A Credit Card Designed for School Employees

If you’re a school employee and haven’t checked out our School Employee Mastercard®, we hope you’ll give it a closer look, because it’s designed specifically with you in mind. Here are just a few benefits that we think make it pretty special.

During the summer months, we know you want to relax and enjoy your time off. That’s why we offer 1.5% cash back into a Summer Saver account1, designed to help you save and manage your finances throughout the year. With Summer Saver, you make monthly deposits through automatic payroll deductions, so when vacation season rolls around you’ll have the money you need until work starts up again. Withdrawals are penalty free, and can be made any time during the year. You can also choose to opt in for Skip-a-Payment2, which allows you to skip a credit card payment once a year in January without hurting your credit score, which is great after the holidays. Or, choose interest-only payments to help reduce your expenses during June through August. And with interest rates as low as 9.75% APR3, and no annual, balance transfer or cash advance fees4, it really offers great value.

You’re More Than Just a Number

We understand that sometimes life brings financial challenges, and the School Employee MasterCard can be an important tool to help rebuild or establish credit. This is true for school employee Lorena L., who had some credit problems that made qualifying for a mortgage loan with her former credit union impossible. They told her she’d need to reestablish her credit, but when she applied for a low-limit credit card they denied her.

That’s when she turned to us. We helped her establish a $500 credit limit with a SchoolsFirst FCU School Employee credit card, and over time, Lorena’s credit score improved so much she was able to achieve her dream of becoming a homeowner.

“SchoolsFirst FCU gave me a second chance at life,” says Lorena. “If I wasn’t approved for credit, I didn’t know where I was going to go next. It’s hard to trust just anyone with your money.”

Our goal is to provide products and services that can really enhance your financial life. We think that the School Employee MasterCard can do just that. And keep in mind that it also has other great features including EMV Chip-Enabled Technology, ID Theft Alerts and Identity Theft Resolution for added security.4



APR = Annual Percentage Rate
Must be a current school employee to qualify for the School Employee credit card.

1Earn 1.50% cash back on qualifying purchases. Cash advances, balance transfers, and returns are not eligible for cash back. Deposits will be made quarterly to Summer Saver. If Summer Saver maximum contribution limits have been reached, or if no Summer Saver share is open, deposit will be placed in Member’s Primary Share 01 (Savings). Account must be open, current and in good standing.

2 Automatically offered during January billing cycle to qualified Members. Interest will continue to accrue during the skip payment period.

3SchoolsFirst FCU’s credit card program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. Rates quoted are effective as of 06/19/19 and are subject to change without notice. Variable rate, subject to change after account opening. Foreign transaction fee: 2% of the transaction amount in US dollars.

4To bring you this benefit, MasterCard has partnered with CSID, an industry leader in identity theft protection and fraud detection. CSID is a registered trademark of CSIdentity Corporation.

When you click on external links, you are linking to alternate websites not operated by SchoolsFirst FCU, and SchoolsFirst FCU is not responsible for the content of the alternate websites. The fact that there is a link from SchoolsFirst FCU’s email to an alternate website does not constitute endorsement of any product, service, or organization. SchoolsFirst FCU does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by SchoolsFirst FCU, and you should review the alternate website’s policies.

Extra Credit provides general information to help improve our Member’s financial lives. Every situation is different, so please contact us for guidance on your specific needs. The advice provided in Extra Credit is not intended to serve as a substitute for speaking to a loan representative, financial advisor, or GreenPath Financial Wellness counselor who can help tailor a solution for you.

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