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. The Annual Percentage Rate is subject to change annually on the first business day of August. See our Mastercard agreement for details. 5. 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. 6. To bring you this benefit, Mastercard has partnered with CSID®, an industry leader in identity theft protection and fraud detection. CSID is a registered trademark of CSIdentity Corporation. 7. 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. Refer to the Travel Accident & Baggage Delay Insurance Coverage description or call 800.337.2632 for more information on this benefit. 8. 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 12/21/18 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.