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SchoolsFirst Federal Credit Union

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SchoolsFirst Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at SchoolsFirst Federal Credit Union?

Current rates for SchoolsFirst Federal Credit Union include: 12-Month CD: 3.85%, 18-Month CD: 3.95%, 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 4.25%, MMA: 1.00%

Q: What CD terms does SchoolsFirst Federal Credit Union offer?

SchoolsFirst Federal Credit Union CD rates are 4.35% APY for a 12 month CD, 3.95% APY for an 18 month CD, 4.30% APY for a 19 month CD, 4.00% APY for a 2 year CD, 4.40% APY for a 3 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SchoolsFirst Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

SchoolsFirst Federal Credit Union's Deferred Compensation CD - 60 month rates are at 4.50%, Deferred Compensation CD - 36 month rates are at 4.40%, Deferred Compensation CD - 12 month rates are at 4.35%, 19-Month Promotional CD rates are at 4.30%, 60 Month CDs rates are at 4.30%. SchoolsFirst Federal Credit Union's savings rates are at 4.25%. SchoolsFirst Federal Credit Union's money market rates are at 1.00%. SchoolsFirst Federal Credit Union's checking rates are as high as 0.10%. SchoolsFirst Federal Credit Union's Conforming Fixed-Rate Mortgage - 10 Year rates are at 6.38%, Conforming Fixed-Rate Mortgage - 15 Year rates are at 6.50%, Adjustable-Rate Mortgage - 7/1 ARM rates are at 6.12%, Adjustable-Rate Mortgage - 10/1 ARM rates are at 6.38%, Adjustable-Rate Mortgage - 5/1 ARM rates are at 5.88%. SchoolsFirst Federal Credit Union's Personal Loan Rates are as low as 7.40%. SchoolsFirst Federal Credit Union's Credit Card Rates are at 10.25%. SchoolsFirst Federal Credit Union's CD rates are 52% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SchoolsFirst Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.56%. Rates last updated and verified on 10/29/2026.

SchoolsFirst Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SchoolsFirst Federal Credit Union? Share your experience about SchoolsFirst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SchoolsFirst Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.56%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

SchoolsFirst Federal Credit Union
Tustin RH2

15332 Newport Ave
Tustin, CA 92780

https://www.schoolsfirstfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SchoolsFirst Federal Credit Union CD Rates

