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

Current rates for SchoolsFirst Federal Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.75%, 24-Month CD: 3.80%, 60-Month CD: 3.80%, Savings: 0.10%, MMA: 0.75%

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SchoolsFirst Federal Credit Union

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SchoolsFirst Federal Credit Union Rates & Review September 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: September 21, 2026

SchoolsFirst Federal Credit Union's 60 Month Deferred Compensation CDs rates are at 4.30%, 19-Month Promotional IRA CD rates are at 4.20%, 36 Month Deferred Compensation CDs rates are at 4.20%, 60 Month IRA CD (Jumbo) rates are at 4.20%, IRA CDs(Traditional and Roth IRA) - 60 month rates are at 4.20%. SchoolsFirst Federal Credit Union's savings rates are at 0.10%. SchoolsFirst Federal Credit Union's money market rates are at 0.75%. SchoolsFirst Federal Credit Union's Fixed-Rate Mortgages: Conforming - 10 Year rates are at 5.88%, Fixed-Rate Mortgages: Conforming - 10 Year rates are at 6.12%, Fixed-Rate Mortgages: Conforming - 15 Year rates are at 6.00%, Fixed-Rate Mortgages: Conforming - 15 Year rates are at 6.00%, Fixed-Rate Mortgages: Conforming - 15 Year rates are at 6.25%. SchoolsFirst Federal Credit Union's Personal Loan Rates are as low as 7.99%. SchoolsFirst Federal Credit Union's Credit Card Rates are at 10.25%. 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 5.40%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.40%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

