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%

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SchoolsFirst Federal Credit Union

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SchoolsFirst Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

SchoolsFirst Federal Credit Union's top rates as of October 9, 2026 are 4.50% APY on its 60 Month Deferred Compensation CD, 4.25% APY on savings, 1.00% APY on money market accounts, 0.10% APY on checking, 5.88% on its Adjustable-Rate Mortgages (ARM) - 5/1 ARM, personal loans from 7.40% APR, and credit cards from 10.25% APR, according to rates verified by MonitorBankRates. Other SchoolsFirst Federal Credit Union CD rates include 19 Month Promotional IRA CD at 4.40%, 36 Month Deferred Compensation CD at 4.40%, and 60 Month IRA CDs at 4.40%. Other SchoolsFirst Federal Credit Union mortgage rates include Fixed-Rate Mortgages: Conforming - 10 Year at 6.38%, Fixed-Rate Mortgages: Conforming - 15 Year at 6.25%, and Fixed-Rate Mortgages: Conforming - 15 Year at 6.50%. 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 10/09/2026.

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 Q2 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
60 Month Deferred Compensation Certificate	4.40%	4.50%	60 months
Min Deposit $50 Details payroll deposit only Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19 Month Promotional IRA Share Certificate	4.31%	4.40%	19-Month
Min Balance $500 Details Promotional IRA Share Certificate Last Updated 10/09/2026 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%
36 Month Deferred Compensation Certificate	4.31%	4.40%	36 months
Min Deposit $50 Details payroll deposit only Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificates	4.31%	4.40%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.31%	4.40%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 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%
12 Month Deferred Compensation Certificate	4.26%	4.35%	12 months
Min Deposit $50 Details payroll deposit only Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificates	4.26%	4.35%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.26%	4.35%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20% Sep 29, 20264.35%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificates	4.21%	4.30%	18-23 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY 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 Deposit $500 Min Balance $500 Last Updated 10/09/2026 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 Certificates	4.21%	4.30%	24-35 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificates	4.21%	4.30%	36-47 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificates	4.21%	4.30%	48-59 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificates	4.21%	4.30%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.30% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.21%	4.30%	18-23 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.21%	4.30%	24-35 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.21%	4.30%	36-47 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.21%	4.30%	48-59 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.21%	4.30%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20% Sep 29, 20264.30%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificates	4.16%	4.25%	12-17 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificates	4.16%	4.25%	18-23 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 - 35 Month IRA Certificates	4.16%	4.25%	24-35 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 - 47 Month IRA Certificates	4.16%	4.25%	36-47 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 - 59 Month IRA Certificates	4.16%	4.25%	48-59 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month IRA Certificates	4.16%	4.25%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	4.16%	4.25%	12-17 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.16%	4.25%	18-23 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.16%	4.25%	24-35 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.16%	4.25%	36-47 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.16%	4.25%	48-59 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.16%	4.25%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20% Sep 29, 20264.25%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificates	4.11%	4.20%	12-17 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 - 23 Month IRA Certificates	4.11%	4.20%	18-23 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 10/09/2026 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 Certificates	4.11%	4.20%	24-35 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 10/09/2026 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 Certificates	4.11%	4.20%	36-47 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 10/09/2026 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 Certificates	4.11%	4.20%	48-59 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 10/09/2026 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-Month
