About SchoolsFirst FCU

“The Credit Union has something for everyone, from someone who is financially savvy to a person who just needs basic services.”

– Amy C.
Member Since 2010

About SchoolsFirst FCU
MEMBER FAVORITES BalanceTrack Checking Management
Personal Loan
Branch & In-Store Branch Services
Financial Wellness & Education
Fixed & Variable Annuities
School Employee Mastercard
School Employee Mastercard®


As a school employee, you go above and beyond for the educational community every day. Now there's a credit card that will do the same for you.

Features tailored to your unique financial needs

  • 1.5% cash back on purchases deposited into your Summer Saver account1
  • Interest-only payment option during the summer when you may not be receiving a paycheck2
  • Skip your December billing cycle payment without impacting your credit score3
  • Variable rate, adjusting a maximum of once a year each August4
  • Automatically lower your rate by 0.50% for every year you make on-time payments5

Enhanced layers of security to keep you protected

Keeping you covered7

  • Be covered for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car

Exclusively for Mastercard cardholders

  • Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures

View the Guide to Benefits


How to Apply


Log into Online Banking to complete an
Express Application






Monday through Friday, 7 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.





Any SchoolsFirst FCU branch




School Employee Mastercard
Credit Card8
Annual Percentage Rate (APR) Requirements
Variable rate. No annual, balance transfer or cash advance fees. 9.25% - 17.90% Must be a current school employee to qualify




APR = Annual Percentage Rate
Must be a current school employee to qualify for the School Employee credit card.


1Earn 1.5% cash back on qualifying purchases. Cash advances, balance transfers, and returns are not eligible for cash back. Deposits will be made monthly 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. 


2Offered during June, July and August. Members must contact SchoolsFirst FCU to confirm eligibility and to take advantage of interest-only payments.


3Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period.


4The Annual Percentage Rate is subject to change annually on the first business day of August. See our Mastercard agreement for details.


5Subject to eligibility. Rate reduced by 0.50% after 12 consecutive on-time payments, commencing with the first billing cycle. Payment remains the same. Maximum rate reduction will not exceed lowest APR offered.


6To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.


7Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard to secure transactions. Please refer to your Guide to Benefits for further details or call 1-800-MASTERCARD for assistance.


8SchoolsFirst FCU's credit card program features a range of interest rates based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of date and are subject to change without notice. Variable rate, subject to change after account opening. Foreign transaction fee: 2% of the transaction amount in US dollars.



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Apply for a Loan •  Apply for a Loan
Apply For a Home Loan •  Apply for a Home Loan
Workshops •  Workshops
Retirement & Investment Forms •  Retirement & Investment Forms
Statement of Fees •  Statement of Fees
Calculators •  Calculators