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School Employee Mastercard®

Rates as low as

10.25 % APR1

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Benefits to make your school year better and the summer months, too.

 
Earn 1.5% cash back2 into your 6.50% APY Summer Saver.3
 

Make interest-only payments during the summer.4

 

Skip your December billing cycle payment without impacting your credit score.5

 

Your rate is lowered by 0.50% for every year you make on-time payments.6

 

Apple Pay®, Google WalletTM and Samsung PayTM.

 

50% off your first two months of a new Standard or Premium MoviePass plan.‡†

SchoolsFirst FCU Member Gary G.
GARY G. MEMBER SINCE 2015

Just for School Employees

We’ve designed a Mastercard you can depend on all year long. Use it for everyday purchases and get 1.5% cash back deposited in your Summer Saver account to help you enjoy a worry-free summer.2,3 Make interest-only payments during June, July and August, to stretch your dollars even further.4

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.
  • Unlock access to Live Nation's pre-sale and preferred ticketing for select festivals and venues.
  • Coverage for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car.†‡
  • Complimentary HealthLock Medical Claim Monitor membership plus a free 90-day upgrade to all HealthLock services.‡†
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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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Being dedicated to serving school employees comes with a few gold stars.

J.D. Power

No. 1 Credit Union for Member Banking Satisfaction

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

Recognition: Newsweek - Best Banks and Credit Unions

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

Recognition: Coachella Valley Independent - Best Credit Union in the Coachella Valley

Readers' Picks

Best Credit Union in Coachella Valley

Daily News

Readers’ Choice Awards
Favorite Credit Union in Pasadena

People's Choice Awards Best Credit Union in Orangevale

Orangevale View

People's Choice Awards Best Credit Union in Orangevale

Managing Your Credit

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Find the Right Credit Card for You

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Loans for School Employees

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Locations

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

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Disclosures
  1. 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 11/14/2025, are variable and are subject to change without notice. See important terms, rates and fees.
  2. 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.
  3. APY = Annual Percentage Yield. Summer Saver rate is valid as of 11/14/2025, 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.
  4. Offered during June, July and August. Members must contact SchoolsFirst FCU to confirm eligibility and to take advantage of interest-only payments.
  5. 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.
  6. Not available on School Employee credit cards approved at the lowest APR offered. Rate reduced by 0.50% APR after 12 consecutive on-time payments, commencing with the first billing cycle. Maximum rate reduction will not exceed lowest APR offered at the time of funding. Restrictions apply to the maximum number of rate reductions. Minimum monthly payment calculation remains the same. Please refer to the Agreement and Disclosure Statement for further details.

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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