What are the current interest rates at SchoolsFirst Federal Credit Union?

Current rates for SchoolsFirst Federal Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 3.95%, 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 4.25%, MMA: 1.00%

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SchoolsFirst Federal Credit Union

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SchoolsFirst Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SchoolsFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

SchoolsFirst Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 60 Month Deferred Compensation CD, 4.25% APY on savings, 1.00% APY on money market accounts, 0.10% APY on checking, 5.88% on its Adjustable-Rate Mortgages (ARM) - 5/1 ARM, personal loans from 7.40% APR, and credit cards from 10.25% APR, according to rates verified by MonitorBankRates. Other SchoolsFirst Federal Credit Union CD rates include 19-Month Promotional IRA CD at 4.40%, 36 Month Deferred Compensation CD at 4.40%, and 60 Month IRA CD at 4.40%. Other SchoolsFirst Federal Credit Union mortgage rates include Fixed-Rate Mortgages: Conforming - 10 Year at 6.38%, Fixed-Rate Mortgages: Conforming - 15 Year at 6.50%, and Fixed-Rate Mortgage: Conforming - 15 Year at 6.50%. MonitorBankRates evaluates the financial stability of SchoolsFirst Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.56%. Rates last updated and verified on 10/13/2026.

SchoolsFirst Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SchoolsFirst Federal Credit Union? Share your experience about SchoolsFirst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SchoolsFirst Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.56%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

SchoolsFirst Federal Credit Union
Tustin RH2

15332 Newport Ave
Tustin, CA 92780

https://www.schoolsfirstfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SchoolsFirst Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Deferred Compensation Certificate	4.40%	4.50%	60 months
Min Deposit $50 Details Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19-Month Promotional IRA Share Certificate	4.31%	4.40%	19 months
Min Balance $500 Details Promotional IRA Share Certificates; Promotional rate good for initial term only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Sep 29, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 Month Deferred Compensation Certificate	4.31%	4.40%	36 months
Min Deposit $50 Details Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.31%	4.40%	60 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 13, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Traditional IRA Certificate	4.31%	4.40%	60 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 Month Deferred Compensation Certificate	4.26%	4.35%	12 months
Min Deposit $50 Details Minimum monthly deposit $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.26%	4.35%	60 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 13, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Traditional IRA Certificate	4.26%	4.35%	60 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.21%	4.30%	18-23 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Traditional IRA Certificate	4.21%	4.30%	18-23 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19-Month Promotional Share Certificate	4.21%	4.30%	19 months
Min Balance $500 Details Promotional rate good for initial term only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 5, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.21%	4.30%	24-35 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Traditional IRA Certificate	4.21%	4.30%	24-35 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.21%	4.30%	36-47 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Traditional IRA Certificate	4.21%	4.30%	36-47 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.21%	4.30%	48-59 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Traditional IRA Certificate	4.21%	4.30%	48-59 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.21%	4.30%	60 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Sep 29, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificate	4.21%	4.30%	60 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Traditional IRA Certificate	4.21%	4.30%	60 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.16%	4.25%	12-17 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Traditional IRA Certificate	4.16%	4.25%	12-17 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.16%	4.25%	18-23 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Traditional IRA Certificate	4.16%	4.25%	18-23 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.16%	4.25%	24-35 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Traditional IRA Certificate	4.16%	4.25%	24-35 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.16%	4.25%	36-47 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Traditional IRA Certificate	4.16%	4.25%	36-47 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.16%	4.25%	48-59 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Traditional IRA Certificate	4.16%	4.25%	48-59 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.16%	4.25%	60 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Sep 29, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificate	4.16%	4.25%	60 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Traditional IRA Certificate	4.16%	4.25%	60 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.11%	4.20%	12-17 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Traditional IRA Certificate	4.11%	4.20%	12-17 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.11%	4.20%	18-23 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificate	4.11%	4.20%	18-23 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Traditional IRA Certificate	4.11%	4.20%	18-23 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.11%	4.20%	24-35 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificate	4.11%	4.20%	24-35 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Traditional IRA Certificate	4.11%	4.20%	24-35 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.11%	4.20%	36-47 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificate	4.11%	4.20%	36-47 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Traditional IRA Certificate	4.11%	4.20%	36-47 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.11%	4.20%	48-59 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificate	4.11%	4.20%	48-59 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Traditional IRA Certificate	4.11%	4.20%	48-59 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6-Month Promotional IRA Share Certificate	4.11%	4.20%	6 months
Min Balance $500 Details Promotional IRA Share Certificates; Promotional rate good for initial term only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.11%	4.20%	60 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificate	4.11%	4.20%	60 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Traditional IRA Certificate	4.11%	4.20%	60 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.07%	4.15%	12-17 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificate	4.07%	4.15%	12-17 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Traditional IRA Certificate	4.07%	4.15%	12-17 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.07%	4.15%	18-23 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificate	4.07%	4.15%	18-23 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Traditional IRA Certificate	4.07%	4.15%	18-23 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.07%	4.15%	24-35 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificate	4.07%	4.15%	24-35 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Traditional IRA Certificate	4.07%	4.15%	24-35 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.07%	4.15%	36-47 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificate	4.07%	4.15%	36-47 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Traditional IRA Certificate	4.07%	4.15%	36-47 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.07%	4.15%	48-59 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificate	4.07%	4.15%	48-59 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Traditional IRA Certificate	4.07%	4.15%	48-59 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	4.07%	4.15%	6-11 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Traditional IRA Certificate	4.07%	4.15%	6-11 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificate	4.07%	4.15%	60 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.02%	4.10%	12-17 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificate	4.02%	4.10%	12-17 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 13, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Traditional IRA Certificate	4.02%	4.10%	12-17 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.02%	4.10%	18-23 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificate	4.02%	4.10%	18-23 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Traditional IRA Certificate	4.02%	4.10%	18-23 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.02%	4.10%	24-35 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificate	4.02%	4.10%	24-35 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Traditional IRA Certificate	4.02%	4.10%	24-35 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.02%	4.10%	36-47 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificate	4.02%	4.10%	36-47 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Traditional IRA Certificate	4.02%	4.10%	36-47 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.02%	4.10%	48-59 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificate	4.02%	4.10%	48-59 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Traditional IRA Certificate	4.02%	4.10%	48-59 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	4.02%	4.10%	6-11 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 13, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Traditional IRA Certificate	4.02%	4.10%	6-11 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6-Month Add-On Promotional Share Certificate	4.02%	4.10%	6 months
