1. SchoolsFirst FCU's credit card program features a range of rates based on a variety of factors, including the applicant's credit rating. APR = Annual Percentage Rate. As of 3/20/17, Inspire credit card rates range from 9.25%-17.90% APR; School Employee credit card rates range from 8.25%-17.90% APR; and Rewards credit card rates range from 12.25%-17.90% APR. Rates are subject to change, are variable and subject to increase after account opening. Must be a current school employee to qualify for the School Employee credit card. For Share-Secured credit card: rate is currently fixed at 13.90% APR and subject to change without notice. Foreign transaction fee: 2% of the transaction in U.S. dollars for Inspire, School Employee and Share-Secured cards.