Credit union · NCUA insured
SchoolsFirst FCU Credit Card Rates
Top CarrotSchoolsFirst FCU credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How SchoolsFirst FCU’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where SchoolsFirst FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SchoolsFirst FCU
13.50%APR
- Up to
- 17.90% APR
Rewards Mastercard
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
SchoolsFirst FCU credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SchoolsFirst FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards Mastercard
Variable APR based on creditworthiness. Credit limit up to $35,000. Minimum monthly payment is 2% of the statement balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50%–17.90% | None | Variable APR based on creditworthiness. Minimum monthly payment is 2% of statement balance or $25, whichever is greater. |
School Employee Mastercard
Exclusively for school employees. Variable APR based on credit rating. Credit limit up to $35,000. Minimum monthly payment is 2% of statement balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.25%–17.90% | None | Must be a school employee. Rate reduced by 0.50% APR after 12 consecutive on-time payments, commencing with first billing cycle (not available on cards approved at lowest APR). |
SchoolsFirst FCU Inspire Mastercard
Features a range of variable interest rates based on creditworthiness. Credit limit up to $35,000. Minimum monthly payment is 2% of the statement balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% introductory APR for the first six billing cycles from date of account opening. Does not apply to cash advances. |
| Ongoing | 12.25%–17.90% | None | After introductory period, variable APR based on creditworthiness, varying with market based on Prime Rate. |
| Ongoing | 17.00%–17.90% | None | APR for cash advances will vary with the market based on the Prime Rate. Interest begins accruing from posting date. |
Share-Secured Mastercard
Secured by funds deposited into a dividend-earning savings account equal to the credit limit requested. Credit limit up to $5,000. Minimum monthly payment is 2% of statement balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 13.90% | None | APR is currently fixed for a minimum of one year after account opening, and subject to change thereafter. |
No ongoing APR is published for this card, only the rate above.
Who can join SchoolsFirst FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Children of Members related by birth, marriage, or adoption are eligible for youth membership.
Membership information collected October 5, 2026.