Min Balance $500 Details Promotional rate good for initial term only; Additional deposits up to the initial opening deposit amount can be made at any time without penalty. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificate	4.02%	4.10%	60 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	3.97%	4.05%	12-17 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificate	3.97%	4.05%	12-17 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Traditional IRA Certificate	3.97%	4.05%	12-17 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12-Month College Saver	3.97%	4.05%	12 months
Min Deposit $200 Min Balance $200 Details The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificate	3.97%	4.05%	18-23 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificate	3.97%	4.05%	24-35 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificate	3.97%	4.05%	36-47 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificate	3.97%	4.05%	48-59 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.97%	4.05%	6-11 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificate	3.97%	4.05%	6-11 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 13, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Traditional IRA Certificate	3.97%	4.05%	6-11 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificate	3.92%	4.00%	12-17 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificate	3.92%	4.00%	18-23 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificate	3.92%	4.00%	24-35 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificate	3.92%	4.00%	36-47 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificate	3.92%	4.00%	48-59 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.92%	4.00%	6-11 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificate	3.92%	4.00%	6-11 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 13, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Traditional IRA Certificate	3.92%	4.00%	6-11 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificate	3.87%	3.95%	12-17 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Sep 29, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.87%	3.95%	6-11 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Sep 29, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificate	3.87%	3.95%	6-11 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Sep 29, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Traditional IRA Certificate	3.87%	3.95%	6-11 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificate	3.83%	3.90%	6-11 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70% Sep 29, 20263.90%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.78%	3.85%	3-5 Months
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 13, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Traditional IRA Certificate	3.78%	3.85%	3-5 Months
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificate	3.78%	3.85%	6-11 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Sep 29, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.73%	3.80%	3-5 Months
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 13, 20263.80%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Traditional IRA Certificate	3.73%	3.80%	3-5 Months
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.68%	3.75%	3-5 Months
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Sep 29, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificate	3.68%	3.75%	3-5 Months
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 13, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Traditional IRA Certificate	3.68%	3.75%	3-5 Months
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.63%	3.70%	3-5 Months
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Sep 29, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificate	3.63%	3.70%	3-5 Months
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 13, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Traditional IRA Certificate	3.63%	3.70%	3-5 Months
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.58%	3.65%	3-5 Months
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Sep 29, 20263.65%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificate	3.58%	3.65%	3-5 Months
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Sep 29, 20263.65%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Traditional IRA Certificate	3.58%	3.65%	3-5 Months
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificate	3.54%	3.60%	3-5 Months
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Sep 29, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificate	3.49%	3.55%	3-5 Months
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35% Sep 29, 20263.55%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.39%	3.45%	30 days
Min Balance $250,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 13, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Traditional IRA Certificate	3.39%	3.45%	30 days
Min Balance $250,000 Details Minimum Balance: $250,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.34%	3.40%	30 days
Min Balance $100,000 Details Traditional and Roth IRA; Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Oct 13, 20263.40%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Traditional IRA Certificate	3.34%	3.40%	30 days
Min Balance $100,000 Details Minimum Balance: $100,000 (Jumbo); IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.30%	3.35%	30 days
Min Balance $50,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15% Sep 29, 20263.35%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificate	3.30%	3.35%	30 days
Min Balance $250,000 Details Balance tier: $250,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15% Oct 13, 20263.35%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Traditional IRA Certificate	3.30%	3.35%	30 days
Min Balance $50,000 Details Minimum Balance: $50,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.25%	3.30%	30 days
Min Balance $20,000 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10% Sep 29, 20263.30%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificate	3.25%	3.30%	30 days
Min Balance $100,000 Details Balance tier: $100,000 Minimum Balance (Jumbo) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10% Oct 13, 20263.30%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Traditional IRA Certificate	3.25%	3.30%	30 days
Min Balance $20,000 Details Minimum Balance: $20,000 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.20%	3.25%	30 days
Min Balance $500 Details Traditional and Roth IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Sep 29, 20263.25%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificate	3.20%	3.25%	30 days
Min Balance $50,000 Details Balance tier: $50,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Sep 29, 20263.25%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Traditional IRA Certificate	3.20%	3.25%	30 days
Min Balance $500 Details Minimum Balance: $500 Minimum Balance; IRA Certificates(Traditional and Roth IRA) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificate	3.15%	3.20%	30 days
Min Balance $20,000 Details Balance tier: $20,000 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Sep 29, 20263.20%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificate	3.10%	3.15%	30 days
Min Balance $500 Details Balance tier: $500 Minimum Balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.15% ▲ 0.20 pts · high 3.15% / low 2.95% Sep 29, 20263.15%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Savings Rates

