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WHAT OUR MEMBERS SAY
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

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Credit Card and Personal Loan Rates & Terms




Credit Card and Personal Loan Rates & Terms

 

Rates quoted are effective as of date 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
  Range of Rates Maximum Loan Amount Monthly Payment

Inspire Mastercard


No annual fee; variable rate.1

8.50% –
17.90% APR
Up to $25,000 2% of the statement balance or $25, whichever is greater

School Employee Mastercard


No annual fee; variable rate.1

7.50% –
17.90% APR
Up to $25,000 2% of the statement balance or $25, whichever is greater
Rewards Mastercard

No annual fee; variable rate.1
11.50%17.90% APR Up to $25,000 2% of the statement balance or $25, whichever is greater

Share-Secured Mastercard


No annual fee; currently
fixed rate.

13.90% APR Up to
$5,000
2% of the statement balance or $25, whichever is greater

SchoolsFirst FCU credit cards feature no fees on cash advances, balance transfers, or over-limit transactions and a 25-day grace period on new purchases when the entire balance is paid in full by the payment due date each month and your previous balance is zero or a credit balance. For Inspire, School Employee and Share-Secured: Foreign Transaction Fee 2% of the transaction amount 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.

 

Personal Loans
  Range of Rates Maximum Loan Amount Monthly Payment
Overdraft Protection Loan

Automatic payment transfer required.
12.90%17.90% APR $5,000 3% of the statement balance or $25, whichever is greater
Personal Loan 5.75%2
18.00% APR
$50,000 Estimated payment of
$3.03 – $3.62 per $100 borrowed (based on a 36-month term)
Payroll Savings Loan3 17.90% APR $500 Ask for details

 

Certificate-Secured Loan
Certificate-Secured 2.5% above the rate on your Share Certificate Ask for details

APR = Annual Percentage Rate
1Variable rate, subject to increase after account opening.
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.

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WHO CAN JOIN?
WHO CAN JOIN?
School Employees

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

 

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Family Members

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

 

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