​CREDIT CARD AND PERSONAL LOAN

RATES & TERMS

Rates quoted are effective as of 2/7/2023 and are subject to change without notice.

SchoolsFirst FCU’s loan program features a range of interest rates for some of its consumer loans. A rate is based on a variety of factors, including the applicant’s credit rating. Loan terms are based on various factors, including the amount financed.

SchoolsFirst FCU's maximum aggregate personal loan limit is $50,000 per qualifying Member, including all individual and joint personal accounts.

All loans subject to credit approval.

For more information, visit our website at www.schoolsfirstfcu.org or call 800.462.8328.

Credit Cards

Credit Cards Rates
Credit Cards Range of Rates Maximum Loan Amount Monthly Payment
Inspire Mastercard

See Terms and Conditions

12.75% - 17.90% APR Up to $35,000.00 2% of the statement balance or $25, whichever is greater
School Employee Mastercard

See Terms and Conditions

10.75% - 17.90% APR Up to $35,000.00 2% of the statement balance or $25, whichever is greater
Rewards Mastercard

See Terms and Conditions

14.00% - 17.90% APR Up to $35,000.00 2% of the statement balance or $25, whichever is greater
Share-Secured Mastercard

See Terms and Conditions

13.90% APR Up to $5,000.00 2% of the statement balance or $25, whichever is greater
Credit Cards Rates
Credit Cards
Inspire MasterCard

See Terms and Conditions

Rates12.75% - 17.90% APR
Max Amt.Up to $35,000.00
Monthly Payment
2% of the statement balance or $25, whichever is greater
School Employee Mastercard

See Terms and Conditions

Rates10.75% - 17.90% APR
Max Amt.Up to $35,000.00
Monthly Payment
2% of the statement balance or $25, whichever is greater
Rewards Mastercard

See Terms and Conditions

Rates14.00% - 17.90% APR
Max Amt.Up to $35,000.00
Monthly Payment
2% of the statement balance or $25, whichever is greater
Share-Secured Mastercard

See Terms and Conditions

Rates13.90% APR
Max Amt.Up to $5,000.00
Monthly Payment
2% of the statement balance or $25, whichever is greater

Personal Loans

Personal Loans Rates
Loan TypeRange of RatesMaximum Loan AmountMonthly Payment

Overdraft Protection Loan

Automatic payment transfer required.

10.50% - 17.90% APR$5,000.003% of the statement balance or $25, whichever is greater
Personal Loan7.49%2 - 18.00% APR$50,000.00Estimated payment of $3.11 - $3.62 per $100 borrowed (based on a 36-month term)
Payroll Savings Loan317.90% APR$500.00Ask for details
Loan Type

Overdraft Protection Loan

Automatic payment transfer required.

Range of Rates 10.50% - 17.90% APR
Maximum Loan Amount $5,000.00
Monthly Payment
3% of the statement balance or $25, whichever is greater

Personal Loan

Range of Rates 7.49%2 - 18.00% APR
Maximum Loan Amount $50,000.00
Monthly Payment
Estimated payment of $3.11 - $3.62 per $100 borrowed (based on a 36-month term)

Payroll Savings Loan3

Range of Rates 17.90% APR
Maximum Loan Amount $500.00
Monthly Payment
Ask for details

Certificate-Secured Loan

Certificate-Secured Loan
Certificate-Secured2.5% above the rate on your Share CertificateAsk for details
Certificate-Secured Loan
Certificate-Secured
Rates2.5% above the rate on your Share Certificate

Ask for details

APR = Annual Percentage Rate

1Variable rate, subject to increase after account opening. Share-Secured Mastercard - The APR is currently fixed and will remain fixed for a minimum of one-year after account opening. The APR is subject to change thereafter.  

2This rate reflects a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account.

3Rate subject to change. Five percent of every loan advance will be placed in a "Payroll Savings Share account." Access to this share account will be restricted for 12 months after the opening date of the loan.