Product	Rate	APY	Term
Deferred Compensation Certificate - 60 month	4.40%	4.50%	60 months
Min Deposit $50 Details Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30% Sep 29, 20264.50%▲ from 4.30% Sep 14, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19-Month Promotional IRA Share Certificate	4.31%	4.40%	19 months
Min Balance $500 Details Promotional rate good for initial term only Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Sep 29, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.31%	4.40%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Oct 13, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Deferred Compensation Certificate - 36 month	4.31%	4.40%	36 months
Min Deposit $50 Details Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Sep 29, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.26%	4.35%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Oct 13, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Deferred Compensation Certificate - 12 month	4.26%	4.35%	12 months
Min Deposit $50 Details Minimum monthly deposit: $50, payroll deposit only; Limited to employees of participating school districts; penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Sep 29, 20264.35%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.21%	4.30%	18-23 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19-Month Promotional Share Certificate	4.21%	4.30%	19-Month
Min Balance $500 Details Promotional rate good for initial term only. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 5, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.21%	4.30%	24-35 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.21%	4.30%	36-47 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.21%	4.30%	48-59 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 13, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.21%	4.30%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Sep 29, 20264.30%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificates	4.21%	4.30%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 5, 20264.30%▲ from 4.10% Sep 21, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.16%	4.25%	12-17 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.16%	4.25%	18-23 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.16%	4.25%	24-35 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.16%	4.25%	36-47 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.16%	4.25%	48-59 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 13, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.16%	4.25%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Sep 29, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificates	4.16%	4.25%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Oct 5, 20264.25%▲ from 4.05% Sep 21, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.11%	4.20%	12-17 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 13, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.11%	4.20%	18-23 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificates	4.11%	4.20%	18-23 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.11%	4.20%	24-35 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificates	4.11%	4.20%	24-35 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.11%	4.20%	36-47 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificates	4.11%	4.20%	36-47 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.11%	4.20%	48-59 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificates	4.11%	4.20%	48-59 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6-Month Promotional IRA Share Certificate	4.11%	4.20%	6 months
Min Balance $500 Details Promotional rate good for initial term only Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificate	4.11%	4.20%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificates	4.11%	4.20%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.07%	4.15%	12-17 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificates	4.07%	4.15%	12-17 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.07%	4.15%	18-23 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificates	4.07%	4.15%	18-23 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.07%	4.15%	24-35 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificates	4.07%	4.15%	24-35 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.07%	4.15%	36-47 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificates	4.07%	4.15%	36-47 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.07%	4.15%	48-59 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Sep 29, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificates	4.07%	4.15%	48-59 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	4.07%	4.15%	6-11 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 13, 20264.15%▲ from 3.95% Sep 14, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificates	4.07%	4.15%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95% Oct 5, 20264.15%▲ from 3.95% Sep 21, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	4.02%	4.10%	12-17 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificates	4.02%	4.10%	12-17 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificate	4.02%	4.10%	18-23 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificates	4.02%	4.10%	18-23 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificate	4.02%	4.10%	24-35 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificates	4.02%	4.10%	24-35 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificate	4.02%	4.10%	36-47 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificates	4.02%	4.10%	36-47 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificate	4.02%	4.10%	48-59 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Sep 29, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificates	4.02%	4.10%	48-59 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	4.02%	4.10%	6-11 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 13, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6-Month Add-On Promotional Share Certificate	4.02%	4.10%	6-Month
Min Balance $500 Details Additional deposits up to the initial opening deposit amount can be made at any time without penalty.; Promotional rate good for initial term only. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Share Certificates	4.02%	4.10%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 5, 20264.10%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificate	3.97%	4.05%	12-17 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificates	3.97%	4.05%	12-17 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12-Month College Saver	3.97%	4.05%	12 months
Min Deposit $200 Min Balance $200 Details The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificates	3.97%	4.05%	18-23 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificates	3.97%	4.05%	24-35 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificates	3.97%	4.05%	36-47 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificates	3.97%	4.05%	48-59 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.97%	4.05%	6-11 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Sep 29, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificates	3.97%	4.05%	6-11 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 5, 20264.05%▲ from 3.85% Sep 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificates	3.92%	4.00%	12-17 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month Share Certificates	3.92%	4.00%	18-23 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month Share Certificates	3.92%	4.00%	24-35 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month Share Certificates	3.92%	4.00%	36-47 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month Share Certificates	3.92%	4.00%	48-59 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.92%	4.00%	6-11 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Sep 29, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificates	3.92%	4.00%	6-11 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 5, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month Share Certificates	3.87%	3.95%	12-17 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 5, 20263.95%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month IRA Certificate	3.87%	3.95%	6-11 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Sep 29, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificates	3.87%	3.95%	6-11 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 5, 20263.95%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificates	3.83%	3.90%	6-11 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70% Oct 5, 20263.90%▲ from 3.70% Sep 21, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.78%	3.85%	3-5 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 13, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
6 - 11 Month Share Certificates	3.78%	3.85%	6-11 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 5, 20263.85%▲ from 3.65% Sep 21, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.73%	3.80%	3-5 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 13, 20263.80%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.68%	3.75%	3-5 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Sep 29, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificates	3.68%	3.75%	3-5 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 5, 20263.75%▲ from 3.55% Sep 21, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.63%	3.70%	3-5 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Sep 29, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificates	3.63%	3.70%	3-5 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 5, 20263.70%▲ from 3.50% Sep 21, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificate	3.58%	3.65%	3-5 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Sep 29, 20263.65%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificates	3.58%	3.65%	3-5 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Oct 5, 20263.65%▲ from 3.45% Sep 21, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificates	3.54%	3.60%	3-5 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Oct 5, 20263.60%▲ from 3.40% Sep 21, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month Share Certificates	3.49%	3.55%	3-5 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.35% → 3.55% ▲ 0.20 pts · high 3.55% / low 3.35% Oct 5, 20263.55%▲ from 3.35% Sep 21, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.39%	3.45%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 13, 20263.45%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.34%	3.40%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Oct 13, 20263.40%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.30%	3.35%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15% Sep 29, 20263.35%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificates	3.30%	3.35%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.15% → 3.35% ▲ 0.20 pts · high 3.35% / low 3.15% Oct 5, 20263.35%▲ from 3.15% Sep 21, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.25%	3.30%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10% Sep 29, 20263.30%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificates	3.25%	3.30%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo) Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10% Oct 5, 20263.30%▲ from 3.10% Sep 21, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day IRA Certificate	3.20%	3.25%	30 days
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Sep 29, 20263.25%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificates	3.20%	3.25%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.05% → 3.25% ▲ 0.20 pts · high 3.25% / low 3.05% Oct 5, 20263.25%▲ from 3.05% Sep 21, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificates	3.15%	3.20%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Oct 5, 20263.20%▲ from 3.00% Sep 21, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Share Certificates	3.10%	3.15%	30 days
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 2.95% → 3.15% ▲ 0.20 pts · high 3.15% / low 2.95% Oct 5, 20263.15%▲ from 2.95% Sep 21, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Savings Rates