SchoolsFirst Federal Credit Union
09 - CSUF Campus

800 N State College Blvd
Fullerton, CA 92831-3547

https://www.schoolsfirstfcu.org

SchoolsFirst Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Deferred Compensation Certificates	4.21%	4.30%	60 months
Min Deposit $50 Details payroll deposit only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
19-Month Promotional IRA Share Certificate	4.11%	4.20%	19 months
Min Balance $500 Details Term: 19-Month Promotional IRA Share Certificate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 Month Deferred Compensation Certificates	4.11%	4.20%	36 months
Min Deposit $50 Details payroll deposit only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)	4.11%	4.20%	60 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.11%	4.20%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 Month Deferred Compensation Certificates	4.07%	4.15%	12 months
Min Deposit $50 Details payroll deposit only Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month IRA Certificate (Jumbo)	4.07%	4.15%	60 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.07%	4.15%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month IRA Certificate (Jumbo)	4.02%	4.10%	18-23 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
19-Month Promotional Share Certificate	4.02%	4.10%	19-Month
Min Deposit $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month IRA Certificate (Jumbo)	4.02%	4.10%	24-35 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month IRA Certificate (Jumbo)	4.02%	4.10%	36-47 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month IRA Certificate (Jumbo)	4.02%	4.10%	48-59 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month IRA Certificate	4.02%	4.10%	60 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month Share Certificates	4.02%	4.10%	60 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	4.02%	4.10%	23 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	4.02%	4.10%	35 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	4.02%	4.10%	47 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	4.02%	4.10%	59 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 month	4.02%	4.10%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month IRA Certificate (Jumbo)	3.97%	4.05%	12-17 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month IRA Certificate (Jumbo)	3.97%	4.05%	18-23 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month IRA Certificate (Jumbo)	3.97%	4.05%	24-35 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month IRA Certificate (Jumbo)	3.97%	4.05%	36-47 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month IRA Certificate (Jumbo)	3.97%	4.05%	48-59 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month IRA Certificate	3.97%	4.05%	60 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month Share Certificates	3.97%	4.05%	60 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.97%	4.05%	17 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	3.97%	4.05%	23 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	3.97%	4.05%	35 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	3.97%	4.05%	47 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	3.97%	4.05%	59 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 month	3.97%	4.05%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month IRA Certificate (Jumbo)	3.92%	4.00%	12-17 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month IRA Certificate	3.92%	4.00%	18-23 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificate (Jumbo)	3.92%	4.00%	18-23 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificates	3.92%	4.00%	18-23 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month IRA Certificate	3.92%	4.00%	24-35 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificate (Jumbo)	3.92%	4.00%	24-35 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificates	3.92%	4.00%	24-35 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month IRA Certificate	3.92%	4.00%	36-47 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificate (Jumbo)	3.92%	4.00%	36-47 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificates	3.92%	4.00%	36-47 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month IRA Certificate	3.92%	4.00%	48-59 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificate (Jumbo)	3.92%	4.00%	48-59 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificates	3.92%	4.00%	48-59 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6-Month Promotional IRA Share Certificate	3.92%	4.00%	6 months
Min Balance $500 Details Term: 6-Month Promotional IRA Share Certificate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month IRA Certificate	3.92%	4.00%	60 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month Share Certificates	3.92%	4.00%	60 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.92%	4.00%	17 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	3.92%	4.00%	23 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	3.92%	4.00%	35 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	3.92%	4.00%	47 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	3.92%	4.00%	59 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 60 month	3.92%	4.00%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month IRA Certificate	3.87%	3.95%	12-17 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificate (Jumbo)	3.87%	3.95%	12-17 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificates	3.87%	3.95%	12-17 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month IRA Certificate	3.87%	3.95%	18-23 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificate (Jumbo)	3.87%	3.95%	18-23 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificates	3.87%	3.95%	18-23 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month IRA Certificate	3.87%	3.95%	24-35 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificate (Jumbo)	3.87%	3.95%	24-35 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificates	3.87%	3.95%	24-35 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month IRA Certificate	3.87%	3.95%	36-47 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificate (Jumbo)	3.87%	3.95%	36-47 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificates	3.87%	3.95%	36-47 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month IRA Certificate	3.87%	3.95%	48-59 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificate (Jumbo)	3.87%	3.95%	48-59 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificates	3.87%	3.95%	48-59 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month IRA Certificate (Jumbo)	3.87%	3.95%	6-11 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month Share Certificates	3.87%	3.95%	60 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.87%	3.95%	17 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	3.87%	3.95%	23 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	3.87%	3.95%	35 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	3.87%	3.95%	47 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	3.87%	3.95%	59 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.87%	3.95%	11 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month IRA Certificate	3.83%	3.90%	12-17 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificate (Jumbo)	3.83%	3.90%	12-17 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificates	3.83%	3.90%	12-17 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month IRA Certificate	3.83%	3.90%	18-23 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificates	3.83%	3.90%	18-23 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month IRA Certificate	3.83%	3.90%	24-35 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificates	3.83%	3.90%	24-35 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month IRA Certificate	3.83%	3.90%	36-47 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificates	3.83%	3.90%	36-47 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month IRA Certificate	3.83%	3.90%	48-59 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificates	3.83%	3.90%	48-59 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month IRA Certificate (Jumbo)	3.83%	3.90%	6-11 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6-Month Add-On Promotional Share Certificate	3.83%	3.90%	6-Month Add-On
