Overall (8.9/10)
Interest Rates & APY (9.1/10)
Fees & Minimums (9.3/10)
Customer Service (8.9/10)
Mobile App & Digital Banking (9.1/10)
Rewards & Perks (9.3/10)

SchoolsFirst Federal Credit Union Review:

Intro

SchoolsFirst Federal Credit Union is the 5th largest credit union in the United States ($30B+ in assets) and the #1 credit union serving educational employees and their immediate family members, offering ultra-low-rate Auto Loans, School Employee Mortgages, and high-yield Share Certificates.

Full Review

SchoolsFirst Federal Credit Union (Santa Ana, CA, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. SchoolsFirst Federal Credit Union is the 5th largest credit union in the United States ($30B+ in assets) and the #1 credit union serving educational employees and their immediate family members, offering ultra-low-rate Auto Loans, School Employee Mortgages, and high-yield Share Certificates.

In our comprehensive 2026 review, SchoolsFirst Federal Credit Union earned strong marks across rate competitiveness (Up to 4.65% Share Certificate APY), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at SchoolsFirst Federal Credit Union.

Pros

  • Consistently ranked #1 in member service among large U.S. credit unions
  • Ultra-low APRs on auto loans, credit cards (starting under 12% APR), and educator mortgages
  • Summer Saver Account pays boosted APY specifically designed for 10-month school payroll schedules

Cons

  • Membership is restricted to current/retired school employees and their immediate family members
Feature Value
Overall Rating 4.8
Savings APY / AER Up to 4.65% Share Certificate APY
Deposit Insurance FDIC / NCUA Insured ($250k+)

SchoolsFirst Federal Credit Union: Products

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SchoolsFirst Share Certificate & Summer Saver

SchoolsFirst Share Certificate & Summer Saver

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SchoolsFirst New & Used Auto Loan

SchoolsFirst New & Used Auto Loan

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SchoolsFirst Federal Credit Union: Categories

Credit Cards

Credit Cards

Rated 9.2

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Mortgages & Home Loans

Mortgages & Home Loans

Rated 9.1

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Auto Loans

Auto Loans

Rated 9

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CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 8.9

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High-Yield Savings

High-Yield Savings

Rated 8.8

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Checking Accounts

Checking Accounts

Rated 8.7

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