Product	Rate	APY
Summer Saver	5.83%	6.00%
Details Monthly deposit limit: $1 minimum monthly deposit. Maximum $2,000 per month. Make one catch-up deposit per term, up to $3,000 in person, by phone or by chat. Limit one per Membership. Variable rate account, subject to change after account opening. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Savings	0.10%	0.10%
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Money Market Rates

Product	Rate	APY
Liquid Advantage Money Market	0.99%	1.00%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Liquid Advantage Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99; Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate converts to Investment Checking dividend rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Checking Rates

Product	Rate	APY
Investment Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $100,000.00+; Minimum opening deposit $25; dividend rate and APY apply to entire balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $24,999.99; Minimum opening deposit $25; dividend rate and APY apply to entire balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed-Rate Mortgages: Conforming - 10 Year	6.375%	0.000	6.45%	10 Year
Details Loan amount $50,000 - $832,750; Alternate options: 6.125% rate / 6.42% APR / 1.000 points; 6.625% rate / 6.70% APR / -1.000 points Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.07% → 6.45% ▲ 0.38 pts · high 6.45% / low 6.07% Sep 29, 20266.45%▲ from 6.32% Sep 25, 20266.32%▲ from 6.20% Sep 17, 20266.20%▲ from 6.07% Sep 14, 20266.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 15 Year	6.50%	0.000	6.55%	15 Year
Details Loan amount $50,000 - $832,750; Alternate options: 6.250% rate / 6.46% APR / 1.000 points; 6.750% rate / 6.80% APR / -1.000 points Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 6.23% → 6.55% ▲ 0.32 pts · high 6.61% / low 6.23% Oct 9, 20266.55%▼ from 6.61% Oct 5, 20266.61%▲ from 6.55% Sep 29, 20266.55%▲ from 6.43% Sep 25, 20266.43%▲ from 6.36% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgage: Conforming - 15 Year	6.50%	0.000	6.61%	15 Year
Details Conforming loan; par option (0.000 points) shown; other point options 1.000 and -1.000 available; APR includes estimate of 15 days prepaid interest Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 7/1 ARM	6.125%	0.000	6.69%
Details Payment period: 1st 84 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Refinance only Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.51% → 6.69% ▲ 0.18 pts · high 6.69% / low 6.51% Oct 13, 20266.69%▲ from 6.51% Sep 17, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 10/1 ARM	6.375%	0.000	6.70%
Details Payment period: 1st 120 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.520%; Refinance only Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.53% → 6.70% ▲ 0.17 pts · high 6.70% / low 6.53% Oct 13, 20266.70%▲ from 6.53% Sep 17, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 5/1 ARM	5.875%	0.000	6.73%
Details Payment period: 1st 60 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Refinance only Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.53% → 6.73% ▲ 0.20 pts · high 6.73% / low 6.53% Oct 13, 20266.73%▲ from 6.53% Sep 17, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 10/1 ARM	6.375%	0.000	6.73%
Details Payments 1-120; Margin 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $832,750 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 7/1 ARM	6.125%	0.000	6.73%
Details Payments 1-84; Margin 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $832,750 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 5/1 ARM	5.875%	0.000	6.76%
Details Payments 1-60; Margin 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $832,750 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 7/1 ARM	6.25%	0.000	6.76%
Details Rate fixed for first 7 years, then adjusts periodically; Margin 2.750%; Caps 2% initial, 2% periodic, 5% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.58% → 6.76% ▲ 0.18 pts · high 6.79% / low 6.58% Oct 13, 20266.76%▼ from 6.79% Oct 2, 20266.79%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 10/1 ARM	6.50%	0.000	6.78%
Details Rate fixed for first 10 years, then adjusts periodically; Margin 2.750%; Caps 2% initial, 2% periodic, 6% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.61% → 6.78% ▲ 0.17 pts · high 6.82% / low 6.61% Oct 13, 20266.78%▼ from 6.82% Oct 2, 20266.82%▲ from 6.61% Sep 17, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/1 ARM	6.00%	0.000	6.78%
Details Rate fixed for first 5 years, then adjusts periodically; Margin 2.750%; Caps 2% initial, 2% periodic, 5% lifetime; CMT Index 4.520%; Loan amounts $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.58% → 6.78% ▲ 0.20 pts · high 6.81% / low 6.58% Oct 13, 20266.78%▼ from 6.81% Oct 2, 20266.81%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 7/1 ARM	6.25%	0.000	6.79%
Details Caps: 2% initial, 2% periodic, 5% lifetime; Margin: 2.750%; CMT Index: 4.520%; Initial fixed period: 84 payments Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.58% → 6.79% ▲ 0.21 pts · high 6.79% / low 6.58% Oct 2, 20266.79%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/1 ARM	6.00%	0.000	6.81%
Details Caps: 2% initial, 2% periodic, 5% lifetime; Margin: 2.750%; CMT Index: 4.520%; Initial fixed period: 60 payments Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.58% → 6.81% ▲ 0.23 pts · high 6.81% / low 6.58% Oct 2, 20266.81%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 15 Year	6.75%	0.000	6.82%	15 Year
