If you have an average credit card, you're probably used to 28% APR,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.

It's time to get rid of your average credit card and get a SchoolsFirst FCU credit card with:

  • A low, everyday rate between 11.75%17.90% APR.2 (That's right — our maximum interest rate is well below the average of everyone else's.)
  • No annual fee and no balance transfer or cash advance fees.3
  • Rewards options for cash back, travel and more.4
  • 25-day grace period on interest charges from the time your statement closes to when your payment is due.5
  • Free identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services.6
  • Access to one-of-a-kind experiences and adventures through with Mastercard.
  • Real-time access to your credit score and customized credit reports from SavvyMoney.

There's a SchoolsFirst FCU credit card with your name on it:

  • Rewards: Get 10,000 points (a $100 cash value) just for opening a card.
  • School Employee Credit Card: School employees, earn 1.5% cash back to your Summer Saver.7
  • Inspire: 0% introductory APR on balance transfers and purchases for the first six billing cycles; as low as 13.75% APR thereafter.8

APR = Annual Percentage Rate. Subject to credit approval.

  1. Source: Forbes Advisor Weekly Credit Card Rates Report
  2. 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. As of 07/21/2024 , Inspire Mastercard rates range from 13.75%17.90% APR; Rewards Mastercard rates range from 15.00%17.90% APR; and School Employee Mastercard rates range from 11.75%17.90% APR. Rates are subject to change, are variable and subject to increase after account opening.
  3. Foreign transaction fee for Inspire Mastercard and School Employee Mastercard: 2% of the transaction amount 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. No foreign transaction fee for Rewards Mastercard. See disclosures for School Employee Mastercard, Inspire Mastercard and Rewards Mastercard for details.
  4. Rewards options available for Rewards Mastercard and School Employee Mastercard.
  5. Does not apply to cash advances or convenience checks. Cash advances and convenience checks begin to accrue interest immediately.
  6. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  7. Earn 1.50% cash back on qualifying purchases. Cash advances, balance transfers and returns are not eligible for cash back. Deposits will be made monthly 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.
  8. 0.00% introductory APR applies to new purchases and balance transfers made within the first six billing cycles from account opening. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular variable rate. Introductory APR not applicable to cash advances. "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.