Lender profile
SchoolsFirst FCU
Lender Live rate observations
SchoolsFirst FCU at a glance
SchoolsFirst FCU is a lender based in California. LoanMate.ai tracks 20 published loan products from SchoolsFirst FCU (33 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.59% on New auto loan · 36 months. Its 30-year fixed rate of 7.25% is 0.25 points above the national median of 7% (across 233 lenders publishing that product). SchoolsFirst FCU lends in California only.
Purchase mortgage (18)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 5.875 | 6.76 | 0 | — | 2026-10-17 | Lender source ↗ |
| 5/1ARM | 6.000 | 6.81 | 0 | — | 2026-10-17 | Lender source ↗ |
| 5/5ARM | 6.000 | 6.89 | 0 | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.125 | 6.73 | 0 | — | 2026-10-17 | Lender source ↗ |
| 5/5ARM | 6.125 | 6.93 | 0 | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.250 | 6.79 | 0 | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 6.375 | 6.73 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.500 | 6.61 | 0 | — | 2026-10-17 | Lender source ↗ |
| 10/1ARM | 6.500 | 6.82 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.750 | 6.82 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.875 | 6.96 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 7.000 | 7.11 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.250 | 7.32 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.250 | 7.63 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.375 | 7.42 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.375 | 7.44 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.375 | 7.74 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.500 | 7.55 | 0 | — | 2026-10-17 | Lender source ↗ |
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-10yr | 6.875 | 6.875 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | 7.125 | 7.125 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (10)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-36 | — | 4.59 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 4.59 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.59 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-36 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.19 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.69 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 7.99 | — | — | 2026-10-17 | Lender source ↗ |
How SchoolsFirst FCU compares
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in California
Compare with: 1St Northern California, 1St United, Aerospace, Altura
Common questions
What is the lowest published rate at SchoolsFirst FCU?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from SchoolsFirst FCU is 4.59% on its New auto loan · 36 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does SchoolsFirst FCU lend?
SchoolsFirst FCU lends in California only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does SchoolsFirst FCU's 30-year fixed rate compare nationally?
SchoolsFirst FCU publishes 30-year fixed at 7.25%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so SchoolsFirst FCU is 0.25 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.