Details Loan Amounts: See Below; Par option shown. Other options: 6.500% rate / 6.73% APR at 1.000 points; 7.000% rate / 7.07% APR at -1.000 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 10/1 ARM	6.50%	0.000	6.82%
Details Caps: 2% initial, 2% periodic, 6% lifetime; Margin: 2.750%; CMT Index: 4.520%; Initial fixed period: 120 payments Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.61% → 6.82% ▲ 0.21 pts · high 6.82% / low 6.61% Oct 2, 20266.82%▲ from 6.61% Sep 17, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 5/5 ARM	6.00%	0.000	6.85%
Details Rate adjusts every 5 years; Payment period: 1st 60 payments; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.060%; Refinance only Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.58% → 6.85% ▲ 0.27 pts · high 6.85% / low 6.58% Oct 13, 20266.85%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 5/5 ARM	6.00%	0.000	6.89%
Details Rate adjusts every 5 years; Payments 1-60; Margin 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index 5.060%; Loan amounts $50,000 - $832,750 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo 15 Year Fixed-Rate Mortgage	6.875%	0.000	6.90%	15 years
Details Loan Amounts: See Below; Loan amounts from $832,751 - $3,000,000; Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 90% for loans up to $1,500,000 and 80% for loans up to $3,000,000; PMI required for down payments less than 20% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/5 ARM	6.125%	0.000	6.90%
Details Rate adjusts every 5 years; Margin 2.375%; Caps 2% initial, 2% periodic, 6% lifetime; CMT Index 5.060%; Loan amounts $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.63% → 6.90% ▲ 0.27 pts · high 6.90% / low 6.63% Oct 13, 20266.90%▲ from 6.86% Oct 2, 20266.86%▲ from 6.63% Sep 17, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/5 ARM	6.125%	0.000	6.93%
Details Rate adjusts every 5 years; Caps: 2% initial, 2% periodic, 6% lifetime; Margin: 2.375%; CMT Index: 5.060%; Initial fixed period: 60 payments Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.63% → 6.93% ▲ 0.30 pts · high 6.93% / low 6.63% Oct 13, 20266.93%▲ from 6.86% Oct 2, 20266.86%▲ from 6.63% Sep 17, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 15 Year	6.875%	0.000	6.96%	15 Year
Details Par option of point stack (1.000 / 0.000 / -0.500 points paired with 6.625% / 6.875% / 7.000%); APR includes 15 days of estimated prepaid interest; PMI required for down payment less than 20% Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.78% → 6.96% ▲ 0.18 pts · high 6.96% / low 6.78% Oct 2, 20266.96%▲ from 6.78% Sep 17, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 15 Year	7.00%	0.000	7.03%	15 Year
Details Refinance only; par option (0.000 points); Minimum Loan Amount: $832,751; Eligible properties: primary residence single-family homes and condominiums; manufactured homes Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 6.78% → 7.03% ▲ 0.25 pts · high 7.03% / low 6.78% Oct 13, 20267.03%▲ from 6.96% Oct 2, 20266.96%▲ from 6.78% Sep 17, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	7.00%	0.000	7.05%	15 Year
Details Investment properties; par option shown; alternate options: 6.875% / 7.01% APR at 0.500 points; 7.125% / 7.18% APR at -0.500 points Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.05% / low 6.80% Sep 29, 20267.05%▲ from 6.93% Sep 25, 20266.93%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgage - 15 Year	6.50%	0.000	7.19%	15 years
Details Refinance only; Par option (0.000 points); Loan amounts $50,000 - $1,249,125 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - FHA 15 Year Fixed	6.50%	0.000	7.26%	15 Year
Details Par option (0.000 points); other options: 6.250% rate / 7.17% APR at 1.000 points, 6.750% rate / 7.51% APR at -1.000 points; loan amounts $50,000 - $1,249,125; minimum down payment 3.5%; APR includes mortgage insurance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo 30 Year Fixed-Rate Mortgage	7.375%	0.000	7.39%	30 years
Details Loan Amounts: See Below; Loan amounts from $832,751 - $3,000,000; Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 90% for loans up to $1,500,000 and 80% for loans up to $3,000,000; PMI required for down payments less than 20% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 30 Year	7.375%	0.000	7.41%	30 Year
Details Loan amount $50,000 - $832,750; Alternate options: 7.125% rate / 7.26% APR / 1.000 points; 7.625% rate / 7.66% APR / -1.000 points Last Updated 10/13/2026 Rate History 7 changes since Sep 14, 2026 · 6.94% → 7.41% ▲ 0.47 pts · high 7.45% / low 6.94% Oct 9, 20267.41%▼ from 7.45% Oct 5, 20267.45%▲ from 7.41% Oct 2, 20267.41%▲ from 7.28% Sep 29, 20267.28%▲ from 7.16% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 30 Year	7.375%	0.000	7.42%	30 Year
Details Loan Amounts: See Below; Par option shown. Other options: 7.125% rate / 7.27% APR at 1.000 points; 7.625% rate / 7.67% APR at -1.000 points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.42% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgage: Conforming - 30 Year	7.375%	0.000	7.45%	30 Year
Details Conforming loan; par option (0.000 points) shown; other point options 1.000 and -1.000 available; APR includes estimate of 15 days prepaid interest Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 30 Year	7.50%	0.000	7.52%	30 Year
