School Employee Benefits

Features tailored to your unique financial needs

  • 1.5% cash back on purchases deposited to Summer Saver account1
  • Interest-only payment option during the summer when you may not be receiving a paycheck2
  • Annual skip-a-payment without impacting your credit score3
  • Automatically lower your rate by 0.50% for every year you make on-time payments4

Enhanced layers of security to keep you protected

Keeping you covered6

  • Be covered for damage due to collision or theft with MasterRental Insurance when you use your card to reserve and rent a car

Exclusively for Mastercard® cardholders

  • Priceless® Cities, an exclusive benefit that offers one-of-a-kind experiences and adventures

School Employee Mastercard Credit Card7

Variable rate. No annual, balance transfer or cash advance fees.

Annual Percentage Rate (APR)

7.50% – 17.90%


Must be a current school employee to qualify.

APR = Annual Percentage Rate
Must be a current school employee to qualify for the School Employee credit card.
1. Earn 1.5% cash back on qualifying purchases. Cash advances, balance transfers, and returns are not eligible for cash back. Deposits will be made monthly to Summer Saver. If Summer Saver maximum contribution limits have been reached, or if no Summer Saver share is open, deposit will be placed in Member’s Primary Share 01 (Savings). 2. Offered during June, July and August. Members must contact SchoolsFirst FCU to confirm eligibility and to take advantage of interest-only payments. 3. Automatically offered during December billing cycle to qualified Members. This payment is typically due at the end of December or within the month of January, depending on your billing cycle. You can choose whether or not to make a payment. If you choose to make no payment during the month, finance charges will continue to accrue until you make a payment. By skipping the payment you will pay more in total interest. Interest will continue to accrue during the skip payment period. 4. Subject to eligibility. Rate reduced by 0.50% after 12 consecutive on-time payments, commencing with the first billing cycle. Payment remains the same. Maximum rate reduction will not exceed lowest APR offered. 5. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years. 6. Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Mastercard card to secure transactions. Please refer to your Guide to Benefits for further details or call 1-800-MASTERCARD for assistance. 7. SchoolsFirst FCU’s credit card program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. Rates quoted are effective as of 3/18/20 and are subject to change without notice. Variable rate, subject to change after account opening. Foreign transaction fee: 2% of the transaction in U.S. dollars.

External Website Linking


By clicking on this link, you are leaving SchoolsFirst FCU's website. You are linking to an alternate website not operated by SchoolsFirst FCU, and SchoolsFirst FCU is not responsible for the content of the alternate website. The fact that there is a link from SchoolsFirst FCU's website to an alternate website does not constitute endorsement of any product, service, or organization. SchoolsFirst FCU does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by SchoolsFirst FCU, and you should review the alternate website's policies.


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