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2019 Holiday Closure and Special Hours Schedule
What To Do If You Suspect Fraud
How to Join
How to Join

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today! 



If you are a school employee, retired school employee, immediate family member of a SchoolsFirst FCU Member, including spouse, domestic partner, mother, father, sibling, son, daughter, grandparent, grandchild, you are eligible to join. 


We serve educational communities in the state of California.



To complete your Membership application, you'll need:

  • One form of valid identification (state issued Driver License, state issued Identification Card, U.S. Military ID Card, U.S. Passport, U.S. Passport Card, Resident Alien Registration Card, U.S. Territories Driver License, Mexico Matricula Consular Card)1
  • A check, debit card or credit card to deposit $5 to your Share Savings account (the minimum required to establish and maintain Membership)
  • Most recent payroll stub (if you're a school employee) or other proof of eligibility

Apply Now


You can also join in a branch or by completing the Membership Application or a Youth Membership Applicationif you are a minor and mailing to: 


SchoolsFirst Federal Credit Union 

Attn: Membership Development

P.O. Box 11957

Santa Ana, CA 92711-1957



1Under the USA Patriot Act, all financial institutions are required to obtain, verify and record information that identifies each person who opens an account. When you open a new account with SchoolsFirst FCU, we will ask for your name, address, date of birth, and other identifying information. We may also ask to see your driver license or other form of identification.

2Junior Varsity accounts (minors 12 and under) require a parent/legal guardian on all shares; for Varsity accounts (minors age 13 – 17) require a parent/legal guardian on certain products and services. See our Account Disclosure for more details.

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 10.25% 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 2.50% APY
Minimum opening deposit: $500
Rates among the best in the U.S. compared to bank CDs.

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