Product	Rate	APY
Summer Saver	5.83%	6.00%
Details Limit one per Membership; variable rate account, subject to change after account opening; $1 minimum monthly deposit; maximum $2,000 per month; one catch-up deposit per term, up to $3,000 in person, by phone or by chat Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Savings	0.10%	0.10%
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Money Market Rates

Product	Rate	APY
Liquid Advantage Money Market	0.99%	1.00%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Liquid Advantage Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99; Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Checking Rates

Product	Rate	APY
Investment Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $100,000.00+; Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $24,999.99; Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conforming Fixed-Rate Mortgage - 10 Year	6.375%	0.000	6.45%	10 Year
Details Refinance only; Loan amounts $50,000 - $832,750; Par option shown (0.000 points); Other options: 6.125% / 6.42% at 1.000 points; 6.625% / 6.70% at -1.000 points Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Conforming Fixed-Rate Mortgage - 15 Year	6.50%	0.000	6.55%	15 Year
Details Refinance only; Loan amounts $50,000 - $832,750; Par option shown (0.000 points); Other options: 6.250% / 6.46% at 1.000 points; 6.750% / 6.80% at -1.000 points Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Conforming Fixed-Rate Mortgage - 15 Year	6.50%	0.000	6.61%	15 Year
Details Purchase rates; Conforming loan; Other options: 6.250% rate / 6.52% APR at 1.000 points, 6.750% rate / 6.86% APR at -1.000 points; Estimated payment per $1,000 borrowed: $8.71 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 7/1 ARM	6.125%	0.000	6.69%
Details Refinance rates; Interest rate fixed for first 84 payments then adjusts; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480% Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.73% → 6.69% ▼ 0.04 pts · high 6.73% / low 6.69% Oct 29, 20266.69%▼ from 6.73% Oct 23, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 10/1 ARM	6.375%	0.000	6.70%
Details Refinance rates; Interest rate fixed for first 120 payments then adjusts; Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.480% Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.73% → 6.70% ▼ 0.03 pts · high 6.73% / low 6.70% Oct 29, 20266.70%▼ from 6.73% Oct 23, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 10/1 ARM	6.375%	0.000	6.73%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.480%; Loan amounts $50,000 - $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 5/1 ARM	5.875%	0.000	6.73%
Details Refinance rates; Interest rate fixed for first 60 payments then adjusts; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480% Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.76% → 6.73% ▼ 0.03 pts · high 6.76% / low 6.73% Oct 29, 20266.73%▼ from 6.76% Oct 23, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 7/1 ARM	6.125%	0.000	6.73%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Loan amounts $50,000 - $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 5/1 ARM	5.875%	0.000	6.76%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Loan amounts $50,000 - $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.76% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 7/1 ARM	6.25%	0.000	6.76%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Fixed for first 7 years; Loan amounts from $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.58% → 6.76% ▲ 0.18 pts · high 6.79% / low 6.58% Oct 13, 20266.76%▼ from 6.79% Oct 2, 20266.79%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 5/5 ARM	6.00%	0.000	6.78%
Details Refinance rates; Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 10/1 ARM	6.50%	0.000	6.78%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.480%; Fixed for first 10 years; Loan amounts from $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.61% → 6.78% ▲ 0.17 pts · high 6.82% / low 6.61% Oct 13, 20266.78%▼ from 6.82% Oct 2, 20266.82%▲ from 6.61% Sep 17, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/1 ARM	6.00%	0.000	6.78%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Fixed for first 5 years; Loan amounts from $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.58% → 6.78% ▲ 0.20 pts · high 6.81% / low 6.58% Oct 13, 20266.78%▼ from 6.81% Oct 2, 20266.81%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 7/1 ARM	6.25%	0.000	6.79%
Details Payment period: 1st 84 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Estimated payment per $1,000 borrowed: $6.16 Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 6.58% → 6.79% ▲ 0.21 pts · high 6.79% / low 6.58% Oct 29, 20266.79%▲ from 6.76% Oct 13, 20266.76%▼ from 6.79% Oct 2, 20266.79%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgage - 5/5 ARM	6.00%	0.000	6.81%
