Po Box 11547
Santa Ana, CA 92711
See all branch locations →

Phone 1-714-258-4000

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.10% 1.15% →
30-Year Mortgage 3.94% 2.72% →
15-Year Mortgage 3.35% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Schoolsfirst is an NCUA insured institution located in Santa Ana, CA. It was founded in 1934 and has approximately $25252.96 millions in assets.

Who can join?

SchoolsFirst FCU’s service area is the following Southern California counties:

Los Angeles
San Bernardino
San Diego
San Luis Obispo
Santa Barbara

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 $25,252.96 million
Loans $11,324.68 million
Deposits $22,181.64 million
Capital $2,382.39 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 - September 16, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $5 - Learn More
Money Market
0.15% $2,000 $9,999 Learn More
Money Market
0.20% $10,000 $99,999 Learn More
Money Market
0.25% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $500 - Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.45% $500 - Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.55% $500 - Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.60% $500 - Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.60% $500 - Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.70% $500 - Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.80% $500 - Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
0.95% $500 - Learn More
60 Mo CD
1.10% $100,000 - Learn More
Int Checking Rates APY MIN MAX
0.03% $0 $24,999 Learn MoreShow Less

Loan Rates - September 16, 2021

Your Current Location: Virginia, VA 20146

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
Purchase Mortgage Rates APR Rate Monthly Payment

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.



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:

Schoolsfirst Locations

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
1.39% 4.38

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 March 31, 2021, Schoolsfirst had $33,144,274 in non-current loans and $1,306,589 in owned assets. To cover these potential losses it had $2,382,390,205 in net worth and $95,907,818 in loans loss reserves. That gives it a Texas Ratio of 1.39%.

Net Worth
Schoolsfirst U.S. Average
9.43% 12.20%

Schoolsfirst FCU has a net worth of 9.43% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Schoolsfirst

Branches and Savings

What is Schoolsfirst?

A federal credit union, registered with the NCUA under certificate #24212.
Learn more about credit unions here.

Is Schoolsfirst FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Schoolsfirst is insured by the NCUA.

Who can join Schoolsfirst?

Please see Field of Membership information above for information on who is eligible to join.

What are Schoolsfirst's share account and share certificate rates?

Schoolsfirst's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Schoolsfirst?

Schoolsfirst has total capital of $2,382.39 million. Full information on Schoolsfirst's financial position is located above.

Who owns Schoolsfirst?

Credit Unions are owned by their members.

Where are Schoolsfirst branches located?

See branch locations nearby.

Are Schoolsfirst ATMs Open 24/7?

Do Schoolsfirst ATMs accept cash deposits?

Can Schoolsfirst customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Schoolsfirst have a mobile app?

Does Schoolsfirst have mobile deposit?

Does Schoolsfirst have quick pay?

How can Schoolsfirst transfer money to other banks or credit unions?

Does Schoolsfirst report to credit bureaus?

Does Schoolsfirst use Chexsystems?

Does Schoolsfirst use Equifax?

What is Schoolsfirst's toll free phone number?

What is Schoolsfirst's ACH Routing Number?

What is Schoolsfirst's SWIFT code?

Where can I find Schoolsfirst's wire transfer form?

What is the Schoolsfirst address for deposits?

What Products Does Schoolsfirst Offer

Does Schoolsfirst offer mortgages?

Compare mortgage rates here.

Does Schoolsfirst offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Schoolsfirst offer auto and RV loans?

Compare auto loan rates here.

Does Schoolsfirst offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Schoolsfirst

There are currently no comments for Schoolsfirst. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →