Credit union · NCUA insured
SchoolsFirst FCU Savings Rates
Top CarrotSchoolsFirst FCU’s best savings rate is 1.00% APY on $10,000, with its Liquid Advantage Money Market. Rates checked October 16, 2026.
How SchoolsFirst FCU’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where SchoolsFirst FCU has the most branches. $10,000, best rate first.
This credit union’s best
SchoolsFirst FCU
1.00%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $100
Liquid Advantage Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
SchoolsFirst FCU savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SchoolsFirst FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Summer Saver
6.00%APY
Must be a current school employee to qualify; retired school employees are not eligible. Limit one share per school employee Member. Annual maximum share balance is $25,000, including one-time catch-up deposit, dividend and credit card rewards deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Variable rate account, subject to change after account opening. Monthly deposit minimum $1, maximum $2,000 per month. Make one catch-up deposit per term up to $3,000.Up to $25,000 | 6.00% | $600 | Variable rate account, subject to change after account opening. Monthly deposit minimum $1, maximum $2,000 per month. Make one catch-up deposit per term up to $3,000. |
Liquid Advantage Money Market
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. | 0.75% | — | Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. |
| $10,000 – $100,000Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. | 1.00% | $100 | Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. |
| $100,000 and upDividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. | 1.50% | — | Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. |
Sources (2)
All captured Oct 6, 2026
Share Savings
0.10%APY
Must maintain Membership with a $5 minimum balance. ChexSystems verification required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upVariable rate account; rate subject to change after account opening.$5 and up | 0.10% | $10 | Variable rate account; rate subject to change after account opening. |
Sources (3)
- schoolsfirstfcu.org/products/checking-savings/savings
- schoolsfirstfcu.org/products/c…gs/savings/share-savings
- schoolsfirstfcu.org/rates/dividend
All captured Oct 16, 2026
Special-purpose accounts
Paycheck Planner
6.00%APY
Available only to public school employees in participating districts. Limit one per school district payroll. 10-mo. employees have 16.7% transferred into Paycheck Planner; 11-mo. employees have 8.3% transferred. Initial term may vary depending on date opened, renewing automatically into a 12-month term upon maturity. Partial withdrawals are not permitted and will incur a penalty equal to 90 days loss of dividends and account closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account, subject to change after account opening. Deposit a set percentage of payroll direct deposit only. Make one additional deposit per term, up to $3,000 in person, by phone or by chat.Any balance | 6.00% | $600 | Variable rate account, subject to change after account opening. Deposit a set percentage of payroll direct deposit only. Make one additional deposit per term, up to $3,000 in person, by phone or by chat. |
Sources (2)
- schoolsfirstfcu.org/products/j…school-employees/savings
- schoolsfirstfcu.org/rates/school-employee-products
All captured Oct 16, 2026
12-Month Coverdell Education Savings Account
4.20%APY · 1 term
The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Penalty for early withdrawal. Maximum annual contributions and contribution periods are determined by IRS regulations.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsThe minimum opening deposit listed is also the minimum balance required to earn the stated APY. Penalty for early withdrawal | 4.20% | $420 |
Sources (1)
- schoolsfirstfcu.org/rates/dividend · captured Oct 16, 2026
12-Month College Saver
4.05%APY · 1 term
The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Available only on Varsity and Junior Varsity Accounts. Limit one per minor. Early withdrawal/account closure subject to penalty. Fees may reduce earnings on account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsThe minimum opening deposit listed is also the minimum balance required to earn the stated APY. Early withdrawal/account closure subject to penalty | 4.05% | $405 |
Sources (2)
All captured Oct 16, 2026
Accumulation IRA
1.00%APY
Maximum annual contributions and contribution periods are determined by IRS regulations. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; rate subject to change after the account is opened.Any balance | 1.00% | $100 | Variable rate account; rate subject to change after the account is opened. |
Sources (1)
- schoolsfirstfcu.org/rates/dividend · captured Oct 16, 2026
My Club Account
1.00%APY · 1 term
Select a 6 to 18 months initial maturity. Account matures on same day of same month each year thereafter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–18 monthsVariable rate account, subject to change after the account is opened | 1.00% | $50 |
Sources (3)
- schoolsfirstfcu.org/products/checking-savings/savings
- schoolsfirstfcu.org/products/c…s/my-club-custom-savings
- schoolsfirstfcu.org/rates/dividend
All captured Oct 16, 2026
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.