Min Balance $500 Details Promotional IRA Share Certificate Last Updated 10/09/2026 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 Certificates	4.11%	4.20%	60 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	4.11%	4.20%	12-17 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.11%	4.20%	18-23 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.11%	4.20%	24-35 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.11%	4.20%	36-47 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.11%	4.20%	48-59 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.11%	4.20%	60 Months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificates	4.07%	4.15%	12-17 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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 Certificates	4.07%	4.15%	18-23 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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 Certificates	4.07%	4.15%	24-35 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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 Certificates	4.07%	4.15%	36-47 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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 Certificates	4.07%	4.15%	48-59 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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 Certificates	4.07%	4.15%	6-11 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	4.07%	4.15%	12-17 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.07%	4.15%	18-23 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.07%	4.15%	24-35 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.07%	4.15%	36-47 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.07%	4.15%	48-59 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	4.07%	4.15%	6-11 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificates	4.02%	4.10%	12-17 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 10/09/2026 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 Certificates	4.02%	4.10%	18-23 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 10/09/2026 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 Certificates	4.02%	4.10%	24-35 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 10/09/2026 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 Certificates	4.02%	4.10%	36-47 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 10/09/2026 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 Certificates	4.02%	4.10%	48-59 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 10/09/2026 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 Certificates	4.02%	4.10%	6-11 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY 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 Deposit $500 Min Balance $500 Details Additional deposits up to the initial opening deposit amount can be made at any time without penalty. Last Updated 10/09/2026 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 Last Updated 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	4.02%	4.10%	12-17 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.02%	4.10%	18-23 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.02%	4.10%	24-35 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.02%	4.10%	36-47 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.02%	4.10%	48-59 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	4.02%	4.10%	6-11 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 - 17 Month IRA Certificates	3.97%	4.05%	12-17 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY 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 10/09/2026 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 10/09/2026 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 10/09/2026 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 10/09/2026 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 10/09/2026 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 10/09/2026 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 Certificates	3.97%	4.05%	6-11 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.97%	4.05%	12-17 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.97%	4.05%	6-11 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.05% APY · checked 2 times 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 10/09/2026 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 Last Updated 10/09/2026 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 Last Updated 10/09/2026 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 Last Updated 10/09/2026 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 Last Updated 10/09/2026 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 Certificates	3.92%	4.00%	6-11 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.92%	4.00%	6-11 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times 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 Last Updated 10/09/2026 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 Certificates	3.87%	3.95%	6-11 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.87%	3.95%	6-11 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.95% APY · checked 2 times 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 10/09/2026 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 Certificates	3.78%	3.85%	3-5 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY 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 Last Updated 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.78%	3.85%	3-5 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificates	3.73%	3.80%	3-5 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.73%	3.80%	3-5 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificates	3.68%	3.75%	3-5 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.68%	3.75%	3-5 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificates	3.63%	3.70%	3-5 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.70% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.63%	3.70%	3-5 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
3 - 5 Month IRA Certificates	3.58%	3.65%	3-5 Months
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.65% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.58%	3.65%	3-5 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times 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 10/09/2026 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 Last Updated 10/09/2026 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 Certificates	3.39%	3.45%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.39%	3.45%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Sep 29, 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 Certificates	3.34%	3.40%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.34%	3.40%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20% Sep 29, 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 Certificates	3.30%	3.35%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.35% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.30%	3.35%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 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%
Share Certificates - 30 days	3.30%	3.35%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 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 IRA Certificates	3.25%	3.30%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.30% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.25%	3.30%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 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%
Share Certificates - 30 days	3.25%	3.30%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 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 IRA Certificates	3.20%	3.25%	30 days
Min Balance $500 Details Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY 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 10/09/2026 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%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.20%	3.25%	30 days
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 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%
Share Certificates - 30 days	3.20%	3.25%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 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	3.15%	3.20%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance Last Updated 10/09/2026 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%
Share Certificates - 30 days	3.15%	3.20%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Sep 29, 20263.20%▲ from 3.00% Sep 14, 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 Last Updated 10/09/2026 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%
Share Certificates - 30 days	3.10%	3.15%	30 days
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.15% ▲ 0.20 pts · high 3.15% / low 2.95% Sep 29, 20263.15%▲ from 2.95% Sep 14, 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%
Min Deposit $1 Details Limit one per Membership. Variable rate account, subject to change after account opening. Maximum $2,000 per month. Make one catch-up deposit per term, up to $3,000 in person, by phone or by chat. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 7 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Dividend rate and APY apply to entire balance in account. 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 10/09/2026 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%
Liquid Advantage Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Dividend rate and APY apply to entire balance in account. 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 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 Dividend rate and APY apply to entire balance in account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Dividend rate and APY apply to entire balance in account. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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
Fixed-Rate Mortgages: Conforming - 10 Year	6.375%	0.000	6.45%	10 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.07% → 6.45% ▲ 0.38 pts · high 6.45% / low 6.07% Sep 29, 20266.45%▲ from 6.32% Sep 25, 20266.32%▲ from 6.20% Sep 17, 20266.20%▲ from 6.07% Sep 14, 20266.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 15 Year	6.25%	1.000	6.52%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.27% → 6.52% ▲ 0.25 pts · high 6.52% / low 6.27% Oct 9, 20266.52%▲ from 6.33% Sep 25, 20266.33%▲ from 6.27% Sep 18, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 15 Year	6.50%	0.000	6.55%	15 Year
