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SchoolsFirst Federal Credit Union
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Branches closed Saturday, July 4 — mobile & online banking always open. Holiday hours →

Teacher leading a discussion in a modern classroom
SchoolsFirst Federal Credit Union

Your work moves schools. Your money should move too.

Membership means better rates, fewer fees, and service ranked #1 by J.D. Power — built by and for California's school community since 1934.

Become a Member Why membership pays →
$352/yravg. Member savings
$0monthly checking fees
0.50%off loan rates this month
1.5M+Members strong
Open an Account Apply for a Loan Make a Payment Check Rates Find a Branch or ATM
Summer 2026

Summer break shouldn't break the bank.

Two moves to own the season: smooth out your 10-month paycheck with Summer Saver, and skip up to 90 days of payments on a new auto loan.

Get Summer Ready →
Summer SaverSet aside all year, get paid in July & August — like a 12-month salary.
90 days, no paymentsBuy or refinance this summer and drive now, pay in the fall.
Featured products

Rates that do the talking.

See every rate →

Auto Loans

4.49%APR
as low as · includes 0.50% Member discount

New, used, or refinanced — with pre-approval that lets you negotiate like a cash buyer.

Apply Now

Share Certificates

4.50%APY
12-month term · $500 minimum

Lock in a guaranteed return with zero market risk. Federally insured by NCUA.

Open a Certificate

Home Equity (HELOC)

6.75%APR
intro rate · no application fee

Put your home's equity to work — renovations, tuition, or consolidating higher-rate debt.

Explore HELOC
Branches & ATMs

We're never far from your school.

Full-service branches across California, plus fee-free access to one of the nation's largest ATM networks.

70+branches statewide
30,000+fee-free CO-OP ATMs
5,600+shared branches nationwide
Money smarts

Sharper with money, safer online.

Financial WellnessOne-on-one financial guidance

5 ways educators can beat the summer pay gap

Smooth out your 10-month paycheck with a few simple moves before the school year wraps up.

Read the guide →
Financial WellnessFirst home with a sold sign

First home on a school salary: the honest playbook

Down-payment help, qualifying tips, and the programs built specifically for school employees.

Read the guide →

Spot the scam before it spots you.

  • We will never call and ask for your password or one-time code.
  • "Urgent" payment demands by gift card are always fraud.
  • Check the sender — schoolsfirstfcu.org is our only domain.
Visit the Security Center →
Already a Member?

Your membership does more than you think.

You own this place — put every perk to work.

Member loan discountsRate breaks on auto, personal, and school-employee loans.
Free workshopsFinancial workshops at your school site, on us.
Free counselingOne-on-one budget & credit help through GreenPath.
Bring your familyEveryone in your household can join — for life.
In the community

Money back into schools.

As a not-for-profit cooperative, what we earn goes back to Members — and to the schools they serve.

$1.2M+in scholarships & classroom grants last year
2,000+schools & districts served across California
12,000employee volunteer hours in 2025
90 yrsserving the school community since 1934
Do the math

Calculators for real decisions.

Auto payment calculatorWhat fits your monthly budget? Mortgage calculatorPayment, taxes & insurance included Savings goal calculatorGet to your number, on schedule Summer paycheck plannerStretch 10 months of pay across 12