Rates

Belonging to Schools FCU definitely has its benefits! Our member-owners enjoy some of the lowest interest rates on loans anywhere in the country. Whether you need a car, vacation, or just some extra cash to consolidate bills, we have the right loan program for you.

Loan Rates

Auto Loan Rates

Loan Type Term APR*
New Auto Loan36 Months 5.49%
48 Months5.74%
60 Months5.99%
72 Months6.24%
84 Months6.59%
96 Months7.09%
Used Auto36 Months5.49%
48 Months5.74%
60 Months5.99%
72 Months6.24%
84 Months6.59%
96 Months7.09%
New 1st Time Car Buyer 36 Months5.49%
48 Months7.44%
60 Months7.94%
72 Months7.99%
Used 1st Time Car Buyer 36 Months5.49%
48 Months7.44%
60 Months7.94%
72 Months7.99%
Unsecured LoansTerm APR*
Signature/Debt Consolidation 12 mos 6.75%
24 mos 7.50%
36 mos8.25%
48 mos 9.50%
60 mos 10.50%
72 mos 11.50%
Personal Line of Credit Revolving 9.90%
Tuition Loan 12 mos 6.75%
Student Book Loan 12 mos 7.00%
Technology/Computer24 mos 1.00% (includes 1.5% discount for eStatements)
Everyday Loan 6 mos 28% ($20 processing fee)
Type (Disclosure)Term APR*
Additional Considerations
Platinum VISARevolving 5.99%Transactions from 6/1/24 - 9/30/24 (applicable rate until 9/30/25)
Balance Transfer5.99%
Secured Credit CardRevolving18.00%

Recreational Vehicles

Loan Type 1 Term APR*
Recreational Vehicle (new) 85% LTV 48 Months 6.50%
60 Months7.50%
72 Months 8.50%
84-120 Months 9.50%
48 Months 7.75%
60 Months8.75%
72 Months9.75%
84-120 Months10.75%

Motorcycle

Loan Type 1 Term APR*
New Motorcycle – 85% LTV 48 Months 7.00%
60 Months 7.50%
72 Months 8.00%
48 Months 7.00%
60 Months 7.50%
72 Months 8.00%

Loans for School EmployeesTerm APR*
Terms
Classroom Supply Loan12 months0.00%Borrow up to $1,000
Utility Loan (Classified)12 months0.00%Borrow up to $1,000
Relocation Loan12 - 36 months5.90%Borrow up to $5,000
Career Enhancement12 - 60 months5.90%Borrow up to $10,000
Payroll Assistance18 months5.90%Borrow up to $3,000
Teacher's Line of CreditRevolving5.90%Limit of up to $2,000

SavingsMinimumAPR*APY*
Summer SafeguardAutomatic Contribution6.44%6.60% Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD

We’ve got a team of experts ready to assist you with your mortgage needs! Mortgages can be a big deal, and we’re here to find the right program for your situation. We’ll be right by your side through the whole process.

Deposit Rates

Term$500 - $89,999> $90,000

APR

APY

APR

APY

6 Months
3.05%3.09%3.19%3.24%
12
3.88%3.95%4.12%4.20%
184.45%4.55%4.45%4.55%
243.73%3.80%4.35%4.45%
36
3.83%3.90%3.97%4.05%
483.83%3.90%4.11%4.19%
604.02%4.10%4.16%4.24%
Relationship Certificate(12 months)
6.06%
6.25%
6.06%6.25%Terms Apply

Minimum APR*APY*
$0-2,499 0.65%0.65%
$2,500-9,999 0.65%0.65%
$10,000-24,999 0.80%0.80%
$25,000-49,999 0.85%0.85%
$50,000+ 0.90%0.90%

Savings Accounts

Savings (A)MinimumAPR*APY*
Regular Shares$100-2,499 0.000% 0.000%
Christmas Club$2,500-9,999 0.050% 0.050%
You Name It $10,000 0.100% 0.100%

For School Employees – Summer Safeguard

SavingsMinimumAPR*APY*
Summer SafeguardAutomatic Contribution6.44%6.60% Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD

Accumulation

Minimum APR*APY**
$100 0.150% 0.150%

Coverdell Savings

Minimum APR*APY*
$50 3.00% 3.034%
SavingsMinimumAPR*APY*
Summer SafeguardAutomatic Contribution6.44%6.60% Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD

Loans for School EmployeesTerm APR*
Terms
Classroom Supply Loan12 months0.00%Borrow up to $1,000
Utility Loan (Classified)12 months0.00%Borrow up to $1,000
Relocation Loan12 - 36 months5.90%Borrow up to $5,000
Career Enhancement12 - 60 months5.90%Borrow up to $10,000
Payroll Assistance18 months5.90%Borrow up to $3,000
Teacher's Line of CreditRevolving5.90%Limit of up to $2,000

Enrollment in optional services, such as Debt Protection, GAP, and Mechanical Breakdown Coverage has no bearing on whether a loan is approved. Loan rates advertised are the lowest possible rates available. Actual rate will vary based on the characteristics of the borrower(s). Visit our Financial Calculator for loan payment and dividend accrual samples.