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Who Can Join?
Who Can Join?



We serve the educational community in the state of California.

School Employees Retired School Employees Family

Employees of:

  • Public elementary and secondary schools
  • County Superintendents of Schools
  • Private elementary and secondary schools listed in the California Department of Education School Directory
  • Community colleges
  • Authorized colleges and universities
  • Authorized education foundations

In addition to:

  • Members of the Board of Trustees of eligible schools

Employees who have retired from an eligible school and are receiving a pension or annuity from that entity's retirement program (such as CalSTRS or CalPERS).


Immediate family members of existing SchoolsFirst FCU Members, which includes:

  • Spouse
  • Domestic partner
  • Mother
  • Father
  • Brother
  • Sister
  • Son
  • Daughter
  • Grandparent
  • Grandchild


Today's Rates
Auto Loans (New)
as low as 2.99% APR
36-Month New Auto Loan
We offer a range of competitive rates and flexible terms to fit almost every financial situation. Get pre-approved and visit the dealer with your financing in hand.

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Auto Loans (Used)
as low as 3.14% APR
36-Month Used Auto Loan
Whether you’re buying used, or want to refinance a loan from another lender to lower your payment, we can help you find the right solution.

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Mortgage (30-Year)
as low as 3.77% APR
30-Year Fixed Mortgage (Conforming)
If you are primarily interested in a low payment that won’t ever increase, and plan on staying in your home at least five years, a 30-year fixed mortgage may be right for you.

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Credit Card
as low as 10.00% APR
Inspire MasterCard
As with all our credit cards, you'll enjoy our everyday low interest rates, and because we charge no annual, balance transfer, or cash advance fees, you'll save more than with other higher rate cards.

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Summer Saver
as high as 3.75% APY
Exclusively for School Employees
Ensures you'll have sufficient funds to get you through the months you don't receive a paycheck.

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Share Certificate
as high as 2.45% APY
Minimum opening deposit: $500
Rates among the best in the U.S. compared to bank CDs.

Calculators Open a Share Certificate More about Share Certificates