Min Deposit $500 Details Additional deposits up to the initial opening deposit amount can be made at any time without penalty. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
60 Month Share Certificates	3.83%	3.90%	60 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.83%	3.90%	17 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 18-23 month	3.83%	3.90%	23 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 24-35 month	3.83%	3.90%	35 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 36-47 month	3.83%	3.90%	47 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 48-59 month	3.83%	3.90%	59 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.83%	3.90%	11 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month IRA Certificate	3.78%	3.85%	12-17 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificates	3.78%	3.85%	12-17 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12-Month College Saver	3.78%	3.85%	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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificates	3.78%	3.85%	18-23 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificates	3.78%	3.85%	24-35 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificates	3.78%	3.85%	36-47 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificates	3.78%	3.85%	48-59 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month IRA Certificate	3.78%	3.85%	6-11 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificate (Jumbo)	3.78%	3.85%	6-11 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificates	3.78%	3.85%	6-11 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 12-17 month	3.78%	3.85%	17 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.78%	3.85%	11 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificates	3.73%	3.80%	12-17 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 - 23 Month Share Certificates	3.73%	3.80%	18-23 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 - 35 Month Share Certificates	3.73%	3.80%	24-35 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36 - 47 Month Share Certificates	3.73%	3.80%	36-47 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 - 59 Month Share Certificates	3.73%	3.80%	48-59 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month IRA Certificate	3.73%	3.80%	6-11 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificate (Jumbo)	3.73%	3.80%	6-11 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificates	3.73%	3.80%	6-11 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.73%	3.80%	11 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 - 17 Month Share Certificates	3.68%	3.75%	12-17 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month IRA Certificate	3.68%	3.75%	6-11 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificates	3.68%	3.75%	6-11 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 6-11 month	3.68%	3.75%	11 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificates	3.63%	3.70%	6-11 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month IRA Certificate (Jumbo)	3.59%	3.65%	3-5 Months
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 - 11 Month Share Certificates	3.58%	3.65%	6-11 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.59%	3.65%	5 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month IRA Certificate (Jumbo)	3.54%	3.60%	3-5 Months
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.54%	3.60%	5 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month IRA Certificate	3.49%	3.55%	3-5 Months
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificate (Jumbo)	3.49%	3.55%	3-5 Months
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificates	3.49%	3.55%	3-5 Months
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.49%	3.55%	5 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month IRA Certificate	3.44%	3.50%	3-5 Months
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificate (Jumbo)	3.44%	3.50%	3-5 Months
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificates	3.44%	3.50%	3-5 Months
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.44%	3.50%	5 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month IRA Certificate	3.39%	3.45%	3-5 Months
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificates	3.39%	3.45%	3-5 Months
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 3-5 month	3.39%	3.45%	5 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificates	3.34%	3.40%	3-5 Months
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 - 5 Month Share Certificates	3.30%	3.35%	3-5 Months
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day IRA Certificate (Jumbo)	3.20%	3.25%	30 days
Min Balance $250,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.20%	3.25%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day IRA Certificate (Jumbo)	3.15%	3.20%	30 days
Min Balance $100,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.15%	3.20%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day IRA Certificate	3.10%	3.15%	30 days
Min Balance $50,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificate (Jumbo)	3.10%	3.15%	30 days
Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificates	3.10%	3.15%	30 days
Min Balance $250,000 Details Balance: $250,000 Minimum Balance (Jumbo); Balance: $250,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.10%	3.15%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day IRA Certificate	3.05%	3.10%	30 days
Min Balance $20,000 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificate (Jumbo)	3.05%	3.10%	30 days
Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificates	3.05%	3.10%	30 days
Min Balance $100,000 Details Balance: $100,000 Minimum Balance (Jumbo); Balance: $100,000 Minimum Balance (Jumbo) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.05%	3.10%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day IRA Certificate	3.00%	3.05%	30 days
Min Balance $500 Details IRA = Individual Retirement Account. Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificates	3.00%	3.05%	30 days
Min Balance $50,000 Details Balance: $50,000 Minimum Balance; Balance: $50,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates(Traditional and Roth IRA) - 30 days	3.00%	3.05%	30 days
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificates	2.96%	3.00%	30 days
Min Balance $20,000 Details Balance: $20,000 Minimum Balance; Balance: $20,000 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Day Share Certificates	2.91%	2.95%	30 days
Min Balance $500 Details Balance: $500 Minimum Balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Savings Rates

