What are the current interest rates at Schools Federal Credit Union?

Current rates for Schools Federal Credit Union include: 12-Month CD: 3.92%, 18-Month CD: 3.83%, 24-Month CD: 3.33%, 60-Month CD: 3.46%, Savings: 1.00%, MMA: 1.26%

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Schools Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Schools Federal Credit Union?

Yes, to access services at Schools 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Schools 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 12, 2026

Schools Federal Credit Union's top rates as of October 12, 2026 are 5.90% APY on its 12 Month Relationship CD, 1.00% APY on savings, 1.26% APY on money market accounts, 0.10% APY on checking, personal loans from 6.49% APR, and credit cards from 15.00% APR, according to rates verified by MonitorBankRates. Other Schools Federal Credit Union CD rates include 12 month Relationship CD (Promotional) at 5.90%, 12 Month Term CDs at 4.04%, and 12 month CD Accounts (CD, Traditional IRA, Roth IRA, Educational IRA) at 4.04%. MonitorBankRates evaluates the financial stability of Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.87%. Rates last updated and verified on 10/12/2026.

Schools 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 Schools Federal Credit Union? Share your experience about Schools Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Schools Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Schools Federal Credit Union
South Bay

20101 Hamilton Ave Ste 150
Torrance, CA 90502-1306

https://www.schoolsfcu.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.

Schools Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Relationship Certificate	5.75%	5.90%	12 months
Details Relationship Certificate(12 months)Terms Apply Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 month Relationship Certificate (Promotional)	5.75%	5.90%	12 Months
Details Requires $500 Share Savings, $500 Share Checking, $7,500 combined loan balance, e-Statements; max deposit $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 Month Term Certificates	3.97%	4.04%	12 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.97%	4.04%	12 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 12 month	3.97%	4.04%	12 Months
Details > $90,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
20 Month Promotional Certificates	3.93%	4.00%	20 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 Month Term Certificates	3.91%	3.98%	18 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
24 Month Term Certificates	3.91%	3.98%	24 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.91%	3.98%	18 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
24 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.91%	3.98%	24 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 18 month	3.91%	3.98%	18 Months
Details > $90,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 Month Term Certificates	3.85%	3.92%	12 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
12 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.85%	3.92%	12 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 12 month	3.85%	3.92%	12 Months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 4.04% → 3.92% ▼ 0.12 pts · high 4.04% / low 3.92% Oct 12, 20263.92%▼ from 4.04% Oct 4, 20264.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 Month Term Certificates	3.76%	3.83%	18 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
24 Month Term Certificates	3.76%	3.83%	24 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
18 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.76%	3.83%	18 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
24 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.76%	3.83%	24 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 18 month	3.76%	3.83%	18 Months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.98% → 3.83% ▼ 0.15 pts · high 3.98% / low 3.83% Oct 12, 20263.83%▼ from 3.98% Oct 4, 20263.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
36 Month Term Certificates	3.60%	3.66%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
48 Month Term Certificates	3.60%	3.66%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
36 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.60%	3.66%	36 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
48 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.60%	3.66%	48 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
60 Month Term Certificates	3.55%	3.61%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
60 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.55%	3.61%	60 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 60 month	3.55%	3.61%	60 Months
Details > $90,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
36 Month Term Certificates	3.51%	3.57%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.57% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
48 Month Term Certificates	3.51%	3.57%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.57% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
36 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.51%	3.57%	36 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.57% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
48 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.51%	3.57%	48 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.57% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 24 month	3.50%	3.56%	24 Months
Details > $90,000 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.98% → 3.56% ▼ 0.42 pts · high 3.98% / low 3.56% Oct 12, 20263.56%▼ from 3.98% Oct 4, 20263.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
60 Month Term Certificates	3.41%	3.46%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.46% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
60 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.41%	3.46%	60 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.46% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 60 month	3.41%	3.46%	60 Months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.61% → 3.46% ▼ 0.15 pts · high 3.61% / low 3.46% Oct 12, 20263.46%▼ from 3.61% Oct 4, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 36 month	3.30%	3.35%	36 Months
Details > $90,000 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.66% → 3.35% ▼ 0.31 pts · high 3.66% / low 3.35% Oct 12, 20263.35%▼ from 3.66% Oct 4, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 48 month	3.30%	3.35%	48 Months
Details > $90,000 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.66% → 3.35% ▼ 0.31 pts · high 3.66% / low 3.35% Oct 12, 20263.35%▼ from 3.66% Oct 4, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 24 month	3.28%	3.33%	24 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.98% → 3.33% ▼ 0.65 pts · high 3.98% / low 3.33% Oct 12, 20263.33%▼ from 3.98% Oct 4, 20263.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 36 month	3.26%	3.31%	36 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.66% → 3.31% ▼ 0.35 pts · high 3.66% / low 3.31% Oct 12, 20263.31%▼ from 3.66% Oct 4, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 48 month	3.26%	3.31%	48 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.66% → 3.31% ▼ 0.35 pts · high 3.66% / low 3.31% Oct 12, 20263.31%▼ from 3.66% Oct 4, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 Month Term Certificates	3.19%	3.24%	6 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.19%	3.24%	6 Months
Min Deposit $90,000 Details Balance: >= $90,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 6 month	3.19%	3.24%	6 Months
Details > $90,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.24% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 Month Term Certificates	3.09%	3.14%	6 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
6 month Certificate Accounts (Term Share, Traditional IRA, Roth IRA, Educational IRA)	3.09%	3.13%	6 Months
Min Deposit $500 Details Balance: $500 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Traditional Certificates - 6 month	3.09%	3.13%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 3.24% → 3.13% ▼ 0.11 pts · high 3.24% / low 3.13% Oct 12, 20263.13%▼ from 3.24% Oct 4, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Savings Rates

