SchoolsFirst Federal Credit Union Credit Cards

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SchoolsFirst FCU Inspire Mastercard Credit Card

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Regular Purchase APR 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
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Date Reviewed: May 25, 2022

Best Benefits

Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
Get your credit score and customized credit reports for free from SavvyMoney
Skin your December billing cycle payment without affecting your credit score
Enjoy Priceless Cities benefits exclusive to Mastercard cardholders

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 9.25% to 17.90% variable based on creditworthiness and the Prime Rate
Penalty APR: 17.90%
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $25
Return Payment Penalty Fee: $20

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SchoolsFirst FCU Rewards Mastercard® Credit Card

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Regular Purchase APR 10.50% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 10.5% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Excellent , Good , Fair
Processing Network Mastercard

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Date Reviewed: May 25, 2022

Best Benefits

Earn 1.5 points per dollar spent on every purchase
Redeem points for cash, travel, merchandise and more. Points earning is unlimited and they never expire
Skip your December billing cycle payment without an impact to your credit score
Enjoy Priceless Cities benefits exclusively for Mastercard cardholders

Rates & Fees

Regular Purchase APR: 10.50% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 10.5% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
Penalty APR: 17.90%
Late Payment Penalty Fee: $25
Return Payment Penalty Fee: $20

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SchoolsFirst FCU School Employee Mastercard®

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Regular Purchase APR 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Excellent , Good , Fair
Processing Network Mastercard

Visit Card Site Read Review Terms & Conditions

Date Reviewed: May 25, 2022

Best Benefits

Earn 1.5% cash back on purchases — deposited into your Summer Saver account
Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
Ability to skip your December billing cycle without credit score being impacted
Automatically get a 0.50% lower rate for every year you make on-time payments

Rates & Fees

Regular Purchase APR: 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Cash Advance APR: 7.25% to 17.90% variable based on creditworthiness and the Prime Rate
Penalty APR: 17.90%
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $25
Return Payment Penalty Fee: $20

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SchoolsFirst FCU Share Secured Mastercard® Credit Card

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Regular Purchase APR 13.9%
Balance Transfer APR 13.9%
Cash Advance APR 13.9%
Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
Fair , Poor
Processing Network Mastercard

Visit Card Site Read Review Terms & Conditions

Date Reviewed: December 31, 2020

Best Benefits

Establish or re-establish your credit history with this secured credit card
Get a credit limit with a deposit between $500 and $5,000
Get Mastercard Enhanced ID Theft Protection to monitor your identity
Compatible with Apple Pay

Rates & Fees

Regular Purchase APR: 13.9%
Balance Transfer APR: 13.9%
Cash Advance APR: 13.9%
Penalty APR: 17.9%
Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $25
Return Payment Penalty Fee: $20
Minimum Deposit Required: $500

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About SchoolsFirst Federal Credit Union

SchoolsFirst Federal Credit Union is a California-based credit union that serves teachers and the wider-educational community. With its headquarters in Santa Ana, CA, the credit union is one of the largest credit unions in the United States, with over $16 billion in total assets.

SchoolsFirst FCU dates to 1934 and the depths of the Great Depression. In 1934, 125 school employees started the Orange County Teachers Credit Union. That credit union originally had a state charter, updated for a federal charter in 1983, as the credit union became Orange County Teachers Federal Credit Union. The FCU took its current name, SchoolsFirst Federal Credit Union, in 2008, as it merged with Schools Financial Credit Union.

SchoolsFirst offers a full range of banking services, including savings and checking accounts, loans, mortgages, investments, and credit cards.

Membership Eligibility

Membership in SchoolsFirst FCU is open to the entire educational community in the state of California. This wide-ranging membership includes:

Employees of:
- Public elementary and secondary schools
- County Superintendents of Schools
- Private elementary and secondary schools listed in the California Department of Education School Directory
- Community colleges
- Authorized colleges and universities
- Authorized education foundations
Members of the Board of Trustees at eligible schools
Eligible retirees (those receiving pensions from CalSTRS or CalPERS)
Immediate family of existing SchoolsFirst members

Branch Locations

The credit union operates 50 branches across California, with most branches in the Southern California home base of the bank. For a complete listing of all SchoolsFirst Federal Credit Union branch locations, including directions, hours of operation, and contact numbers, please visit the bank’s dedicated locations page.

SchoolsFirst members also have access to more than 28,000 fee-free ATMs across the United States through the CO-OP ATM Network.

SchoolsFirst FCU FAQs

Here are answers to commonly-asked questions about SchoolsFirst FCU:

What is the routing number of SchoolsFirst FCU?

SchoolsFirst’s ABA Routing Number is 322282001

What is the customer service phone number for SchoolsFirst?

Members can reach customer service representatives toll-free at 1-800—462-8328. Customer service representatives are available Monday through Friday from 7 am to 7 pm; Saturday from 9 am to 3 pm.

What credit bureau does SchoolsFirst use?

SchoolsFirst uses VantageScore 3.0 for credit card applications

Is SchoolsFirst FDIC insured?

Like other credit unions, all savings and checking accounts are insured through the National Credit Union Administration (NCUA). Like the FDIC, all accounts are insured for up to $250,000.

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