Details Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890%; Loan amounts $50,000 - $832,750 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.81% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/1 ARM	6.00%	0.000	6.81%
Details Payment period: 1st 60 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Estimated payment per $1,000 borrowed: $6.00 Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 6.58% → 6.81% ▲ 0.23 pts · high 6.81% / low 6.58% Oct 29, 20266.81%▲ from 6.78% Oct 13, 20266.78%▼ from 6.81% Oct 2, 20266.81%▲ from 6.58% Sep 17, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 15 Year	6.75%	0.000	6.82%	15 Year
Details Jumbo loan; Loan Amounts: See Below; Other options: 1.000 points at 6.500% rate / 6.73% APR; -1.000 points at 7.000% rate / 7.07% APR Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.82% → 6.82% ▼ 0.00 pts · high 6.90% / low 6.82% Oct 23, 20266.82%▼ from 6.90% Oct 15, 20266.90%▲ from 6.82% Oct 13, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 10/1 ARM	6.50%	0.000	6.82%
Details Payment period: 1st 120 payments; Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.480%; Estimated payment per $1,000 borrowed: $6.32 Last Updated 10/29/2026 Rate History 3 changes since Sep 17, 2026 · 6.61% → 6.82% ▲ 0.21 pts · high 6.82% / low 6.61% Oct 29, 20266.82%▲ from 6.78% Oct 13, 20266.78%▼ from 6.82% Oct 2, 20266.82%▲ from 6.61% Sep 17, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/5 ARM (Rate adjusts every 5 years)	6.125%	0.000	6.83%
Details Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890%; Fixed for first 5 years; Loan amounts from $50,000 - $1,500,000; Maximum LTV 90% Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 6.90% → 6.83% ▼ 0.07 pts · high 6.90% / low 6.83% Oct 29, 20266.83%▼ from 6.90% Oct 15, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
No PMI Adjustable-Rate Mortgage (ARM) - 5/5 ARM	6.125%	0.000	6.86%
Details Rate adjusts every 5 years; Payment period: 1st 60 payments; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890%; Estimated payment per $1,000 borrowed: $6.08 Last Updated 10/29/2026 Rate History 4 changes since Sep 17, 2026 · 6.63% → 6.86% ▲ 0.23 pts · high 6.93% / low 6.63% Oct 29, 20266.86%▼ from 6.90% Oct 23, 20266.90%▼ from 6.93% Oct 13, 20266.93%▲ from 6.86% Oct 2, 20266.86%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 15 Year	6.875%	0.000	6.90%	15 Year
Details Loan amounts from $832,751 - $3,000,000; Par option shown (1.000 points = 6.625% rate / 6.81% APR; -1.000 points = 7.125% rate / 7.15% APR); Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 90% for loans up to $1,500,000, 80% up to $3,000,000; PMI required for down payments less than 20% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.82% → 6.90% ▲ 0.08 pts · high 6.90% / low 6.82% Oct 15, 20266.90%▲ from 6.82% Oct 13, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 15 Year	6.875%	0.000	6.96%	15 Year
Details Conforming, High-Cost Area; par option of stacked points (1.000 / 0.000 / -0.500); Minimum Loan Amount: $832,751; Estimated Payment Per $1,000 Borrowed: $8.92 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.78% → 6.96% ▲ 0.18 pts · high 6.96% / low 6.78% Oct 2, 20266.96%▲ from 6.78% Sep 17, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 15 Year	7.00%	0.000	7.03%	15 Year
Details Refinance only; Estimated payment per $1,000 borrowed: $8.99; Other point options: 1.000 points at 6.750% (6.94% APR), -0.500 points at 7.125% (7.16% APR) Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.78% → 7.03% ▲ 0.25 pts · high 7.03% / low 6.78% Oct 13, 20267.03%▲ from 6.96% Oct 2, 20266.96%▲ from 6.78% Sep 17, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Property Fixed-Rate Mortgage - 15 Year	7.00%	0.000	7.05%	15 years
Details Investment properties; par option of 6.875%/7.000%/7.125% rate options (points 0.500/0.000/-0.500); minimum loan amount $50,000; maximum loan based on county Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA 15 Year Fixed Refinance	6.50%	0.000	7.19%	15 Year
Details Refinance only; par option (0.000 points) shown; other options: 6.250% at 7.10% APR with 1.000 points, 6.750% at 7.44% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $8.93 (payment column ignored) Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgage - 15 Year	6.50%	0.000	7.26%	15 Year
