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Date Reviewed: December 31, 2020
SchoolsFirst FCU Inspire Mastercard Credit Card
- Regular Purchase APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Mastercard
- 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
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 8.50% 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: 8.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 8.50% 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
Date Reviewed: December 31, 2020
SchoolsFirst FCU Rewards Mastercard® Credit Card
- Regular Purchase APR 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.50% 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 Needed Excellent , Good , Fair
- Processing Network Mastercard
- 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
- Regular Purchase APR: 11.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 11.50% 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
Date Reviewed: December 31, 2020
SchoolsFirst FCU School Employee Mastercard®
- Regular Purchase APR 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- 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
- Regular Purchase APR: 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.50% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 7.50% 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
Date Reviewed: December 31, 2020
SchoolsFirst FCU Share Secured Mastercard® Credit Card
- Regular Purchase APR 13.9%
- Balance Transfer APR 13.9%
- Cash Advance APR 13.9%
- Annual Fee None
- Credit Needed Fair , Poor
- Processing Network Mastercard
- 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
- 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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1About 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.