Product	Rate	APY
Teen Savings	1.00%	1.00%
Min Deposit $10 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings (Regular Shares / Christmas Club / You Name It)	0.10%	0.10%
Details Balance: >= $10,000; product names inferred from layout (names printed beside tier rows) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Christmas Club	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Savings (Regular Shares / Christmas Club / You Name It)	0.05%	0.05%
Details Balance: $2,500 - $9,999; product names inferred from layout (names printed beside tier rows) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	1.25%	1.26%
Details Balance: >= $50,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Premium Money Market	1.00%	1.00%
Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market	0.90%	0.90%
Min Balance $10,000 Details Balance: $10,000-24,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market	0.80%	0.80%
Min Balance $0 Details Balance: $0-2,499 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Money Market	0.80%	0.80%
Min Balance $2,500 Details Balance: $2,500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Premium Money Market	0.80%	0.80%
Details Balance: < $2,499 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Checking Rates

Product	Rate	APY
Interest Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: >= $10,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	4.99%	240 months
Details Intro rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.69%	36 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	4.69%	36 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	4.69%	36 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Auto Loan	-	-	4.84%	48 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	4.84%	48 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.84% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	4.84%	48 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Auto Loan	-	-	4.94%	60 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	4.94%	60 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	4.94%	60 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Auto Loan	-	-	5.09%	72 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	5.09%	72 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.09% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	5.09%	72 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New 1st Time Car Buyer Loan	-	-	5.49%	36 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used 1st Time Car Buyer Loan	-	-	5.49%	36 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Auto Loan	-	-	5.94%	84 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	5.94%	84 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	5.94%	84 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Auto Loan	-	-	6.34%	96 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used Auto	-	-	6.34%	96 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Vehicle Loan (100% Financing, New/Used)	-	-	6.34%	96 months
Details Includes -0.25% direct deposit and -0.25% auto pay discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New 1st Time Car Buyer Loan	-	-	7.44%	48 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used 1st Time Car Buyer Loan	-	-	7.44%	48 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New 1st Time Car Buyer Loan	-	-	7.94%	60 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used 1st Time Car Buyer Loan	-	-	7.94%	60 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New 1st Time Car Buyer Loan	-	-	7.99%	72 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Used 1st Time Car Buyer Loan	-	-	7.99%	72 Months
Details Advertised rates include the following discounts: 0.25% for direct deposit; 0.25% with auto-pay. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle (new) 85% LTV Loan	-	6.50%	48 Months
Details Additional APR listed for this product: 7.75%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Motorcycle Loan (New/Used)	-	7.00%	48 months
Details Includes -0.25% auto pay and -0.25% direct deposit discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Motorcycle - 85% LTV Loan	-	7.00%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Motorcycle Loan (New/Used)	-	7.50%	60 months
Details Includes -0.25% auto pay and -0.25% direct deposit discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Motorcycle - 85% LTV Loan	-	7.50%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Recreational Vehicle (new) 85% LTV Loan	-	7.50%	60 Months
Details Additional APR listed for this product: 8.75%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Motorcycle Loan (New/Used)	-	8.00%	72 months
Details Includes -0.25% auto pay and -0.25% direct deposit discounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
New Motorcycle - 85% LTV Loan	-	8.00%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Recreational Vehicle (new) 85% LTV Loan	-	8.50%	72 Months
Details Additional APR listed for this product: 9.75%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Recreational Vehicle (new) 85% LTV Loan	-	9.50%	84-120 Months
Details Additional APR listed for this product: 10.75%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card - Secured Revolving (Balance Transfer Promo)	-	6.49%
Details Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Credit Card - Unsecured Revolving (Balance Transfer Promo)	-	6.49%
Details Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Student Visa	-	15.00%
Details Disclosure Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 15.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Secured Credit Card	-	18.00%
Details Disclosure Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Personal Loan Rates

Product	APR	Term
Credit Card - Unsecured Revolving (Balance Transfer Promo)	6.49%
Details Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Bill Buster (Consolidation)	8.49%	12 months
Details Max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	8.49%	12 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	9.30%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Personal Line of Credit	9.90%	Revolving
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	10.05%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	11.30%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	12.30%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Signature/Debt Consolidation Loan	13.30%	72 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