Details Purchase rates; loan amounts $50,000 - $1,249,125; APR includes mortgage insurance; other point options: 1.000 points at 6.250% rate / 7.17% APR, -1.000 points at 6.750% rate / 7.51% APR Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.19% → 7.26% ▲ 0.07 pts · high 7.26% / low 7.19% Oct 23, 20267.26%▲ from 7.19% Oct 13, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Conforming Fixed-Rate Mortgage - 30 Year	7.25%	0.000	7.28%	30 Year
Details Refinance only; Loan amounts $50,000 - $832,750; Par option shown (0.000 points); Other options: 7.000% / 7.13% at 1.000 points; 7.500% / 7.53% at -1.000 points Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Conforming Fixed-Rate Mortgage - 30 Year	7.25%	0.000	7.32%	30 Year
Details Purchase rates; Conforming loan; Other options: 7.000% rate / 7.17% APR at 1.000 points, 7.500% rate / 7.57% APR at -1.000 points; Estimated payment per $1,000 borrowed: $6.82 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.32% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 30 Year	7.375%	0.000	7.39%	30 Year
Details Loan amounts from $832,751 - $3,000,000; Par option shown (1.000 points = 7.125% rate / 7.24% APR; -1.000 points = 7.625% rate / 7.64% APR); Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 90% for loans up to $1,500,000, 80% up to $3,000,000; PMI required for down payments less than 20% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.42% → 7.39% ▼ 0.03 pts · high 7.42% / low 7.39% Oct 15, 20267.39%▼ from 7.42% Oct 13, 20267.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Jumbo Fixed-Rate Mortgage - 30 Year	7.375%	0.000	7.42%	30 Year
Details Jumbo loan; Loan Amounts: See Below; Other options: 1.000 points at 7.125% rate / 7.27% APR; -1.000 points at 7.625% rate / 7.67% APR Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.42% → 7.42% ▼ 0.00 pts · high 7.42% / low 7.39% Oct 23, 20267.42%▲ from 7.39% Oct 15, 20267.39%▼ from 7.42% Oct 13, 20267.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming - 30 Year	7.375%	0.000	7.44%	30 Year
Details Loan amounts from $50,000 - $832,750; Minimum down payment 3%; Eligible properties are primary residence single-family homes and condominiums; manufactured homes are not eligible; Must be an eligible school employee to qualify; Other point options: 1.000 points at 7.125% (APR 7.29%); -1.000 points at 7.625% (APR 7.69%); Disclosed APR includes 15 days of estimated prepaid interest Last Updated 10/29/2026 Rate History 4 changes since Sep 21, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.56% / low 7.19% Oct 23, 20267.44%▼ from 7.56% Oct 2, 20267.56%▲ from 7.44% Sep 29, 20267.44%▲ from 7.31% Sep 25, 20267.31%▲ from 7.19% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 30 Year	7.50%	0.000	7.52%	30 Year
Details Refinance only; Estimated payment per $1,000 borrowed: $6.99; Other point options: 1.000 points at 7.250% (7.37% APR), -0.500 points at 7.625% (7.64% APR) Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 7.14% → 7.52% ▲ 0.38 pts · high 7.55% / low 7.14% Oct 13, 20267.52%▼ from 7.55% Oct 2, 20267.55%▲ from 7.14% Sep 17, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 30 Year	7.50%	0.000	7.55%	30 Year
Details Conforming, High-Cost Area; par option of stacked points (1.000 / 0.000 / -0.500); Minimum Loan Amount: $832,751; Estimated Payment Per $1,000 Borrowed: $6.99 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.14% → 7.55% ▲ 0.41 pts · high 7.55% / low 7.14% Oct 2, 20267.55%▲ from 7.14% Sep 17, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming, High-Cost Area - 30 Year	7.50%	0.000	7.55%	30 Year
Details Purchase rates; Par option. Other point options: 1.000 points at 7.250% (APR 7.40%); -1.000 points at 7.750% (APR 7.80%). Requires eligible school employee. Minimum down payment 3%. Conditions: primary residence single-family or condominium; loan amounts $850,000 for high-cost areas. Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.37% → 7.55% ▲ 0.18 pts · high 7.55% / low 7.37% Oct 9, 20267.55%▲ from 7.37% Sep 17, 20267.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Property Fixed-Rate Mortgage - 30/15-Year Balloon	7.875%	0.000	7.91%	30/15-Year Balloon
Details Investment properties; par option of 7.750%/7.875%/8.000% rate options (points 0.500/0.000/-0.500); based on $1,000 loan at 7.500%, estimated payoff after 15 years is $761.26; minimum loan amount $50,000; maximum loan based on county Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.91% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA 30 Year Fixed Refinance	7.25%	0.000	7.98%	30 Year
Details Refinance only; par option (0.000 points) shown; other options: 7.000% at 7.84% APR with 1.000 points, 7.500% at 8.24% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $7.20 (payment column ignored) Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 8.11% → 7.98% ▼ 0.13 pts · high 8.11% / low 7.98% Oct 23, 20267.98%▼ from 8.11% Oct 15, 20268.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgage - 30 Year	7.25%	0.000	8.03%	30 Year
