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 SchoolsFirst Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
SchoolsFirst Federal Credit Union's Deferred Compensation CDs - 60 month rates are at 4.30%, 37-Month Promotional IRA CD rates are at 4.20%, Deferred Compensation CDs - 36 month rates are at 4.20%, 60 month IRA CDs (Jumbo) rates are at 4.20%, IRA CDs(Traditional and Roth IRA) 60 month rates are at 4.20%. SchoolsFirst Federal Credit Union's savings rates are at 0.10%. SchoolsFirst Federal Credit Union's money market rates are at 0.75%. SchoolsFirst Federal Credit Union's Fixed-Rate Mortgages: Conforming - 15 Year rates are at 5.88%, Fixed-Rate Mortgages: Conforming - 10 Year rates are at 5.88%, Fixed-Rate Mortgages: Conforming - 15 Year rates are at 5.88%, Fixed-Rate Mortgages: Jumbo - 15 Year rates are at 6.12%, Adjustable-Rate Mortgages (ARM) - 10/1 ARM rates are at 5.88%. SchoolsFirst Federal Credit Union's Personal Loan Rates are at 5.40%. 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 5.36%. Rates last updated and verified on 08/28/2026. 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. SchoolsFirst Federal Credit Union
Tustin RH2 15332 Newport Ave
https://www.schoolsfirstfcu.org Tustin, CA 92780 
SchoolsFirst Federal Credit Union CD Rates
SchoolsFirst Federal Credit Union Savings Rates
SchoolsFirst Federal Credit Union Money Market Rates
SchoolsFirst Federal Credit Union Checking Rates
SchoolsFirst Federal Credit Union Mortgage Rates
SchoolsFirst Federal Credit Union Home Equity & HELOC
SchoolsFirst Federal Credit Union Auto Loan Rates
SchoolsFirst Federal Credit Union Student Loan Rates
SchoolsFirst Federal Credit Union Credit Card Rates
SchoolsFirst Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
Matthew Schulenberg
CEO
Bill Cheney
Full-Time Employees
2,790
Part-Time Employees
169
Branch Locations
73
ATM Locations
70
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.36%
Return on Assets (ROA)
0.5347%
Return on Equity (ROE)
5.5243%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
34,407,962,377
Total Amount of Shares and Deposits
29,272,025,434
Total Shares and Deposits < 1 Year
25,589,345,849
Total Shares and Deposits 1 3 Years
2,897,164,617
Total Shares and Deposits > 3 Years
785,514,968
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,753,546,056
Total Uninsured Shares and Deposits > $250K (F+J)
1,753,546,056
Total Insured Shares and Deposits > $250K (item 17 less item K)
27,518,479,378
Total Interest Expense (Sum of items 6 8)
510,113,143
Share Certificates
290,861
Number of Accounts for Share Drafts
1,286,269
IRA KEOGH Accounts
60,854
Number of Accounts for Regular Shares
2,137,067
Money Market Shares
137,805
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)
4,487,515,235
Total Liabilities
31,067,093,039
Source: NCUA — Last Updated 09/30/2025
Customer ReviewsQlAS
December 17, 2025
ilDr
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Frequently Asked Questions About SchoolsFirst Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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