You're Better Than Average

If you have an average credit card, you're probably used to 24% APR or more,1 high fees and steep penalties. The average credit card can end up costing you a lot of money. You're better than average. Your credit card should be too.

Our credit cards give you so much more.

  • A low everyday rate between 10.25% – 17.90% APR — our maximum interest rate is well below the average of everyone else’s.
  • No annual fee and no balance transfer or cash advance fees.2
  • Rewards options for cash back, travel and more.3
  • Free tools to help you monitor or improve your credit score.
  • One-of-a-kind experiences and adventures through Priceless® with Mastercard®.
  • Access to Live Nation's pre-sale and preferred ticketing for select festivals and venues. 

There’s a SchoolsFirst FCU credit card with your name on it.

SchoolsFirst FCU Rewards Mastercard.

Rewards Mastercard

Get 10,000 points (a $100 cash value) for opening a card and 1.5 points for every $1 spent.4

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SchoolsFirst FCU School Employee Credit Card.

School Employee Mastercard

School employees, earn 1.5% cash back5 into a 6.00% APY Summer Saver.6
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Image of the SchoolsFirst FCU Inspire Mastercard.

Inspire® Mastercard

0% introductory APR on purchases and balance transfers for the first six billing cycles; as low as 12.25% APR thereafter.7
 
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Disclosures
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 10/09/2026 and are subject to change without notice. See terms and conditions for Rewards Mastercard, School Employee Mastercard and Inspire Mastercard.
  1. Source: Forbes Advisor Weekly Credit Card Interest Rates Report.
  2. Foreign transaction fee for School Employee Mastercard and Inspire Mastercard: 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. Balance transfers are the transfer of balances from other lenders to your SchoolsFirst FCU credit card and cannot be applied to any amount you owe under any other credit agreement or account you have with SchoolsFirst FCU. Balance transfers are processed within two to three business days of submission and may take up to 30 days for the payment to be posted by the other lender.
  3. Rewards options only available for Rewards Mastercard and School Employee Mastercard.
  4. See Member Rewards Program Terms and Conditions for details.
  5. 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.
  6. APY = Annual Percentage Yield. Summer Saver rate is valid as of 10/09/2026, accurate as of last dividend declaration date, variable and subject to change after account opening. Minimum monthly deposit is $1; Maximum monthly deposit is $2,000; Annual maximum is $25,000, including a one-time catch-up deposit, dividend and credit card rewards deposits. Must be a current school employee to qualify; retired school employees are not eligible. Limited to one share per school employee Member.
  7. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular variable rate. Introductory APR does not apply to cash advances. Introductory offer is not available on converted credit cards. See terms and conditions.