Details Additional APR listed for this product: 6.61%. Last Updated 10/09/2026 Rate History 6 changes since Sep 14, 2026 · 6.23% → 6.55% ▲ 0.32 pts · high 6.61% / low 6.23% Oct 9, 20266.55%▼ from 6.61% Oct 5, 20266.61%▲ from 6.55% Sep 29, 20266.55%▲ from 6.43% Sep 25, 20266.43%▲ from 6.36% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 7/1 ARM	6.125%	0.000	6.69%	7/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 6.51% → 6.69% ▲ 0.18 pts · high 6.69% / low 6.51% Oct 2, 20266.69%▲ from 6.51% Sep 21, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 10/1 ARM	6.375%	0.000	6.70%	10/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 6.53% → 6.70% ▲ 0.17 pts · high 6.70% / low 6.53% Oct 2, 20266.70%▲ from 6.53% Sep 21, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 5/1 ARM	5.875%	0.000	6.73%	5/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 6.53% → 6.73% ▲ 0.20 pts · high 6.73% / low 6.53% Oct 2, 20266.73%▲ from 6.53% Sep 21, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 10/1 ARM	6.375%	0.000	6.73%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.24 (1st 120 payments) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 7/1 ARM	6.125%	0.000	6.73%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.08 (1st 84 payments) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 5/1 ARM	5.875%	0.000	6.76%
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $5.92 (1st 60 payments) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.76% APR 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%	7/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.16 (1st 84 payments) Last Updated 10/09/2026 Rate History 5 changes since Sep 18, 2026 · 6.61% → 6.76% ▲ 0.15 pts · high 6.79% / low 6.61% Oct 9, 20266.76%▼ from 6.79% Oct 5, 20266.79%▲ from 6.76% Oct 2, 20266.76%▲ from 6.73% Sep 29, 20266.73%▲ from 6.67% 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%	10/1 ARM
Details Margin: 2.500%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.32 (1st 120 payments) Last Updated 10/09/2026 Rate History 5 changes since Sep 18, 2026 · 6.65% → 6.78% ▲ 0.13 pts · high 6.82% / low 6.65% Oct 9, 20266.78%▼ from 6.82% Oct 5, 20266.82%▲ from 6.78% Oct 2, 20266.78%▲ from 6.77% Sep 29, 20266.77%▲ from 6.69% 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%	5/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520%; Estimated Payment Per $1,000 Borrowed: $6.00 (1st 60 payments) Last Updated 10/09/2026 Rate History 5 changes since Sep 18, 2026 · 6.62% → 6.78% ▲ 0.16 pts · high 6.81% / low 6.62% Oct 9, 20266.78%▼ from 6.81% Oct 5, 20266.81%▲ from 6.78% Oct 2, 20266.78%▲ from 6.74% Sep 29, 20266.74%▲ from 6.69% 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%	7/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 6.61% → 6.79% ▲ 0.18 pts · high 6.79% / low 6.61% Oct 5, 20266.79%▲ from 6.76% Oct 2, 20266.76%▲ from 6.73% Sep 29, 20266.73%▲ from 6.67% Sep 25, 20266.67%▲ from 6.61% 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%	5/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 6.62% → 6.81% ▲ 0.19 pts · high 6.81% / low 6.62% Oct 5, 20266.81%▲ from 6.78% Oct 2, 20266.78%▲ from 6.74% Sep 29, 20266.74%▲ from 6.69% Sep 25, 20266.69%▲ from 6.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Jumbo - 15 Year (Loan Amounts: See Below)	6.75%	0.000	6.82%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.82% APR · checked 2 times 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%	10/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.520% Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 6.65% → 6.82% ▲ 0.17 pts · high 6.82% / low 6.65% Oct 5, 20266.82%▲ from 6.78% Oct 2, 20266.78%▲ from 6.77% Sep 29, 20266.77%▲ from 6.69% Sep 25, 20266.69%▲ from 6.65% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages (ARM) - 5/5 ARM	6.00%	0.000	6.85%	5/5 ARM
Details Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.060% Last Updated 10/09/2026 Rate History 2 changes since Sep 21, 2026 · 6.58% → 6.85% ▲ 0.27 pts · high 6.85% / low 6.58% Oct 9, 20266.85%▲ from 6.78% Oct 2, 20266.78%▲ from 6.58% Sep 21, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 15 Year	6.75%	-1.000	6.86%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.61% → 6.86% ▲ 0.25 pts · high 6.86% / low 6.61% Oct 9, 20266.86%▲ from 6.68% Sep 25, 20266.68%▲ from 6.61% Sep 18, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Adjustable-Rate Mortgages - 5/5 ARM (Rate adjusts every 5 years)	6.00%	0.000	6.89%
Details Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.060%; Estimated Payment Per $1,000 Borrowed: $6.00 (1st 60 payments) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Jumbo - 15 Year (Loan Amounts: See Below)	6.875%	0.000	6.90%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.90% APR · checked 2 times 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	6.90%	5 years