Product	Rate	APY
Summer Saver	5.83%	6.00%
Min Deposit $1 Details 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Savings	0.10%	0.10%
Min Balance $5 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

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. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. Balance: $10,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
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. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate. A minimum balance of $0.01 is required to keep the share open. Balance: $2,000.00 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Checking Rates

Product	Rate	APY
Investment Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account. Balance: $25,000.00 - $100,000.00+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Investment Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account. Balance: $0.00 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed-Rate Mortgages: Conforming - 10 Year	5.88%	1.000	6.17%	10 Year
Details Points: 1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 10 Year	6.13%	0.000	6.20%	10 Year
Details Points: 0.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.00%	1.000	6.21%	15 Year
Details Points: 1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.00%	1.000	6.27%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.25%	0.000	6.30%	15 Year
Details Points: 0.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.25%	0.000	6.36%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 10 Year	6.38%	-1.000	6.45%	10 Year
Details Points: -1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Adjustable-Rate Mortgages (ARM) - 7/1 ARM	6.00%	0.000	6.51%	7/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Adjustable-Rate Mortgages (ARM) - 10/1 ARM	6.25%	0.000	6.53%	10/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Adjustable-Rate Mortgages (ARM) - 5/1 ARM	5.75%	0.000	6.53%	5/1 ARM
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.50%	-1.000	6.55%	15 Year
Details Points: -1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Jumbo - 15 Year (Loan Amounts: See Below)	6.50%	0.000	6.57%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Adjustable-Rate Mortgages (ARM) - 5/5 ARM	5.88%	0.000	6.58%	5/5 ARM
Details Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.680% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 15 Year	6.50%	-1.000	6.61%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
No PMI Adjustable-Rate Mortgage (ARM) - 7/1 ARM	6.13%	0.000	6.61%	1st 84 payments
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
No PMI Adjustable-Rate Mortgage (ARM) - 5/1 ARM	5.88%	0.000	6.62%	1st 60 payments
Details Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Jumbo - 15 Year	6.63%	0.000	6.65%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
No PMI Adjustable-Rate Mortgage (ARM) - 10/1 ARM	6.38%	0.000	6.65%	1st 120 payments
Details Rate adjusts every 5 years; Margin: 2.750%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.240% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
No PMI Adjustable-Rate Mortgage (ARM) - 5/5 ARM	6.00%	0.000	6.66%	1st 60 payments
Details Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.680% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.63%	0.500	6.76%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 15 Year	6.75%	0.000	6.78%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.75%	0.000	6.80%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.63%	0.500	6.81%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.75%	0.000	6.86%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	6.75%	1.000	6.88%	30 Year
Details Points: 1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 15 Year	6.00%	1.000	6.92%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	6.75%	1.000	6.92%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.88%	-0.500	6.93%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA - Fixed-Rate Mortgages - 15 Year	6.25%	0.000	6.94%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 15 Year	6.88%	-0.500	6.99%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 15 Year	6.25%	0.000	7.01%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Jumbo - 30 Year	7.00%	0.000	7.01%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	7.00%	0.000	7.03%	30 Year
Details Points: 0.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Jumbo - 30 Year (Loan Amounts: See Below)	7.00%	0.000	7.04%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	7.00%	0.000	7.07%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming, High-Cost Area - 30 Year	7.13%	0.000	7.14%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Special No PMI Fixed-Rate Mortgage: Jumbo - 30 Year	7.13%	0.000	7.17%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming - 30 Year	7.13%	0.000	7.19%	30 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 15 Year	6.50%	-1.000	7.26%	15 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	7.25%	-1.000	7.28%	30 Year
Details Points: -1.000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Conforming - 30 Year	7.25%	-1.000	7.32%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming, High-Cost Area - 30 Year Loan	7.00%	0.000	7.36%	30 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Special No PMI Fixed-Rate Mortgage: Conforming, High-Cost Area - 30 Year Loan	7.00%	0.000	7.37%	30 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.50%	0.500	7.60%	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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 30 Year	6.75%	1.000	7.63%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.50%	0.500	7.64%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.63%	0.000	7.66%	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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.63%	0.000	7.71%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA - Fixed-Rate Mortgages - 30 Year	7.00%	0.000	7.73%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 30 Year	7.00%	0.000	7.78%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.75%	-0.500	7.79%	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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fixed-Rate Mortgages: Investment Properties - 30/15-Year Balloon	7.75%	-0.500	7.83%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
FHA Fixed-Rate Mortgages - 30 Year	7.25%	-1.000	8.03%	30 Year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Standard Home Equity Line of Credit (HELOC)	-	-	6.50%
Details Rate is variable; rate and payment may increase after account opening. 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
10-Year Fixed Home Equity Loan	6.88%	-	6.88%	10-Year
Details Published APR range: 6.875% - 10.125%; Published rate range: 6.875% - 10.125%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Rate Advantage Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Published APR range: 7.000% - 10.500%. Fixed rate for five years, variable thereafter. 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
15-Year Fixed Home Equity Loan	7.13%	-	7.13%	15-Year
Details Published APR range: 7.125% - 10.375%; Published rate range: 7.125% - 10.375%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
30 Due in 20 Fixed Home Equity Loan	7.75%	-	7.75%	30 Due in 20
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

