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SchoolsFirst Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.schoolsfirstfcu.org
714-258-4000
15332 Newport Ave
Tustin, CA 92780

SchoolsFirst Federal Credit Union is headquartered in Tustin and is the largest credit union in the state of California. It is also the 3rd largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 2,738 employees and 1,482,158 members at 75 locations. SchoolsFirst Federal Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in SchoolsFirst Federal Credit Union is open to current or retired school employee living in California. Immediate family members of a SchoolsFirst FCU member also qualify for membership.
See current membership details

Reviews (3)

5K In - 5K Out

Posted by: |

Maximum transfers in or out $5,000 per day.

2

Raymon Riverside Call Center

Posted by: |

Best customer service ever love this bank and customer service
But especially Raymon he was great

3

No Fees For Checking

Posted by: |

I cannot for the life of me find the ach transfer limits daily. The checking account has no fees compared to Chase. I believe they give you a checkbook, but there is no interest paid on checking.

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24212
Year Chartered1934
Employees2738
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.6%
Annual Interest Income$379.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$33.42B$30.6B
LoansQ1 2025vs Q1 2024$20.37B$19.22B
DepositsQ1 2025vs Q1 2024$28.22B$25.33B
Equity CapitalQ1 2025vs Q1 2024$3.19B$2.98B
Loan Loss AllowanceQ1 2025vs Q1 2024$173.6MM$155.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$159.3MM$140MM
Real Estate OwnedQ1 2025vs Q1 2024$320K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SchoolsFirst Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.50%$0-Summer Saver - School Employees Only
6.50%$0-Paycheck Planner - School Employees Only
1.00%$0-My Club Account
0.10%$0-Share Savings

SchoolsFirst Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100k*-Liquid Advantage Money Market
OTHER TIERS: 0.75% → $2k - $10k | 1.00% → $10k - $100k

SchoolsFirst Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$25k*$100kInvestment Checking
OTHER TIERS: 0.05% → $0 - $25k

SchoolsFirst Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$50-60 Month Deferred Compensation Certificate - School Employees Only
4.50%$50-36 Month Deferred Compensation Certificate - School Employees Only
4.45%*$250k*-60 Month Share Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.45%$50-12 Month Deferred Compensation Certificate - School Employees Only
4.35%*$250k*-18 - 23 Month Share Certificate
OTHER TIERS: 4.15% → $500 - $20k | 4.20% → $20k - $50k | 4.25% → $50k - $100k | 4.30% → $100k - $250k
4.35%*$250k*-24 - 35 Month Share Certificate
OTHER TIERS: 4.15% → $500 - $20k | 4.20% → $20k - $50k | 4.25% → $50k - $100k | 4.30% → $100k - $250k
4.35%*$250k*-36 - 47 Month Share Certificate
OTHER TIERS: 4.15% → $500 - $20k | 4.20% → $20k - $50k | 4.25% → $50k - $100k | 4.30% → $100k - $250k
4.35%*$250k*-48 - 59 Month Share Certificate
OTHER TIERS: 4.15% → $500 - $20k | 4.20% → $20k - $50k | 4.25% → $50k - $100k | 4.30% → $100k - $250k
4.35%*$250k*-12 - 17 Month Share Certificate
OTHER TIERS: 4.15% → $500 - $20k | 4.20% → $20k - $50k | 4.25% → $50k - $100k | 4.30% → $100k - $250k
4.30%*$250k*-6 - 11 Month Share Certificate
OTHER TIERS: 4.10% → $500 - $20k | 4.15% → $20k - $50k | 4.20% → $50k - $100k | 4.25% → $100k - $250k
4.30%$500-37 Month Promotional Share Certificate
4.25%$200-12 Month College Saver
4.25%$500-6 Month Add On Promotional Share Certificate
4.05%*$250k*-3 - 5 Month Share Certificate
OTHER TIERS: 3.85% → $500 - $20k | 3.90% → $20k - $50k | 3.95% → $50k - $100k | 4.00% → $100k - $250k
3.15%*$250k*-30 Day Share Certificate
OTHER TIERS: 2.95% → $500 - $20k | 3.00% → $20k - $50k | 3.05% → $50k - $100k | 3.10% → $100k - $250k
1.00%$0-6 - 18 Month My Club Certificate

SchoolsFirst Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.55%*$250k*-60 Month IRA Certificate
OTHER TIERS: 4.35% → $500 - $20k | 4.40% → $20k - $50k | 4.45% → $50k - $100k | 4.50% → $100k - $250k
4.45%*$250k*-12 - 17 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.45%*$250k*-18 - 23 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.45%*$250k*-24 - 35 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.45%*$250k*-36 - 47 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.45%*$250k*-48 - 59 Month IRA Certificate
OTHER TIERS: 4.25% → $500 - $20k | 4.30% → $20k - $50k | 4.35% → $50k - $100k | 4.40% → $100k - $250k
4.40%*$250k*-6 - 11 Month IRA Certificate
OTHER TIERS: 4.20% → $500 - $20k | 4.25% → $20k - $50k | 4.30% → $50k - $100k | 4.35% → $100k - $250k
4.40%$500-37 Month Promotional IRA Certificate
4.35%$100-12 Month Coverdell Education Savings Account
4.35%$500-6 Month Promotional IRA Certificate
4.15%*$250k*-3 - 5 Month IRA Certificate
OTHER TIERS: 3.95% → $500 - $20k | 4.00% → $20k - $50k | 4.05% → $50k - $100k | 4.10% → $100k - $250k
3.25%*$250k*-30 Day IRA Certificate
OTHER TIERS: 3.05% → $500 - $20k | 3.10% → $20k - $50k | 3.15% → $50k - $100k | 3.20% → $100k - $250k
1.00%$10-Accumulation IRA
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