Details Term: 5/5 ARM (Rate adjusts every 5 years); Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.060%; Estimated Payment Per $1,000 Borrowed: $6.08 (1st 60 payments) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.90% APR 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	6.93%	5/5 ARM
Details Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 5.060% Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 6.86% → 6.93% ▲ 0.07 pts · high 6.93% / low 6.86% Oct 9, 20266.93%▲ from 6.86% Oct 5, 20266.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
15 Year Fixed-Rate Mortgage	6.875%	0.000	6.96%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $8.92 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.57% → 6.96% ▲ 0.39 pts · high 6.96% / low 6.57% Oct 9, 20266.96%▲ from 6.57% Sep 18, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.875%	0.500	7.01%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.07% / low 6.76% Oct 9, 20267.01%▼ from 7.07% Sep 29, 20267.07%▲ from 6.88% Sep 25, 20266.88%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
15 Year Fixed-Rate Mortgage	7.00%	0.000	7.03%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $8.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.57% → 7.03% ▲ 0.46 pts · high 7.03% / low 6.57% Oct 9, 20267.03%▲ from 6.57% Sep 18, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	7.00%	0.000	7.05%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.05% / low 6.80% Sep 29, 20267.05%▲ from 6.93% Sep 25, 20266.93%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.875%	0.500	7.07%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $8.92 Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.76% → 7.07% ▲ 0.31 pts · high 7.07% / low 6.76% Sep 29, 20267.07%▲ from 6.88% Sep 25, 20266.88%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	7.00%	0.000	7.11%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $8.99 Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 6.80% → 7.11% ▲ 0.31 pts · high 7.11% / low 6.80% Oct 9, 20267.11%▲ from 7.05% Sep 29, 20267.05%▲ from 6.93% Sep 25, 20266.93%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 15 Year	6.25%	1.000	7.17%	15 Year
Details Regular APR: 7.26% - 7.51% Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.85% → 7.17% ▲ 0.32 pts · high 7.17% / low 6.85% Oct 9, 20267.17%▲ from 6.92% Sep 21, 20266.92%▲ from 6.85% Sep 18, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	7.125%	-0.500	7.18%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 6.93% → 7.18% ▲ 0.25 pts · high 7.24% / low 6.93% Oct 9, 20267.18%▼ from 7.24% Sep 29, 20267.24%▲ from 7.05% Sep 25, 20267.05%▲ from 6.93% Sep 18, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA - Fixed-Rate Mortgages - 15 Year	6.50%	0.000	7.19%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $8.93 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 19.99% → 7.19% ▼ 12.80 pts · high 19.99% / low 7.01% Sep 29, 20267.19%▲ from 7.14% Sep 25, 20267.14%▲ from 7.01% Sep 17, 20267.01%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 15 Year	7.125%	-0.500	7.24%	15 Year
Details Estimated Payment Per $1,000 Borrowed: $9.06 Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.93% → 7.24% ▲ 0.31 pts · high 7.24% / low 6.93% Sep 29, 20267.24%▲ from 7.05% Sep 25, 20267.05%▲ from 6.93% Sep 18, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 15 Year	6.50%	0.000	7.26%	15 Year
Details Regular APR: 7.17% - 7.51% Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 19.99% → 7.26% ▼ 12.73 pts · high 19.99% / low 7.01% Oct 9, 20267.26%▲ from 7.19% Sep 29, 20267.19%▲ from 7.14% Sep 25, 20267.14%▲ from 7.01% Sep 17, 20267.01%▼ from 19.99% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 30 Year	7.125%	1.000	7.30%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 6.92% → 7.30% ▲ 0.38 pts · high 7.30% / low 6.92% Oct 9, 20267.30%▲ from 7.01% Sep 25, 20267.01%▲ from 6.92% Sep 18, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Jumbo - 30 Year (Loan Amounts: See Below)	7.375%	0.000	7.39%	30 Year
Details Additional APR listed for this product: 7.42%. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Conforming - 30 Year	7.375%	0.000	7.41%	30 Year
Details Additional APR listed for this product: 7.45%. Last Updated 10/09/2026 Rate History 7 changes since Sep 14, 2026 · 6.94% → 7.41% ▲ 0.47 pts · high 7.45% / low 6.94% Oct 9, 20267.41%▼ from 7.45% Oct 5, 20267.45%▲ from 7.41% Oct 2, 20267.41%▲ from 7.28% Sep 29, 20267.28%▲ from 7.16% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming - 30 Year	7.25%	1.000	7.41%	30 years
Details Program: 30 Year Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.41% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 15 Year	6.75%	-1.000	7.51%	15 Year
Details Regular APR: 7.17% - 7.26% Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.19% → 7.51% ▲ 0.32 pts · high 7.51% / low 7.19% Oct 9, 20267.51%▲ from 7.26% Sep 21, 20267.26%▲ from 7.19% Sep 18, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Year Fixed-Rate Mortgage	7.50%	0.000	7.52%	30 Year