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%. New Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. New Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. New Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Auto Loan	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.59%	36 months
Details Published APR range: 4.59% - 18.00%. New Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.59%	48 months
Details Published APR range: 4.59% - 18.00%. New Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.59%	60 months
Details Published APR range: 4.59% - 18.00%. New Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Used Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Used Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Used Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	4.99%	72 months
Details Published APR range: 4.99% - 18.00%. New Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Auto Loan	-	-	4.99%	72 months
Details Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Used Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.99%	48 months
Details Published APR range: 4.99% - 18.00%. Used Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
School Employee Auto Loan with Summers Off	-	-	4.99%	60 months
Details Published APR range: 4.99% - 18.00%. Used Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	4.99%	36 months
Details Published APR range: 4.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	5.19%	72 months
Details Published APR range: 5.19% - 18.00%. Used Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	5.19%	72 months
Details Published APR range: 5.19% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	5.69%	84 months
Details Published APR range: 5.69% - 18.00%. New Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Auto Loan	-	-	5.69%	84 months
Details Published APR range: 5.69% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New & Used Auto Loans	-	-	5.99%	84 months
Details Published APR range: 5.99% - 18.00%. Used Auto Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	5.99%	84 months
Details Published APR range: 5.99% - 18.00%. Lowest rate quoted includes a 0.75% discount for payment made by automatic transfer from your SchoolsFirst FCU account. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Higher Education Loan	-	-	9.00%	120 months
Details Variable Rate; For Master's and Doctorate Programs Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Inspire Mastercard	-	12.25%
Details Published APR range: 12.25% - 17.90%. See Terms and Conditions Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Rewards Mastercard	-	13.50%
Details Published APR range: 13.50% - 17.90%. See Terms and Conditions Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	7.99%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

SchoolsFirst Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer Loan	-	-	5.00%	24 months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Special Curriculum Loan	-	-	5.00%	60 months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12-Month Coverdell Education Savings Account	3.92%	-	4.00%	12 months
Min Deposit $100 Min Balance $4 Details The minimum opening deposit listed is also the minimum balance required to earn the stated APY. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Accumulation IRA	0.99%	-	1.00%
Min Deposit $10 Min Balance $1 Details Variable rate account; rate subject to change after the account is opened. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Deferred Compensation Certificates 12 months	4.07%	-	4.15%	12 months
Min Deposit $50 Details Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Initial term may vary depending on date account opened, renewing automatically into a 12-month term upon maturity. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Deferred Compensation Certificates 36 months	4.11%	-	4.20%	36 months
Min Deposit $50 Details Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Deferred Compensation Certificates 60 months	4.21%	-	4.30%	60 months
Min Deposit $50 Details Limited to employees of participating school districts; penalty for early withdrawal. payroll deposit only. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
My Club Account	0.99%	-	1.00%	6 to 18 months
Min Deposit $0 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
My Home Savings Share	3.97%	-	4.05%	12 months
Min Balance $250 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

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

Financial Health History

SchoolsFirst Federal Credit Union’s Texas Ratio rose from 3.12% in Q2 2023 to 5.40% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023	$28.7B	3.12%	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 800 N State College Blvd, Fullerton, CA 92831-3547

Phone 800-462-8328

Fax

President Matthew Schulenberg

CEO Bill Cheney

Full-Time Employees 2,817

Part-Time Employees 169

Branch Locations 74

ATM Locations 68

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

5.40%

Return on Assets (ROA)

0.1955%

Return on Equity (ROE)

2.0826%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

36,737,428,874

Total Amount of Shares and Deposits

31,586,617,738

Total Shares and Deposits < 1 Year

27,328,077,209

Total Shares and Deposits 1 3 Years

3,605,676,809

Total Shares and Deposits > 3 Years

652,863,720

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

2,138,109,804

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

2,138,109,804

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

29,448,507,934

Total Interest Expense (Sum of items 6 8)

180,681,272

Share Certificates

295,925

Number of Accounts for Share Drafts

1,327,022

IRA KEOGH Accounts

61,834

Number of Accounts for Regular Shares

2,202,230

Money Market Shares

140,336

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)

5,260,872,791

Total Liabilities

33,269,387,088

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

SchoolsFirst Federal Credit Union earned the Verified Healthy badge

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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 CD3.65%
18-Month CD3.75%
24-Month CD3.80%
60-Month CD3.80%
Savings0.10%
MMA0.75%

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

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SchoolsFirst Federal Credit Union Rates & Review September 2026

Brian McKay

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Customer Reviews

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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