Details Purchase rates; loan amounts $50,000 - $1,249,125; APR includes mortgage insurance; other point options: 1.000 points at 7.000% rate / 7.88% APR, -1.000 points at 7.500% rate / 8.28% APR Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.11% → 8.03% ▼ 0.08 pts · high 8.11% / low 8.03% Oct 23, 20268.03%▼ from 8.11% Oct 13, 20268.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
10-Year Fixed Home Equity Loan	6.875%	-	6.875%
Details Published APR range: 6.875% - 10.125%; Published rate range: 6.875% - 10.125%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Rate Advantage Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Published APR range: 7.000% - 10.500%. Fixed rate for five years, variable thereafter; Margin: -0.500% - 3.000%; Maximum Loan: $500,000.00; Maximum CLTV: 80.00%; Interest only for first 10 years; Owner-occupied primary residences from $10,000 to $500,000; Non-owner occupied properties from $10,000 to $150,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
15-Year Fixed Home Equity Loan	7.125%	-	7.125%
Details Published APR range: 7.125% - 10.375%; Published rate range: 7.125% - 10.375%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Due in 20 Fixed Home Equity Loan	7.75%	-	7.75%
Details Published APR range: 7.750% - 11.000%; Published rate range: 7.750% - 11.000%. Maximum Loan: $500,000.00; Maximum CLTV: 80.00% Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.69%	36 months
Details Range of Rates: 4.69% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Sep 21, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.69%	48 months
Details Range of Rates: 4.69% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Oct 5, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.69%	60 months
Details Range of Rates: 4.69% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Oct 5, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.69%	36 months
Details Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Oct 13, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.69%	48 months
Details Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Oct 13, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - New	-	-	4.69%	60 months
Details Range of Rates - New: 4.69% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.59% → 4.69% ▲ 0.10 pts · high 4.69% / low 4.59% Oct 29, 20264.69%▲ from 4.59% Oct 13, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	5.09%	72 months
Details Range of Rates: 5.09% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Sep 21, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	5.09%	36 months
Details Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Oct 13, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	5.09%	48 months
Details Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Oct 13, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off - Used	-	-	5.09%	60 months
Details Range of Rates - Used: 5.09% - 18.00% APR; Original loan term must be 60 months or less to be eligible for summers off Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Oct 13, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.09%	36 months
Details Range of Rates: 5.09% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Sep 21, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.09%	48 months
Details Range of Rates: 5.09% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Oct 5, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.09%	60 months
Details Range of Rates: 5.09% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 29, 20265.09%▲ from 4.99% Oct 5, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.29%	72 months
Details Range of Rates: 5.29% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 5.19% → 5.29% ▲ 0.10 pts · high 5.29% / low 5.19% Oct 29, 20265.29%▲ from 5.19% Sep 21, 20265.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	5.74%	84 months
Details Range of Rates: 5.74% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 5.69% → 5.74% ▲ 0.05 pts · high 5.74% / low 5.69% Oct 29, 20265.74%▲ from 5.69% Sep 21, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	6.09%	84 months
Details Range of Rates: 6.09% - 18.00% APR Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 5.99% → 6.09% ▲ 0.10 pts · high 6.09% / low 5.99% Oct 29, 20266.09%▲ from 5.99% Sep 21, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Higher Education Loan (For Master's and Doctorate Programs)	-	-	9.00%	120 months
Details Variable Rate; Maximum Loan Amount: Up to $50,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Credit Card Rates

