About SchoolsFirst FCU

“A great partner makes all the difference. SchoolsFirst FCU is with us every step of the way.”

- Gwynne and Wayne S. 
Members Since 1957

About SchoolsFirst FCU
MEMBER FAVORITES Social Media Channels
Branch & In-Store Branch Services
Free Checking
Financial Wellness & Education

Welcome to SchoolsFirst FCU. We're Your Biggest Fans. 

Everything we know about being an expert partner and empowering our Members, we learned from you. We’ve been helping school employees build their futures for more than eighty years. Wherever you’re starting from, we can’t wait to help you bring your future to life.

See Who Can Join

Membership has its Benefits 
We design our products and services with you in mind, creating an ever-growing number of lower-cost, higher-quality offerings to help you build a strong financial future.

Free Checking1

Truly Free Checking; no minimum balance requirement, no monthly fee and unlimited transactions.

Receive your paycheck one day early with direct deposit.2


No Interest Uniform Loan

0% APR3 interest loan up to $500 to help you purchase clothing, equipment, or special tools you need to do your job.

Learn more about our Uniform Loans.


Low Rate Auto Loans

Competitive low rates on new or used cars, or refinance. Terms are available up to 84 months.4

Plus, skip payments with our Summers Off Auto Loan Program.5


School Employee Credit Card

Interest-only payments available during the summer.6

Receive 1.5% cash back on your purchases.7

Skip one payment in January without impacting your credit score.8


Members Save an Average of $1,838 a Year 

Members who use our credit cards, auto and mortgage loans, checking and share accounts, save an average of $1,838 a year compared to banks in California.

Learn About The Value of Membership

Access and Convenience

We make it easy for you to bank when, where and how you want.

  • eServices - deposit checks, pay bills, check balances with Mobile Banking, Online Banking & Bill Pay
  • More than 45 branch locations throughout Southern California 
  • More than 28,000 fee-free CO-OP Network ATMs nationwide 
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APR = Annual Percentage Rate

1$5 minimum deposit required to establish and maintain Membership. Eligibility subject to verification and ChexSystems review. Unlimited check writing; Unlimited transactions at SchoolsFirst FCU and CO-OP Network ATMs; $1 each for out-of-network transactions. SchoolsFirst FCU out-of-network ATM fee waived for school employee Members. $25 minimum initial deposit requirement waived with direct deposit setup or for school employee Members.

2Limited to participating districts.

3Rate reflects a 0.75% discount for payment made by automatic payment transfer from your SchoolsFirst FCU account. Minimum payment $25/month. For a $500 uniform loan for a term of 10 months with 0% APR, the monthly payment will be $50. Rate quoted is effective as of 3/8/2018 and is subject to change. Requires at least one recently posted payroll deduction or direct deposit of at least $50 into a SchoolsFirst FCU share account. Limit one Uniform Loan per Member per calendar year. All loans are subject to approval.  

4Our auto financing program features a range of rates based on various factors, including the applicant's credit rating. See rate sheet for rates on new and used autos. Rates are subject to change. Lowest new auto rate quoted is for up to a 60-month loan with an estimated monthly payment of $1.74 per $100 borrowed. Rates quoted reflect a 0.75% discount for automatic payment transfer from you SchoolsFirst FCU account. Maximum term based on various factors, including amount financed. 

5Member must be a school employee with an auto loan in good standing. Minimum monthly payment remains the same and interest continues to accrue during the summer months. Loan term will be extended. Original loan term must be 60 months or less. 

6Offered during June, July and August. Members must contact SchoolsFirst FCU to confirm eligibility and to take advantage of interest-only payments.

7Earn 1.5% cash back on qualifying purchases. Cash advances, balance transfers, and returns are not eligible for cash back. Deposits will be made quarterly 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. 

8Automatically offered during January billing cycle to qualified Members. Interest will continue to accrue during the skip payment period.

School Employees

Employees and retirees of eligible primary and secondary schools, colleges and universities.



Family Members

Immediate family members of existing SchoolsFirst FCU Members can join too.