Schools Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bill Buster	-	-	13.30%	72 months
Details Max unsecured balance $30,000; product label inferred from layout Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Bill Buster (Cash)	-	-	9.30%	24 months
Details Max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Bill Buster (Holiday)	-	-	12.30%	60 months
Details Max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Bill Buster (Special Occasion)	-	-	11.30%	48 months
Details Max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Bill Buster (Vacation)	-	-	10.05%	36 months
Details Max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Career Enhancement Loan	-	-	5.90%	12 - 60 months
Details Borrow up to $10,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Career Enhancement Loan	-	-	5.90%	12-60 months
Details Qualified school district employees Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Everyday Loan	-	-	28.00%	6 months
Details $20 processing fee Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Everyday Loan	-	-	28.00%	6 months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Line of Credit	-	-	12.90%
Details Revolving; max unsecured balance $30,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Relocation Loan	-	-	5.90%	12 - 36 months
Details Borrow up to $5,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Relocation Loan	-	-	5.90%	12-36 months
Details Qualified school district employees Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Student Book Loan	-	-	7.00%	12 months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Teacher's Line of Credit	-	-	5.90%	Revolving
Details Limit of up to $2,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Technology Loan	-	-	1.00%	24 months
Details Qualified school district employees Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Tuition Loan	-	-	6.75%	12 months
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Coverdell Education Savings Account	3.00%	-	3.034%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Coverdell Savings	3.00%	-	3.034%
Min Balance $50 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Coverdell Savings	3.00%	-	3.03%
Details Minimum balance $0; max annual contribution $2,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
IRA Accumulation	0.15%	-	0.15%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Promotional Certificate	3.93%	-	4.00%	20 Months
Details Product name inferred from layout (row under Relationship Certificate in Promotional Certificate table) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Retirement Accounts	0.15%	-	0.15%
Min Deposit $100 Details Minimum balance >= $100 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
Summer Safeguard	6.44%	-	6.60%
Details Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%
You Name It	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.87%

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

Schools Federal Credit Union’s Texas Ratio fell from 2.63% in Q3 2023 to 1.87% in Q2 2026, so its financial health has stayed very strong 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	$196M	1.87%	5.0	A+
March 31, 2026	$193M	1.69%	5.0	A+
December 31, 2025	$190M	1.43%	5.0	A+
September 30, 2025	$190M	1.27%	5.0	A+
June 30, 2025	$188M	1.33%	5.0	A+
March 31, 2025	$186M	1.52%	5.0	A+
December 31, 2024	$179M	1.19%	5.0	A+
September 30, 2024	$177M	1.26%	5.0	A+
June 30, 2024	$179M	1.76%	5.0	A+
March 31, 2024	$181M	1.10%	5.0	A+
December 31, 2023	$175M	1.66%	5.0	A+
September 30, 2023	$178M	2.63%	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 Schools 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 Schools 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 Schools Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Schools Federal Credit Union

Website https://www.schoolsfcu.org

Address 20101 Hamilton Ave Ste 150, Torrance, CA 90502-1306

Phone 310-632-0100

Fax 310-632-6110

President Gayle Ball

CEO Carlos Garrido

Full-Time Employees 33

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.87%

Return on Assets (ROA)

0.2372%

Return on Equity (ROE)

1.9922%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

195,703,776

Total Amount of Shares and Deposits

170,456,713

Total Shares and Deposits < 1 Year

164,411,109

Total Shares and Deposits 1 3 Years

5,214,422

Total Shares and Deposits > 3 Years

831,183

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

14,275,997

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

14,275,997

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

156,180,716

Total Interest Expense (Sum of items 6 8)

865,642

Share Certificates

819

Number of Accounts for Share Drafts

11,753

IRA KEOGH Accounts

467

Number of Accounts for Regular Shares

20,166

All other shares

2,845

Money Market Shares

1,202

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)

5,997,440

Total Liabilities

172,402,466

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Schools Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Schools Federal Credit Union

How many branches does Schools Federal Credit Union operate?

Schools 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 Schools Federal Credit Union?

Yes, to access services at Schools 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, Schools 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, Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Schools Federal Credit Union offer online and mobile banking?

Most modern institutions like Schools 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.schoolsfcu.org.

Current Schools Federal Credit Union Rates

12-Month CD3.92%
18-Month CD3.83%
24-Month CD3.33%
60-Month CD3.46%
Savings1.00%
MMA1.26%

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

Compare to Other Credit Unions

Schools Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Schools Federal Credit Union Texas Ratio

Schools Federal Credit Union Health Trend

Schools Federal Credit Union CD Rates

Schools Federal Credit Union Savings Rates

Schools Federal Credit Union Money Market Rates

Schools Federal Credit Union Checking Rates

Schools Federal Credit Union Home Equity & HELOC

Schools Federal Credit Union Auto Loan Rates

Schools Federal Credit Union RV, Boat and Powersport Loan Rates

Schools Federal Credit Union Credit Card Rates

Schools Federal Credit Union Personal Loan Rates

Schools Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Schools Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Schools Federal Credit Union

How many branches does Schools Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Schools Federal Credit Union offer online and mobile banking?

Current Schools Federal Credit Union Rates

Compare to Other Credit Unions