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Member Notification
Member Notification

Federal Reserve Rate Decrease
The Federal Reserve (Fed) has made the decision to lower the federal funds rate by 0.25% on September 18, 2019.

When there is a fluctuation in the federal funds rate and subsequently in the prime rate, consumers will see a change in their variable rate loan products, including credit cards.

What does this mean for you?
If you have an existing loan or credit card with a variable interest rate tied to the prime rate, your interest rate is subject to change as described in your product Terms and Conditions.
Below is a list of SchoolsFirst FCU variable rate loan products that are affected by fluctuations in the prime rate.

Loan Product Rate change for
existing loans begins
Special Curriculum Loan (for School Employees) October 2019
Higher Education Loan October 2019
Home Equity Line of Credit (HELOC) October 2019
Inspire Credit Card November 2019
(based on your statement cycle)
Rewards Credit Card November 2019
(based on your statement cycle)
School Employee Credit Card November 2019
(based on your statement cycle)

For more information, please see frequently asked questions.

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.

Calculators Apply for a Loan More about Auto Loans
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.

Calculators Apply for a Loan More about Auto Loans
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.

Calculators Apply for a Mortgage More about 30-Year Fixed Mortgage
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.

Calculators Apply for a Credit Card More about Inspire MasterCard
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.

Calculators Open a Share Certificate More about Share Certificates