Product	Rate	APR
School Employee Mastercard	-	10.25%
Details Published APR range: 10.25% - 17.90%. Range of rates; Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 10.25% ▲ 0.25 pts · high 10.25% / low 10.00% Sep 21, 202610.25%▲ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Inspire Mastercard	-	12.25%
Details Published APR range: 12.25% - 17.90%. Range of rates; Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 12.25% ▲ 0.25 pts · high 12.25% / low 12.00% Sep 21, 202612.25%▲ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Rewards Mastercard	-	13.50%
Details Published APR range: 13.50% - 17.90%. Range of rates; Maximum Loan Amount: Up to $35,000.00; Monthly Payment: 2% of the statement balance or $25, whichever is greater; See Terms and Conditions Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25% Sep 21, 202613.50%▲ from 13.25% Sep 14, 202613.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Personal Loan Rates

Product	APR	Term
STRS/PERS Retirement Credit Personal Loan 60 months	7.40%	60 months
Details Maximum loan amount up to $25,000 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 7.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Personal Loan	7.99%
Details Range of rates: 7.99% - 18.00% APR; Maximum loan amount: $50,000.00; Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

SchoolsFirst Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer Loan	-	-	5.00%	24 months
Details Maximum Loan Amount: $2,500.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
First-Time Home Buyer: Conforming - 30 Year Loan	7.25%	0.000	7.63%	30 Year
Details Par option. Other point options: 7.000% rate, 7.48% APR, 1.000 points; 7.500% rate, 7.88% APR, -1.000 points Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 7.24% → 7.63% ▲ 0.39 pts · high 7.75% / low 7.24% Oct 23, 20267.63%▼ from 7.75% Oct 5, 20267.75%▲ from 7.63% Sep 29, 20267.63%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
First-Time Home Buyer: Conforming, High-Cost Area - 30 Year Loan	7.375%	0.000	7.74%	30 Year
Details Par option of stacked points; alternatives 7.625% / 7.99% APR at -1.000 points and 7.125% / 7.59% APR at 1.000 points; Estimated Payment Per $1,000 Borrowed at par: $6.91 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 7.61% → 7.74% ▲ 0.13 pts · high 7.74% / low 7.61% Oct 2, 20267.74%▲ from 7.61% Sep 29, 20267.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Properties - 15 Year Loan	7.00%	0.000	7.11%	15 Year
Details Par option of point stack; estimated payment per $1,000 borrowed: $8.99; alternatives: 6.875% / 7.07% APR at 0.500 points, 7.125% / 7.24% APR at -0.500 points Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.11% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Investment Properties - 30/15-Year Balloon Loan	7.875%	0.000	7.96%	30/15-Year Balloon
Details Par option of point stack; estimated payment per $1,000 borrowed: $7.25; alternatives: 7.750% / 7.90% APR at 0.500 points, 8.000% / 8.08% APR at -0.500 points Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Special Curriculum Loan	-	-	5.00%	60 months
Details Maximum Loan Amount: Up to $15,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Special Curriculum Loan	-	-	9.00%	180 months
Details Term: 180 months (Interest only for 60 months, then amortized for up to 120 months); Variable Rate; Maximum Loan Amount: Up to $50,000.00 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 18, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12-Month Coverdell Education Savings Account	4.11%	-	4.20%	12 months
Min Deposit $100 Min Balance $100 Details The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 29, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Accumulation IRA	0.99%	-	1.00%
Min Deposit $10 Details Variable rate account; rate subject to change after the account is opened. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
My Club Account	0.99%	-	1.00%	6 to 18 months
Details No minimum opening deposit required; initial maturity 6 to 18 months, matures on same day of same month each year thereafter; variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
My Home Savings Share	4.16%	-	4.25%	12 months
Min Deposit $250 Min Balance $250 Details Fixed rate share certificate; limited to Members buying a home and participating in SchoolsFirst FCU Home360; limit one per membership; additional deposits allowed to maximum balance of $150,000; partial withdrawals not permitted Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05% Sep 29, 20264.25%▲ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Paycheck Planner	5.83%	-	6.00%
Details Limit one per school district payroll; variable rate certificate, subject to change after account opening; deposit a set percentage of payroll direct deposit only; one additional deposit per term, up to $3,000 in person, by phone or by chat Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SchoolsFirst Federal Credit Union’s Texas Ratio rose from 3.87% in Q3 2023 to 5.56% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$37.2B	5.56%	5.0	A+
March 31, 2026	$36.7B	5.40%	5.0	A+
December 31, 2025	$35.4B	5.95%	5.0	A+
September 30, 2025	$34.4B	5.36%	5.0	A+
June 30, 2025	$34.1B	4.73%	5.0	A+
March 31, 2025	$33.4B	4.73%	5.0	A+
December 31, 2024	$31.9B	5.29%	5.0	A+
September 30, 2024	$31.1B	5.03%	5.0	A+
June 30, 2024	$30.9B	4.49%	5.0	A+
March 31, 2024	$30.6B	4.40%	5.0	A+
December 31, 2023	$29.2B	4.59%	5.0	A+
September 30, 2023	$28.8B	3.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SchoolsFirst Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SchoolsFirst Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SchoolsFirst Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SchoolsFirst Federal Credit Union

Website https://www.schoolsfirstfcu.org

Address 15332 Newport Ave, Tustin, CA 92780

Phone 800-462-8328

Fax

President John Didion

CEO Bill Cheney

Full-Time Employees 2,826

Part-Time Employees 162

Branch Locations 73

ATM Locations 66

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.56%

Return on Assets (ROA)

0.4373%

Return on Equity (ROE)

4.6004%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

37,231,194,377

Total Amount of Shares and Deposits

31,997,793,234

Total Shares and Deposits < 1 Year

28,134,099,314

Total Shares and Deposits 1 3 Years

3,257,839,002

Total Shares and Deposits > 3 Years

605,854,918

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,583,856,165

Total Uninsured Shares and Deposits > $250K (F+J)

3,583,856,165

Total Insured Shares and Deposits > $250K (item 17 less item K)

28,413,937,069

Total Interest Expense (Sum of items 6 8)

368,829,391

Share Certificates

298,138

Number of Accounts for Share Drafts

1,342,768

IRA KEOGH Accounts

62,203

Number of Accounts for Regular Shares

2,222,436

Money Market Shares

141,474

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,560,015,682

Total Liabilities

33,680,927,540

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SchoolsFirst Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About SchoolsFirst Federal Credit Union

Does SchoolsFirst Federal Credit Union offer CDs?

Yes. SchoolsFirst Federal Credit Union current CD rates include its Deferred Compensation CD - 60 month at 4.50% APY, its Deferred Compensation CD - 36 month at 4.40% APY and its Deferred Compensation CD - 12 month at 4.35% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from SchoolsFirst Federal Credit Union NCUA insured?

Yes. SchoolsFirst Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at SchoolsFirst Federal Credit Union?

The highest SchoolsFirst Federal Credit Union CD rate is its Deferred Compensation CD - 60 month at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does SchoolsFirst Federal Credit Union offer?