Details Refinance only; par option (0.000 points); Minimum Loan Amount: $832,751; Eligible properties: primary residence single-family homes and condominiums; manufactured homes Last Updated 10/13/2026 Rate History 2 changes since Sep 17, 2026 · 7.14% → 7.52% ▲ 0.38 pts · high 7.55% / low 7.14% Oct 13, 20267.52%▼ from 7.55% Oct 2, 20267.55%▲ from 7.14% Sep 17, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 30 Year	7.50%	0.000	7.55%	30 Year
Details Par option of point stack (1.000 / 0.000 / -0.500 points paired with 7.250% / 7.500% / 7.625%); APR includes 15 days of estimated prepaid interest; PMI required for down payment less than 20% Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 7.14% → 7.55% ▲ 0.41 pts · high 7.55% / low 7.14% Oct 2, 20267.55%▲ from 7.14% Sep 17, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming, High-Cost Area	7.50%	0.000	7.55%	30 Year
Details Par option (0.000 points) of 7.250% / 7.500% / 7.750% rate stack; Eligible properties are primary residence single-family homes and condominiums, manufactured homes not eligible; Minimum down payment 3% on loan amounts up to $1,000,000 and 10% on loan amounts up to $1,500,000; Condominium subject to additional rate adjustment; Must be an eligible school employee Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 7.37% → 7.55% ▲ 0.18 pts · high 7.55% / low 7.37% Oct 9, 20267.55%▲ from 7.37% Sep 17, 20267.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming - 30 Year	7.50%	0.000	7.56%	30 Year
Details Par option (0.000 points); loan amounts $50,000 - $832,750; minimum down payment 3%; eligible properties are primary residence single-family homes and condominiums; must be an eligible school employee; APR includes 15 days of estimated prepaid interest Last Updated 10/13/2026 Rate History 3 changes since Sep 21, 2026 · 7.19% → 7.56% ▲ 0.37 pts · high 7.56% / low 7.19% Oct 2, 20267.56%▲ from 7.44% Sep 29, 20267.44%▲ from 7.31% Sep 25, 20267.31%▲ from 7.19% Sep 21, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	8.00%	0.000	8.04%	30/15-Year Balloon
Details Investment properties; balloon after 15 years; par option shown; alternate options: 7.875% / 7.98% APR at 0.500 points; 8.125% / 8.16% APR at -0.500 points Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 7.66% → 8.04% ▲ 0.38 pts · high 8.04% / low 7.66% Oct 2, 20268.04%▲ from 7.91% Sep 29, 20267.91%▲ from 7.79% Sep 25, 20267.79%▲ from 7.66% Sep 18, 20267.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgage - 30 Year	7.375%	0.000	8.11%	30 years
Details Refinance only; Par option (0.000 points); Loan amounts $50,000 - $1,249,125 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - FHA 30 Year Fixed	7.375%	0.000	8.16%	30 Year
Details Par option (0.000 points); other options: 7.125% rate / 8.01% APR at 1.000 points, 7.625% rate / 8.41% APR at -1.000 points; loan amounts $50,000 - $1,249,125; minimum down payment 3.5%; APR includes mortgage insurance Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
10-Year Fixed Home Equity Loan	6.875%	-	6.875%	10 years
Details Published APR range: 6.875% - 10.125%; Published rate range: 6.875% - 10.125%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.88% ▲ 0.13 pts · high 6.88% / low 6.75% Sep 17, 20266.88%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Home Equity Rate Advantage HELOC	-	-	7.00%
Details Published APR range: 7.000% - 10.500%. Fixed rate for five years, variable thereafter; Margin: -0.500% - 3.000%; Maximum Loan: $500,000.00; Maximum CLTV: 80.00%; Interest only for first 10 years; Owner-occupied primary residences $10,000 to $500,000; Non-owner occupied $10,000 to $150,000; Annual maintenance fee $50 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Rate Advantage HELOC	-	-	7.00%
Details Published APR range: 7.000% - 10.500%. Fixed rate for five years, variable thereafter; Margin: -0.500% - 3.000%; Maximum Loan: $500,000.00; Maximum CLTV: 80.00%; Estimated Payment Per $1,000 Borrowed: Interest only for first 10 years Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
15-Year Fixed Home Equity Loan	7.125%	-	7.125%	15 years
Details Published APR range: 7.125% - 10.375%; Published rate range: 7.125% - 10.375%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.13% ▲ 0.13 pts · high 7.13% / low 7.00% Sep 17, 20267.13%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Due in 20 Fixed Home Equity Loan	7.75%	-	7.75%	Due in 20 years
Details Published APR range: 7.750% - 11.000%; Published rate range: 7.750% - 11.000%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. Range of Rates - New; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.99%	72 months
Details Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Range of Rates - Used; Original loan term must be 60 months or less in order to be eligible for summers off Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.19%	72 months
Details Published APR range: 5.19% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	5.69%	84 months
Details Published APR range: 5.69% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.99%	84 months
Details Published APR range: 5.99% - 18.00%. Range of rates; rate based on creditworthiness Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Higher Education Loan (For Master's and Doctorate Programs)	-	-	9.00%	120 months
Details Variable Rate; Maximum Loan Amount: Up to $50,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Credit Card Rates

Product	Rate	APR
School Employee Mastercard	-	10.25%
Details Published APR range: 10.25% - 17.90%. Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 10.25% ▲ 0.25 pts · high 10.25% / low 10.00% Sep 21, 202610.25%▲ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Inspire Mastercard	-	12.25%
Details Published APR range: 12.25% - 17.90%. Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 12.25% ▲ 0.25 pts · high 12.25% / low 12.00% Sep 21, 202612.25%▲ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Rewards Mastercard	-	13.50%
Details Published APR range: 13.50% - 17.90%. Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25% Sep 21, 202613.50%▲ from 13.25% Sep 14, 202613.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Personal Loan Rates

Product	APR	Term
STRS/PERS Retirement Credit Personal Loan	7.40%	60 months
Details Maximum loan amount up to $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Personal Loan	7.99%
Details Published APR range: 7.99% - 18.00%. Maximum loan amount: $50,000.00; Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer Loan	-	-	5.00%	24 months
Details Maximum Loan Amount: $2,500.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
First-Time Home Buyer: Conforming - 30 Year Loan	7.375%	0.000	7.75%	30 Year
Details Conforming; purchase only; par option of stacked point choices (buy-up 7.125% / 7.60% APR at 1.000 points; buy-down 7.625% / 8.00% APR at -1.000 points) Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.24% → 7.75% ▲ 0.51 pts · high 7.75% / low 7.24% Oct 5, 20267.75%▲ from 7.63% Sep 29, 20267.63%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
First-Time Home Buyer: Conforming, High-Cost Area - 30 Year Loan	7.375%	0.000	7.74%	30 Year
Details Conforming, High-Cost Area; Points option stack 1.000 / 0.000 / -1.000 with rates 7.125% / 7.375% / 7.625% and APRs 7.59% / 7.74% / 7.99%; par (0.000 points) option shown; Estimated Payment Per $1,000 Borrowed not extracted Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 7.61% → 7.74% ▲ 0.13 pts · high 7.74% / low 7.61% Oct 2, 20267.74%▲ from 7.61% Sep 29, 20267.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Properties - 15 Year Loan	7.00%	0.000	7.11%	15 years
Details Investment property; par option shown (buy-up 6.875%/7.07% at 0.500 points, buy-down 7.125%/7.24% at -0.500 points) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Special Curriculum Loan	-	-	5.00%	60 months
Details Maximum Loan Amount: Up to $15,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Special Curriculum Loan	-	-	9.00%	180 months
Details Term: 180 months (Interest only for 60 months, then amortized for up to 120 months); Variable Rate; Maximum Loan Amount: Up to $50,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 18, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12-Month Coverdell Education Savings Account	4.11%	-	4.20%	12 months
Min Deposit $100 Min Balance $100 Details Minimum opening deposit is also the minimum balance required to earn the stated APY. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Accumulation IRA	0.99%	-	1.00%
Min Deposit $10 Details Variable rate account; rate subject to change after the account is opened. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
My Club Account	0.99%	-	1.00%	6 to 18 months
Details Initial maturity; account matures on same day of same month each year thereafter; variable rate account, subject to change after account is opened; no minimum opening deposit required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
My Home Savings Share	4.16%	-	4.25%	12 months
Min Deposit $250 Min Balance $250 Details Fixed rate share certificate; limited to Members buying a home and participating in SchoolsFirst FCU Home360; limit one per membership; additional deposits allowed to maximum balance of $150,000; withdrawals not used for a home purchase subject to penalty Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Sep 29, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Paycheck Planner	5.83%	-	6.00%
Details Monthly deposit limit: 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. Limit one per school district payroll. Variable rate certificate, subject to change after account opening. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SchoolsFirst Federal Credit Union’s Texas Ratio rose from 3.87% in Q3 2023 to 5.56% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$37.2B	5.56%	5.0	A+
March 31, 2026	$36.7B	5.40%	5.0	A+
December 31, 2025	$35.4B	5.95%	5.0	A+
September 30, 2025	$34.4B	5.36%	5.0	A+
June 30, 2025	$34.1B	4.73%	5.0	A+
March 31, 2025	$33.4B	4.73%	5.0	A+
December 31, 2024	$31.9B	5.29%	5.0	A+
September 30, 2024	$31.1B	5.03%	5.0	A+
June 30, 2024	$30.9B	4.49%	5.0	A+
March 31, 2024	$30.6B	4.40%	5.0	A+
December 31, 2023	$29.2B	4.59%	5.0	A+
September 30, 2023	$28.8B	3.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SchoolsFirst Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SchoolsFirst Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SchoolsFirst Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SchoolsFirst Federal Credit Union

