Schoolsfirst Federal Credit Union
Headquarters
P.o. Box 11547
Santa Ana, CA 92711
See all branch locations →
ACH 322282001
Phone 1-714-258-4000
2024 Overview
General Credit Union Information
Schoolsfirst is an NCUA insured institution located in Santa Ana, CA. It was founded in 1934 and has approximately $29222.24 millions in assets.
Who can join?
SchoolsFirst FCU’s service area is the following Southern California counties:
Imperial
Kern
Los Angeles
Orange
Riverside
San Bernardino
San Diego
San Luis Obispo
Santa Barbara
Ventura
Within those counties, we serve employees of the following educational entities:
Public elementary and secondary schools
Private elementary and secondary schools that are listed as a private school in
the California Department of Education School Directory
County Superintendents of Schools
Community Colleges
Authorized colleges and universities that offer degree programs
Authorized education foundations
In addition, we serve the following:
Members of the boards of trustees of eligible schools
Educators who have retired from one of the above eligible educational entities, who received or are receiving a pension or annuity from
that entity’s retirement program, such as STRS or PERS
Immediate family members of any existing SchoolsFirst FCU Member (spouse, mother, father, brother, sister, son, daughter, grandparent, grandchild)
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24212 |
| Date Established | 1934 |
| Assets | $29,222.24 million |
| Loans | $19,062.62 million |
| Deposits | $24,037.57 million |
| Capital | $2,994.17 million |
Field of Membership Restrictions
Membership in SchoolsFirst Federal Credit Union is open to employees and retirees of public or private schools, community colleges, authorized universities or colleges, or members of authorized education foundations in Imperial, San Diego, Kern, Riverside, San Luis Obispo, Los Angeles, Orange, Santa Barbara, or Ventura Counties in California.
Deposit Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $5 | - |
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|
|
Money Market
|
0.75% | $2,000 | $9,999 |
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|
|
Money Market
|
1.00% | $10,000 | $99,999 |
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|
|
Money Market
|
1.50% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3-5 Month
|
3.85% | $500 | $19,999 |
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|
| 3-5 Month
|
3.90% | $20,000 | $49,999 |
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|
| 3-5 Month
|
3.95% | $50,000 | $99,999 |
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|
| 3-5 Month Jumbo
|
4.00% | $100,000 | - |
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|
| 6 Mo CD
|
4.10% | $500 | - |
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|
| 6-11 Month
|
4.15% | $20,000 | $49,999 |
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|
| 6-11 Month
|
4.20% | $50,000 | $99,999 |
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|
| 6 Mo CD
|
4.25% | $100,000 | - |
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|
| 6-11 Month
|
4.10% | $500 | $19,999 |
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|
| 6-11 Month
|
4.15% | $20,000 | $49,999 |
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|
| 6-11 Month
|
4.20% | $50,000 | $99,999 |
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|
| 6-11 Month Jumbo
|
4.25% | $100,000 | - |
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|
| 12 Mo CD
|
4.20% | $500 | - |
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|
| 12-17 Month
|
4.25% | $20,000 | $49,999 |
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|
| 12-17 Month
|
4.30% | $50,000 | $99,999 |
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|
| 12 Mo CD
|
4.35% | $100,000 | - |
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|
| 15 Month Promotional
|
4.75% | $500 | - |
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|
| 18 Mo CD
|
4.20% | $500 | - |
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|
| 18-23 Month
|
4.25% | $20,000 | $49,999 |
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|
| 18-23 Month
|
4.30% | $50,000 | $99,999 |
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|
| 18 Mo CD
|
4.35% | $100,000 | - |
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|
| 24 Mo CD
|
4.20% | $500 | $19,999 |
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|
| 24 Mo CD
|
4.25% | $20,000 | $49,999 |
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|
| 24 Mo CD
|
4.30% | $50,000 | $99,999 |
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|
| 24 Mo CD
|
4.35% | $100,000 | - |
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|
| 36 Mo CD
|
4.20% | $500 | - |
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|
| 36-47 Month
|
4.25% | $20,000 | $49,999 |
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|
| 36-47 Month
|
4.30% | $50,000 | $99,999 |
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|
| 36 Mo CD
|
4.35% | $100,000 | - |
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|
| 37 Month Promotional
|
4.85% | $500 | - |
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|
| 48 Mo CD
|
4.20% | $500 | - |
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|
| 48-59 Month
|
4.25% | $20,000 | $49,999 |
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|
| 48-59 Month
|
4.30% | $50,000 | $99,999 |
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|
| 48 Mo CD
|
4.35% | $100,000 | - |
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|
| 60 Mo CD
|
4.35% | $500 | - |
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|
| 60 Month
|
4.40% | $20,000 | $49,999 |
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|
| 60 Month
|
4.45% | $50,000 | $99,999 |
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|
| 60 Mo CD
|
4.50% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $0 | $24,999 | Learn More |
| Investment
|
0.10% | $25,000 | - | Learn More |
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.14% | 3.14% | $728.57 | |
| 4 Year | 3.14% | 3.14% | $554.91 | |
| 5 Year | 3.14% | 3.14% | $450.77 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 15 Year Fixed Conforming See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.18% | 7.13% | $2,155.90 | |
| 30 Year Fixed Conforming See Amortization Table |
7.44% | 7.38% | $2,210.16 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 15 Year Fixed Conforming See Amortization Table |
6.85% | 6.75% | $2,831.71 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.18% | 7.13% | $2,155.90 | |
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
||||
| 30 Year Fixed Conforming See Amortization Table |
7.44% | 7.38% | $2,210.16 | |
|
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
||||
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Schoolsfirst branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SCHOOLSFIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Schoolsfirst Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Schoolsfirst. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Schoolsfirst | U.S. Average |
|---|---|
| 4.08% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Schoolsfirst had $122,397,406 in non-current loans and $3,474,600 in owned assets. To cover these potential losses it had $2,994,174,310 in net worth and $89,990,235 in loans loss reserves. That gives it a Texas Ratio of 4.08%.
Net Worth
| Schoolsfirst | U.S. Average |
|---|---|
| 10.24% | 13.62% |
Schoolsfirst FCU has a net worth of 10.24% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Schoolsfirst
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