Details Additional APR listed for this product: 7.55%. Estimated Payment Per $1,000 Borrowed: $6.99 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.04% → 7.52% ▲ 0.48 pts · high 7.52% / low 7.04% Oct 9, 20267.52%▲ from 7.04% Sep 18, 20267.04%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 years
No additional details. Last Updated 10/09/2026 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%
Fixed-Rate Mortgages: Conforming - 30 Year	7.625%	-1.000	7.70%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.32% → 7.70% ▲ 0.38 pts · high 7.70% / low 7.32% Oct 9, 20267.70%▲ from 7.41% Sep 25, 20267.41%▲ from 7.32% Sep 18, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.875%	0.500	7.98%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 7.60% → 7.98% ▲ 0.38 pts · high 8.02% / low 7.60% Oct 9, 20267.98%▼ from 8.02% Oct 5, 20268.02%▲ from 7.90% Sep 29, 20267.90%▲ from 7.72% Sep 25, 20267.72%▲ from 7.60% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 30 Year	7.125%	1.000	8.01%	30 Year
Details Regular APR: 8.16% - 8.41% Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.58% → 8.01% ▲ 0.43 pts · high 8.01% / low 7.58% Oct 9, 20268.01%▲ from 7.63% Sep 21, 20267.63%▲ from 7.58% Sep 18, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.875%	0.500	8.02%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Estimated Payment Per $1,000 Borrowed: $7.25 Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 7.60% → 8.02% ▲ 0.42 pts · high 8.02% / low 7.60% Oct 5, 20268.02%▲ from 7.90% Sep 29, 20267.90%▲ from 7.72% Sep 25, 20267.72%▲ from 7.60% Sep 18, 20267.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	8.00%	0.000	8.04%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 7.66% → 8.04% ▲ 0.38 pts · high 8.04% / low 7.66% Oct 2, 20268.04%▲ from 7.91% Sep 29, 20267.91%▲ from 7.79% Sep 25, 20267.79%▲ from 7.66% Sep 18, 20267.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	8.00%	0.000	8.08%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Estimated Payment Per $1,000 Borrowed: $7.34 Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 7.66% → 8.08% ▲ 0.42 pts · high 8.08% / low 7.66% Oct 9, 20268.08%▲ from 8.04% Oct 2, 20268.04%▲ from 7.91% Sep 29, 20267.91%▲ from 7.79% Sep 25, 20267.79%▲ from 7.66% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA - Fixed-Rate Mortgages - 30 Year	7.375%	0.000	8.11%	30 Year
Details Estimated Payment Per $1,000 Borrowed: $7.29 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 19.99% → 8.11% ▼ 11.88 pts · high 19.99% / low 7.78% Oct 2, 20268.11%▲ from 8.03% Sep 29, 20268.03%▲ from 7.90% Sep 25, 20267.90%▲ from 7.78% Sep 17, 20267.78%▼ from 19.99% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 30 Year	7.375%	0.000	8.16%	30 Year
Details Regular APR: 8.01% - 8.41% Last Updated 10/09/2026 Rate History 5 changes since Sep 14, 2026 · 19.99% → 8.16% ▼ 11.83 pts · high 19.99% / low 7.78% Oct 9, 20268.16%▲ from 8.11% Oct 2, 20268.11%▲ from 8.03% Sep 29, 20268.03%▲ from 7.90% Sep 25, 20267.90%▲ from 7.78% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	8.125%	-0.500	8.16%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Last Updated 10/09/2026 Rate History 4 changes since Sep 18, 2026 · 7.79% → 8.16% ▲ 0.37 pts · high 8.21% / low 7.79% Oct 9, 20268.16%▼ from 8.21% Oct 5, 20268.21%▲ from 8.08% Sep 29, 20268.08%▲ from 7.91% Sep 25, 20267.91%▲ from 7.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	8.125%	-0.500	8.21%	30/15-Year Balloon
Details Based on a loan size of $1,000, with an interest rate of 7.500%, the estimated payoff after 15 years is $761.26. Estimated Payment Per $1,000 Borrowed: $7.42 Last Updated 10/09/2026 Rate History 3 changes since Sep 18, 2026 · 7.79% → 8.21% ▲ 0.42 pts · high 8.21% / low 7.79% Oct 5, 20268.21%▲ from 8.08% Sep 29, 20268.08%▲ from 7.91% Sep 25, 20267.91%▲ from 7.79% Sep 18, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
FHA Fixed-Rate Mortgages - 30 Year	7.625%	-1.000	8.41%	30 Year
Details Regular APR: 8.01% - 8.16% Last Updated 10/09/2026 Rate History 2 changes since Sep 18, 2026 · 7.98% → 8.41% ▲ 0.43 pts · high 8.41% / low 7.98% Oct 9, 20268.41%▲ from 8.03% Sep 21, 20268.03%▲ from 7.98% Sep 18, 20267.98%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	Term
10-Year Fixed Home Equity Loan	6.875%	-	6.875%	10 years
Details Published APR range: 6.875% - 10.125%; Published rate range: 6.875% - 10.125%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.88% ▲ 0.13 pts · high 6.88% / low 6.75% Sep 17, 20266.88%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Rate Advantage HELOC Fixed rate for five years, variable thereafter	-	-	7.00%
Details Published APR range: 7.000% - 10.500%. Margin: -0.500% - 3.000%; Maximum Loan: $500,000.00; Maximum CLTV: 80.00%; Estimated Payment Per $1,000 Borrowed: Interest only for first 10 years Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 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 Term: Fixed rate for five years, variable thereafter; Published APR range: 7.000% - 10.500%. Owner-occupied primary residences, from $10,000 to $500,000. Non-owner occupied properties, from $10,000 to $150,000. CLTV = Combined Loan-To-Value Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
