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SchoolsFirst FCU
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| 13.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website | |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| APR for cash advances | 13.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — |
| How we calculate your balance | Average daily balance including new purchases | — |
| Annual fee | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Transaction fees | ||
| Cash advance | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Balance transfer | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Foreign transaction | 2% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Penalty fees | ||
| First late fee | $25, but no more than the amount due if balance is less than $25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Returned payment | — | |
| Other fees | ||
| Returned Payment Fee | $20, Charged when payment is returned uncollected or not honored for any reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Opening conditions | California state: All CountiesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |