Member-first pricing · one place

Every rate we offer, on one page.

Auto, home, credit cards, personal loans, home equity, savings, and products built just for school employees — all the current rates, in one printable sheet. No more hunting across seven pages.

Effective 6/28/2026 · subject to change Lowest rates include the 0.75% autopay discount APR = rate you pay · APY = yield you earn

Board leaders

This week's standouts

New Auto Loan

4.59%APR

as low as · up to 60 mo

Incl. 0.75% autopay discount

Promo · 6 mo

Standard HELOC

4.25%APR

intro · variable after

Then variable, 6.25% floor

Home

15-Yr Fixed Mortgage

5.625%RATE

5.89% APR · conforming

30-yr fixed from 6.125%

School staff only

Summer Saver

6.00%APY

save up to $2,000/mo

Smooth out the 10-month paycheck

What you'll pay

Auto loans

"As low as" APRs for excellent credit with automatic payments. New, used, and refinances from another lender all price the same way.

Refi from another lender & save

New, used & refinance

APR % · as low as

Term	New	Used	Refinance	Per $100 financed
36 months	4.59	4.99	4.59	$2.98 – $3.62
48 months	4.59	4.99	4.59	$2.28 – $2.94
60 months	4.59	4.99	4.59	$1.87 – $2.54
72 months	4.99	5.19	4.99	$1.61 – $2.28
84 months$25K min · model year ≤ 5 yrs	5.69	5.99	5.69	$1.45 – $2.10

Rates range up to 18.00% APR based on credit. Lowest rates include the 0.75% discount for automatic transfer from a SchoolsFirst account.

Mortgages

Home loans

Purchase and refinance programs. Rates shown "as low as"; APR reflects points ranging 1.000 to −1.000. Assumes owner-occupied, 20% down/equity, 740+ credit.

Purchase

Rate / APR %

Program	Term	Rate	APR
Conforming Fixed	30 yr	6.125	6.29
Conforming Fixed	15 yr	5.625	5.89
School Employee · No PMI	30 yr	6.250	6.40
HomeAccess® · First-Time	30 yr	6.125	6.58
FHA Fixed	30 yr	6.125	6.99
Jumbo Fixed	30 yr	6.250	6.39
ARM 5/5	Variable	5.625	6.29

Also: 5/1, 7/1, 10/1 ARMs & investment-property loans. High-cost-area limits available.

Refinance

Rate / APR %

Program	Term	Rate	APR
Conforming Fixed	30 yr	6.125	6.25
Conforming Fixed	15 yr	5.625	5.83
Conforming Fixed	10 yr	5.500	5.79
FHA Fixed	30 yr	6.125	6.95
Jumbo Fixed	30 yr	6.250	6.36
ARM 5/5	Variable	5.625	6.26
ARM 7/1	Variable	5.750	6.21

No-PMI ARM options available. Call a School Employee Mortgage specialist: 800.462.8328 ×8288.

Tap your equity

Home equity

Lines and fixed loans. Assumes 720+ credit; CLTV 70–80%; loan amounts $10K–$500K. Annual HELOC maintenance fee $50, waived with autopay.

HELOCs & fixed home equity loans

APR %

Product	Structure	APR range	Payment per $1K
Standard HELOC6-month promotional rate	Intro, then variable	4.250 – 7.750	—
Rate Advantage HELOC	5-yr fixed, then variable · interest-only 10 yrs	6.750 – 10.250	—
Fixed Home Equity	10-year	6.750 – 10.000	$11.48 – $13.22
Fixed Home Equity	15-year	7.000 – 10.250	$8.99 – $10.90
Fixed Home Equity	30-due-in-20	7.625 – 10.875	$7.08 – $9.43

Standard HELOC adjusts to a variable rate after the 6-month promo, with a 6.250% floor.

Cards & personal

Credit cards & personal loans

Every card: no annual fee, no balance-transfer fee, no cash-advance fee. Personal loan rates include the 0.75% autopay discount.

School Employee

Mastercard® · max $35,000

Purchase APR10.00–17.90%

Inspire

Mastercard® · max $35,000

Purchase APR12.00–17.90%

Rewards

Mastercard® · max $35,000

Purchase APR13.25–17.90%

Share-Secured

Build credit · max $5,000

Purchase APR13.90%

Personal Loan

Signature · up to $50,000 · 36 mo

APR7.99–18.00%

Overdraft Protection

Line of credit · up to $5,000

APR11.50–17.90%

Certificate-Secured

Borrow against your certificate

APRCert rate +2.50%

Payroll Savings Loan

Small-dollar · up to $500

APR17.90%

Now, what you'll earn. Member dividend rates — the return we pay you as an owner of the credit union.

