SchoolsFirst FCU School Employee Mastercard
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 11.75% to 17.90% variable based on creditworthiness and the Prime Rate
At a glance
The SchoolsFirst FCU School Employee Mastercard is an exceptional cash back credit card that provides special payment terms for educators and school employees. The card offers 1.5% cash back on all purchases and features no annual fee.
Our review of the SchoolsFirst FCU School Employee Mastercard
The School Employee Mastercard from SchoolsFirst Federal Credit Union is a top choice for educators looking to earn cash back rewards tailored to their unique needs.
How to Earn Cash Back Rewards
With the School Employee Card, educators can earn an unlimited 1.5% cash back on all eligible purchases. This cash back is deposited directly into an associated SchoolsFirst Summer Saver savings account.
Special Features Tailored to Educators
SchoolsFirst FCU understands the needs of educators and goes the extra mile to support them. The School Employee Mastercard offers a unique interest-only payment option during summer months when teachers may not be receiving a paycheck. Cardholders can also skip their December statement payment without affecting their credit score.
One standout feature of the School Employee Mastercard is the 0.50% APR reduction that cardmembers can earn each year for making on-time monthly payments. This reduction applies until the member reaches the lowest advertised rate, which is highly competitive in the credit union world, starting at around 8% APR.
Other Card Features
In addition to these unique perks, the School Employee Mastercard offers mobile wallet integration, free credit score monitoring, and customizable reports through SavvyMoney. Cardholders also benefit from Mastercard’s Enhanced ID Theft Protection, MasterRental Insurance for rental car coverage, and access to Mastercard Priceless® Cities for exclusive experiences and adventures
Should You Apply for the SchoolsFirst FCU School Employee Mastercard?
If you’re an educator looking for a rewards card that caters to your specific needs, the School Employee Mastercard is an excellent choice. With its competitive APR, cash back rewards, and unique features like interest-only summer payments and potential APR reductions, this card stands out among credit union offerings. Consider applying for the School Employee Mastercard to start earning rewards while supporting your financial goals.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 1.5% cash back on purchases — deposited into your Summer Saver account
- Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
- Ability to skip your December billing cycle without credit score being impacted
- Automatically get a 0.50% lower rate for every year you make on-time payments
Who this card may suit
- You are a school employee
- You prefer the freedom to opt for interest-only payments in the summer months
- You plan to use cash back rewards towards direct deposits
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 11.75% to 17.90% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 11.75% to 17.90% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 16.75% to 17.90% variable based on creditworthiness and the Prime Rate |
| Foreign Transaction Fee | 2% of the transaction amount in U.S. dollars |
| Penalty APR | 17.90% |
| Late Payment Penalty Fee | $25 |
| Return Payment Penalty Fee | $20 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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SchoolsFirst FCU School Employee Mastercard
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