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SchoolsFirst FCU Inspire® Mastercard

Rates as low as

12.00 % APR1

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Featuring tools to monitor and improve your credit score.

 

0% introductory rate for purchases and balance transfers within the first six billing cycles.2,†

 

Skip your December billing cycle payment without impacting your credit score.2

 

Apple Pay®, Google WalletTM and Samsung PayTM.

 
Rates from 12.00% – 17.90% APR after the introductory period ends.1
 

Get your free credit score and customized reports from SavvyMoney.

 

Access Live Nation's pre-sale and preferred ticketing for select festivals and venues.

Member Deisha H.
DEISHA H. MEMBER SINCE 2001

Build Strong Credit Habits

Taking steps to improve your credit starts with making consistent on‑time payments. With free real‑time credit monitoring and a low rate that helps keep payments manageable, the SchoolsFirst FCU Inspire Mastercard gives you the tools to stay on track. 

Carrying a balance somewhere else? Transferring your balance to Inspire can help simplify your payments and stay organized – with no balance transfer fees.†  

What You Get With Every Mastercard

  • No cash advance, annual or balance transfer fees.†
  • EMV chip-enabled technology to help protect you from fraud.
  • Free identity theft monitoring and alerts, emergency wallet replacement and identity theft resolution services with Mastercard ID Theft ProtectionTM.‡
  • Apple Pay®, Google WalletTM and Samsung PayTM.
  • Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.
  • Get your free credit score and customized reports from SavvyMoney.
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.†‡
  • Unlock access to Live Nation's pre-sale and preferred ticketing for select festivals and venues.
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Credit Card Debt Protection for Life’s What-Ifs

If you’re unable to work due to involuntary job loss or illness,◆ Payment Shield Plus is designed to be an affordable way to safeguard your finances by waiving your monthly payments on your SchoolsFirst FCU Mastercard. And it protects your family by canceling your loans or credit card balance (up to the maximum allowed by your contract) if you pass away.⧱

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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

Forbest Best-in-State Credit Unions award logo, 2025.

Forbes' Best-In-State
Credit Unions 2025

Voted Best Credit Union in California for Seven Years

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

Managing Your Credit

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Demystifying Your Credit Score

READ MORE
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Debt Payoff

CALCULATOR
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Explore Our Mastercards

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Locations

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

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Disclosures
    APR = Annual Percentage Rate. Subject to credit approval.
  1. 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 05/22/2026 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. See important rates, terms and fees.
  2. 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.
  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.

AGREEMENT AND DISCLOSURE STATEMENT  |  GUIDE TO BENEFITS

  • Foreign transaction fee: 2% of the transaction amount in U.S. dollars for School Employee, Inspire and Share-Secured credit cards, 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. There is no grace period for cash advances. Interest begins accruing from the posting date of the cash advance. See disclosures for School Employee Mastercard, Inspire Mastercard, Rewards Mastercard and Share-Secured Mastercard.
  • To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  • 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 (800) 627-8372 for assistance.
  • Terms and conditions apply.
  • If the outstanding loan balance is greater than $100,000, the rate will not be applied to the amount that exceeds $100,00. Loss of Life will provide 25% of the protected balance or $25,000 (whichever is less) after the last day of the month the protected individual reaches age 75.

Payment Shield Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Payment Shield Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

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