

We've been at this since 1934, and everything we've built has been built for you.

School employees don't do it alone. That's why Membership extends to family too. Because the people behind you matter to us too.

We're SchoolsFirst Federal Credit Union, the largest education Credit Union in the country, and we'll soon be in Chula Vista.

Providing great service comes with a few gold stars.

JD Power

Award-winning satisfaction — top marks in the JD Power Credit Union Satisfaction Study — two years in a row

Newsweek

America’s Best
Regional Banks and Credit Unions

Recognition: LA Times - Top Credit Unions in Southern California

Los Angeles Times

#1 Credit Union in SoCal

Recognition: OC Register Best of Orange County 2025 - Best Credit Union

The Orange County Register

Readers’ Choice Awards
Best Credit Union in Orange County

Style Magazine

Readers’ Choice Awards
Best Credit Union in the Greater Sacramento Region

Press-Enterprise

Readers’ Choice Awards
Favorite Credit Union
in the Inland Empire

Daily Breeze

Readers’ Choice Awards
Best Credit Union
in Gardena and Torrance

Coachella Valley Independent

Readers' Picks Best Credit Union in Palm Desert

Daily News

Readers’ Choice Awards
Favorite Credit Union in Pasadena

Orangevale View

People's Choice Awards Best Bank or Credit Union in Orangevale

Victorville Daily Press

Community's Choice Best Credit Union in Hesperia and Victorville

The reason why I stay with SchoolsFirst FCU is the customer service. I remember how I felt when I first walked through that door. It was the way they greeted me, how they make me feel ... and how they really cater to my needs."

If you work in, serve or are studying education, we're here for you.

School Employees

No bank understands you like we do. Everything is designed to support your financial goals in and out of the classroom.

LEARN MORE

Service Providers

You keep schools running smoothly. We offer products and personalized advice because we think your finances should run smoothly too.

LEARN MORE

Education Students

Your future is bright — and we're here to help you start strong with smart banking options.

LEARN MORE

Family Members

If you're related to a Member, you can be part of our financial community. Enjoy many of the same great benefits they do.

LEARN MORE

Phone handset in circle.
Call

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

(800) 462-8328
Locations

We offer over 70 branches in California and 30,000+ ATM locations.

FIND A BRANCH OR ATM
Not a Member?

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.

JOIN NOW
Disclosures
  1. APY = Annual Percentage Yield. Summer Saver rate is valid as of 11/09/2026, accurate as of last dividend declaration date, variable and subject to change after account opening. Must be a current school employee to qualify for Summer Saver; retired school employees are not eligible. Limited to one share per eligible school employee Member. Minimum monthly deposit is $1; maximum monthly deposit is $2,000; annual maximum is $25,000, including one-time catch-up deposit, dividends and credit card rewards deposits.
  2. 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 10/27/2026, are variable and are subject to change without notice. See important terms, rates and fees.
  3. Earn 1.5% cash back on qualifying purchases. Cash advances, balance transfers and returns are not eligible for cash back. Deposits will be made monthly to a Summer Saver account. 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.
  4. Restrictions apply. Interest will continue to accrue during the skip payment period. Member must be in good standing.
  5. Interest Rate/APR are higher for programs available with no PMI.
  6. All loans subject to approval. Lending area: State of California. All programs are subject to change without notice. Total funds available for the School Employee Mortgage Grant program are limited and are reserved according to the order in which eligibility is determined. Members who receive grant funds are not eligible to receive an additional grant in the future. Grant funds must be used as the final source of funding to close the purchase, following all other funding sources; for example, seller concessions, and/or other financial gifts or assistance. Contact your tax advisor or accountant to determine tax implications of receiving a grant.
  7. Must be 18 years or older. ChexSystems verification and $25 minimum opening deposit required.
  8. Classroom Supplies Loan is available to certificated school employees; Uniform Loan is available to classified school employees. Member must have a SchoolsFirst FCU account in good standing. Rate quoted reflects a 0.75% discount for automatic payment transfer from a SchoolsFirst FCU savings or checking account. Requires at least one recently posted payroll deduction or direct deposit of at least $100 for Classroom Supplies Loan and $50 for Uniform Loan into a SchoolsFirst FCU share account. Subject to approval.