What you'll earn

Savings, money market & checking

Variable-rate accounts — rates may change after opening.

Share Savings

$5 minimum · makes you a Member

All balances0.10% APY

Liquid Advantage Money Market

Tiered — earn more as you save more

$2,000 – $9,9990.75% APY

$10,000 – $99,9991.00% APY

$100,000 +1.50% APY

Investment Checking

Dividends on your everyday balance

$0 – $24,9990.05% APY

$25,000 +0.10% APY

Lock in your rate

Certificate & IRA rate board

APY by deposit amount. Higher balances and longer terms earn the top of the board. $500 minimum to open.

Share Certificates

APY %

Term	$500	$20K	$50K	$100K	$250K
3–5 Mo	3.35	3.40	3.45	3.50	3.55
6–11 Mo	3.65	3.70	3.75	3.80	3.85
12–17 Mo	3.75	3.80	3.85	3.90	3.95
18–35 Mo	3.80	3.85	3.90	3.95	4.00
36–59 Mo	3.80	3.85	3.90	3.95	4.00
60 Mo	3.90	3.95	4.00	4.05	4.10

$100K & $250K are Jumbo tiers. 12-month shown is current; other terms representative.

IRA Certificates

APY %

Term	$500	$20K	$50K	$100K	$250K
3–5 Mo	3.45	3.50	3.55	3.60	3.65
6–11 Mo	3.75	3.80	3.85	3.90	3.95
12–17 Mo	3.85	3.90	3.95	4.00	4.05
18–59 Mo	3.90	3.95	4.00	4.05	4.10
60 Mo	4.00	4.05	4.10	4.15	4.20

Traditional & Roth · same rate board · 60-month shown is current.

My Club Account

No minimum · holiday saver

Dividend1.00% APY

College Saver

12-month · $200 min

Dividend3.85% APY

Coverdell ESA

12-month · $100 min

Dividend4.00% APY

Accumulation IRA

Variable · $10 min

Dividend1.00% APY

Members only · school staff

Just for school employees

Products that exist because serving the school community is all we do — from the summer pay gap to the classroom itself.

Two 0% APR loans for your classroom.

Classroom Supplies (up to $1,000) and Uniform (up to $500) loans — 0% APR over 10 months, because what you spend on students shouldn't cost you interest.

Summer Saver

Bridge the 10-month paycheck · max $2,000/mo

Dividend6.00% APY

Paycheck Planner

Payroll direct deposit · one per district

Dividend6.00% APY

Deferred Compensation

$50 payroll minimum

12-month4.15% APY

36-month4.20% APY

60-month4.30% APY

Classroom Supplies Loan

Up to $1,000 · 10 months

APR0.00%

Uniform Loan

Up to $500 · 10 months

APR0.00%

Computer Loan

$2,500 fixed · 24 months

APR5.00%

Special Curriculum Loan

Up to $15,000 · 60 months

APR5.00%

Higher Education Loan

Up to $50,000 · 120 months

APR8.75%

STRS / PERS Retirement Loan

Up to $25,000 · 36–60 months

APR5.40–7.40%

Disclosures

Rates are effective 6/28/2026 and subject to change without notice. All loans subject to credit approval.
APR = Annual Percentage Rate. Advertised loan APRs are the lowest available and assume excellent credit and qualifying terms; consumer-loan rates range up to 18.00% APR based on creditworthiness. Your rate may be higher.
The 0.75% discount applies to consumer loans paid by automatic transfer from a SchoolsFirst FCU account and is reflected in the lowest rates shown.
Mortgage and home-equity APRs assume owner-occupied properties, 20% down or equity, and a 720–740+ credit score; points range 1.000 to −1.000. Rate, points, and terms vary by program and loan amount.
Home equity: CLTV 70–80%, loan amounts $10,000–$500,000. $50 annual HELOC maintenance fee, waived with automatic transfer.
APY = Annual Percentage Yield. Fees could reduce earnings on deposit accounts. A penalty may apply for early certificate withdrawal. Certificate/IRA boards show current rates for the noted terms; other terms are representative.
All checking and savings accounts are variable-rate; rates may change after opening. Federally insured by NCUA. Equal Housing Opportunity.