Website https://www.schoolsfirstfcu.org

Address 15332 Newport Ave, Tustin, CA 92780

Phone 800-462-8328

Fax

President John Didion

CEO Bill Cheney

Full-Time Employees 2,826

Part-Time Employees 162

Branch Locations 73

ATM Locations 66

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.56%

Return on Assets (ROA)

0.4373%

Return on Equity (ROE)

4.6004%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

37,231,194,377

Total Amount of Shares and Deposits

31,997,793,234

Total Shares and Deposits < 1 Year

28,134,099,314

Total Shares and Deposits 1 3 Years

3,257,839,002

Total Shares and Deposits > 3 Years

605,854,918

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,583,856,165

Total Uninsured Shares and Deposits > $250K (F+J)

3,583,856,165

Total Insured Shares and Deposits > $250K (item 17 less item K)

28,413,937,069

Total Interest Expense (Sum of items 6 8)

368,829,391

Share Certificates

298,138

Number of Accounts for Share Drafts

1,342,768

IRA KEOGH Accounts

62,203

Number of Accounts for Regular Shares

2,222,436

Money Market Shares

141,474

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,560,015,682

Total Liabilities

33,680,927,540

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SchoolsFirst Federal Credit Union earned the Verified Healthy badge

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Total Reviews

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Frequently Asked Questions About SchoolsFirst Federal Credit Union

How many branches does SchoolsFirst Federal Credit Union operate?

SchoolsFirst Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SchoolsFirst Federal Credit Union?

Yes, to access services at SchoolsFirst Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SchoolsFirst Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SchoolsFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SchoolsFirst Federal Credit Union offer online and mobile banking?

Most modern institutions like SchoolsFirst Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.schoolsfirstfcu.org.

Current SchoolsFirst Federal Credit Union Rates

12-Month CD3.85%
18-Month CD3.95%
24-Month CD4.00%
60-Month CD4.00%
Savings4.25%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

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SchoolsFirst Federal Credit Union Rates & Review October 2026

Brian McKay

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SchoolsFirst Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About SchoolsFirst Federal Credit Union

How many branches does SchoolsFirst Federal Credit Union operate?

Is a member application needed to join SchoolsFirst Federal Credit Union?

Is there a first-time homebuyer program?

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Does SchoolsFirst Federal Credit Union offer online and mobile banking?

Current SchoolsFirst Federal Credit Union Rates

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