SchoolsFirst Federal Credit Union


Overview / Commentary
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 4th largest credit union in the nation. It was established in 1934 and as of September of 2024, it had grown to 2,711 employees and 1,435,595 members at 73 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

Related Posts

4.60% APY For 37 Months $500 min (So Calif) - 12/6/2024

SchoolsFirst is keeping their 3-year CD rates relatively high compared to other places, even though they never really used to be a rate leader. They are one of the largest credit unions in the country, but membership is mostly So Calif and education-related, tho if you have siblings who are members then you can join too, which is how I got in. If you're eligible, it's a good rate for a 3 year cd now. https://www.schoolsfirstfcu.org/rates/dividend/

4.85% For 37 Months - 7/31/2024

Schoolsfirst is a large credit union but is not open to everyone. They are running 2 specials. 4.75% for 15 months. 4.85% for 37 months. Other places have bit better rates for 3 years but it's not bad. Penalty on the 37 month is 180 days.

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Reviews (3)

5K In - 5K Out

Posted by: |

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

Raymon Riverside Call Center

Posted by: |

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

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.



Health

Health Grade Components

Overall
NCUA #24212
Year Chartered1934
Employees2711
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.07%
Annual Interest Income$1B
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$31.08B$28.78B
LoansQ3 2024vs Q3 2023$19.81B$18.63B
DepositsQ3 2024vs Q3 2023$25.84B$23.98B
Equity CapitalQ3 2024vs Q3 2023$3.09B$2.89B
Loan Loss AllowanceQ3 2024vs Q3 2023$160.6MM$152.2MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$164.4MM$120.5MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not SchoolsFirst Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%$10-Accumulation IRA
0.10%$5-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
Locations

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