15-Year Fixed Home Equity Loan	7.125%	-	7.125%	15 years
Details Published APR range: 7.125% - 10.375%; Published rate range: 7.125% - 10.375%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.13% ▲ 0.13 pts · high 7.13% / low 7.00% Sep 17, 20267.13%▲ from 7.00% Sep 14, 20267.00%first recorded 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%	30 Due in 20 years
Details Published APR range: 7.750% - 11.000%; Published rate range: 7.750% - 11.000%. Based on a loan size of $1,000 with an interest rate of 7.625%, estimated payoff after 20 years is $593.01 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR 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 & Used Auto Loans	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. Range of Rates - New; Estimated Payment per $100 Borrowed: $2.98 - $3.62 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. New; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. New; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. New; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New & Used Auto Loans	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Range of Rates - Used; Estimated Payment per $100 Borrowed: $2.98 - $3.62 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.59% → 4.99% ▲ 0.40 pts · high 4.99% / low 4.59% Oct 9, 20264.99%▲ from 4.59% Sep 17, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	4.99%	72 months
Details Published APR range: 4.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Used; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Used; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
School Employee Auto Loan with Summers Off	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Used; APR Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New & Used Auto Loans	-	-	5.19%	72 months
Details Published APR range: 5.19% - 18.00%. Range of Rates - Used; Estimated Payment per $100 Borrowed: $1.61 - $2.28 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.19% → 5.19% ▼ 0.00 pts · high 5.19% / low 4.99% Oct 9, 20265.19%▲ from 4.99% Sep 17, 20264.99%▼ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.19%	72 months
Details Published APR range: 5.19% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New & Used Auto Loans	-	-	5.69%	84 months
Details Published APR range: 5.69% - 18.00%. Range of Rates - New; Estimated Payment per $100 Borrowed: $1.45 - $2.10 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New Auto Loan	-	-	5.69%	84 months
Details Published APR range: 5.69% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
New & Used Auto Loans	-	-	5.99%	84 months
Details Published APR range: 5.99% - 18.00%. Range of Rates - Used; Estimated Payment per $100 Borrowed: $1.45 - $2.10 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.69% → 5.99% ▲ 0.30 pts · high 5.99% / low 5.69% Oct 9, 20265.99%▲ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loan	-	-	5.99%	84 months
Details Published APR range: 5.99% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.99% APR · checked 3 times 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	-	-	9.00%	120 months
Details Variable Rate Last Updated 10/09/2026 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%

SchoolsFirst Federal Credit Union Credit Card Rates

Product	Rate	APR
School Employee Mastercard	-	10.25%
Details Published APR range: 10.25% - 17.90%. See Terms and Conditions Last Updated 10/09/2026 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%. See Terms and Conditions Last Updated 10/09/2026 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%. See Terms and Conditions Last Updated 10/09/2026 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	7.40%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Personal Loan	7.99%	36-month
Details Published APR range: 7.99% - 18.00%. Estimated payment of $3.13 - $3.62 per $100 borrowed (based on a 36-month term) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR 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
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
First-Time Home Buyer: Conforming - 30 Year Loan	7.375%	0.000	7.75%	30 years
Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.24% → 7.75% ▲ 0.51 pts · high 7.75% / low 7.24% 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 years
Last Updated 10/09/2026 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%
Special Curriculum Loan	-	-	5.00%	60 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 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 Last Updated 10/09/2026 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 10/09/2026 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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 2 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 Select a 6 to 18 months initial maturity; Account matures on same day of same month each year thereafter. Variable rate account, subject to change after the account is opened. Last Updated 10/09/2026 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 Home Savings Share	4.16%	-	4.25%	12 months