SchoolsFirst Federal Credit Union CD rates are 4.35% APY for a 12 month CD, 3.95% APY for an 18 month CD, 4.30% APY for a 19 month CD, 4.00% APY for a 2 year CD, 4.40% APY for a 3 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SchoolsFirst Federal Credit Union for its full lineup.

What is the highest savings rate at SchoolsFirst Federal Credit Union?

The highest SchoolsFirst Federal Credit Union savings rate is its My Home Savings Share at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at SchoolsFirst Federal Credit Union?

The highest SchoolsFirst Federal Credit Union money market rate is its Liquid Advantage Money Market at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at SchoolsFirst Federal Credit Union?

The highest SchoolsFirst Federal Credit Union checking rate is its Investment Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at SchoolsFirst Federal Credit Union?

The lowest SchoolsFirst Federal Credit Union 30 year fixed mortgage rate is its Conforming Fixed-Rate Mortgage - 30 Year at 7.25%, verified by MonitorBankRates as of October 29, 2026. SchoolsFirst Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 6.50% for a 15 year mortgage, 6.375% for a 10 year mortgage, 5.875% for a 5/1 ARM, 6.00% for a 5/5 ARM, 6.125% for a 7/1 ARM and 6.375% for a 10/1 ARM.

What is the lowest auto loan rate at SchoolsFirst Federal Credit Union?

The lowest SchoolsFirst Federal Credit Union auto loan rate is its New Auto Loan at 4.69% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at SchoolsFirst Federal Credit Union?

The lowest SchoolsFirst Federal Credit Union personal loan rate is its STRS/PERS Retirement Credit Personal Loan 60 months at 7.40% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at SchoolsFirst Federal Credit Union?

The lowest SchoolsFirst Federal Credit Union credit card APR is its School Employee Mastercard Credit Card at 10.25% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does SchoolsFirst Federal Credit Union operate?

SchoolsFirst Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SchoolsFirst Federal Credit Union?

Yes, to access services at SchoolsFirst Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SchoolsFirst Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SchoolsFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SchoolsFirst Federal Credit Union offer online and mobile banking?

Most modern institutions like SchoolsFirst Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.schoolsfirstfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do SchoolsFirst Federal Credit Union rates compare?

SchoolsFirst Federal Credit Union's CD rates are 52% higher than the MonitorBankRates national average, and it has an A+ health rating. SchoolsFirst Federal Credit Union's top rates are its Deferred Compensation CD - 60 month at 4.50% APY, its My Home Savings Share at 4.25% APY, its Liquid Advantage Money Market at 1.00% APY, its Investment Checking at 0.10% APY, its Adjustable-Rate Mortgage - 5/1 ARM at 5.875%, its STRS/PERS Retirement Credit Personal Loan 60 months at 7.40% APR and its School Employee Mastercard Credit Card at 10.25% APR, verified by MonitorBankRates on October 29, 2026.

Current SchoolsFirst Federal Credit Union Rates

12-Month CD3.85%
18-Month CD3.95%
24-Month CD4.00%
60-Month CD4.00%
Savings4.25%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SchoolsFirst Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SchoolsFirst Federal Credit Union Texas Ratio

SchoolsFirst Federal Credit Union Health Trend

SchoolsFirst Federal Credit Union CD Rates

SchoolsFirst Federal Credit Union Savings Rates

SchoolsFirst Federal Credit Union Money Market Rates

SchoolsFirst Federal Credit Union Checking Rates

SchoolsFirst Federal Credit Union Mortgage Rates

SchoolsFirst Federal Credit Union Home Equity & HELOC

SchoolsFirst Federal Credit Union Auto Loan Rates

SchoolsFirst Federal Credit Union Student Loan Rates

SchoolsFirst Federal Credit Union Credit Card Rates

SchoolsFirst Federal Credit Union Personal Loan Rates

SchoolsFirst Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SchoolsFirst Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SchoolsFirst Federal Credit Union

Does SchoolsFirst Federal Credit Union offer CDs?

Are CDs from SchoolsFirst Federal Credit Union NCUA insured?

What is the highest CD rate at SchoolsFirst Federal Credit Union?

What CD terms does SchoolsFirst Federal Credit Union offer?

What is the highest savings rate at SchoolsFirst Federal Credit Union?

What is the highest money market rate at SchoolsFirst Federal Credit Union?

What is the highest checking rate at SchoolsFirst Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at SchoolsFirst Federal Credit Union?

What is the lowest auto loan rate at SchoolsFirst Federal Credit Union?

What is the lowest personal loan rate at SchoolsFirst Federal Credit Union?

What is the lowest credit card APR at SchoolsFirst Federal Credit Union?

How many branches does SchoolsFirst Federal Credit Union operate?

Is a member application needed to join SchoolsFirst Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SchoolsFirst Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do SchoolsFirst Federal Credit Union rates compare?

Current SchoolsFirst Federal Credit Union Rates

Compare to Other Credit Unions