Min Balance $250 Last Updated 10/09/2026 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. Make one additional deposit per term, up to $3,000 in person, by phone or by chat. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 12-17 Months	3.87%	-	3.95%	12-17 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 12-17 Months	3.92%	-	4.00%	12-17 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 12-17 Months	3.97%	-	4.05%	12-17 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 12-17 Months	4.02%	-	4.10%	12-17 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 12-17 Months	4.07%	-	4.15%	12-17 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 18-23 Months	3.92%	-	4.00%	18-23 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 18-23 Months	3.97%	-	4.05%	18-23 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 18-23 Months	4.02%	-	4.10%	18-23 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 18-23 Months	4.07%	-	4.15%	18-23 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 18-23 Months	4.11%	-	4.20%	18-23 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 24-35 Months	3.92%	-	4.00%	24-35 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 24-35 Months	3.97%	-	4.05%	24-35 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 24-35 Months	4.02%	-	4.10%	24-35 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 24-35 Months	4.07%	-	4.15%	24-35 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 24-35 Months	4.11%	-	4.20%	24-35 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 3-5 Months	3.49%	-	3.55%	3-5 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 3-5 Months	3.54%	-	3.60%	3-5 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 3-5 Months	3.58%	-	3.65%	3-5 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 3-5 Months	3.63%	-	3.70%	3-5 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 3-5 Months	3.68%	-	3.75%	3-5 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 36-47 Months	3.92%	-	4.00%	36-47 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 36-47 Months	3.97%	-	4.05%	36-47 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 36-47 Months	4.02%	-	4.10%	36-47 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 36-47 Months	4.07%	-	4.15%	36-47 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 36-47 Months	4.11%	-	4.20%	36-47 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 48-59 Months	3.92%	-	4.00%	48-59 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 48-59 Months	3.97%	-	4.05%	48-59 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 48-59 Months	4.02%	-	4.10%	48-59 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 48-59 Months	4.07%	-	4.15%	48-59 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 48-59 Months	4.11%	-	4.20%	48-59 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 6-11 Months	3.78%	-	3.85%	6-11 months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 6-11 Months	3.83%	-	3.90%	6-11 months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 6-11 Months	3.87%	-	3.95%	6-11 months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 6-11 Months	3.92%	-	4.00%	6-11 months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 6-11 Months	3.97%	-	4.05%	6-11 months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Share Certificates - 60 Months	4.02%	-	4.10%	60 Months
Min Balance $500 Details Balance: $500.00 - $19,999.99 Last Updated 10/09/2026 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%
Share Certificates - 60 Months	4.07%	-	4.15%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000.00 - $49,999.99 Last Updated 10/09/2026 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%
Share Certificates - 60 Months	4.11%	-	4.20%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 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%
Share Certificates - 60 Months	4.16%	-	4.25%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000.00 - $249,999.99 Last Updated 10/09/2026 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%
Share Certificates - 60 Months	4.21%	-	4.30%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000.00 and over Last Updated 10/09/2026 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%

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.
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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

Q2 2026 MBR Health & Safety Badge

SchoolsFirst Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About SchoolsFirst Federal Credit Union

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.

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.

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SchoolsFirst Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About 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?

Current SchoolsFirst Federal Credit Union Rates

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