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Schoolsfirst

P.O. BOX 11547, Santa Ana, CA 92711
NCUA Insured4.4 (188 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. BOX 11547

Santa Ana, CA 92711

Service Area

This credit union is located in Santa Ana and serves members in the CA area. Currently serving 1,548,619 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.74%

Used Auto Loan

5.44%

Personal Loan

14.49%

Credit Card APR

13.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(78 total)

Member Reviews

4.4

188 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Fernando Rivera

Fernando Rivera

3 months ago

Salem is exactly the kind of advisor you want when you are making financial decisions. She quickly assessed what we were trying to accomplish and provided clear, actionable guidance on my account, credit profile, credit card strategy, and the specific steps to improve auto loan readiness. She also helped my sister understand mortgage readiness and how to document and position settlement funds appropriately within the lending process. What impressed me most was her follow through. She contacted me a week later and confirmed everything was handled exactly as discussed. If you want someone who is knowledgeable, solution oriented, and precise, I would recommend scheduling with Salem specifically.

Jennifer

Jennifer

7 months ago

Lori Garcia at Schools First does not know the law nor does she do her due diligence, research or read prior to sending rude responses to consumers. Lori Garcia stipulated, without reading the contract signed with SFCU, that the incorrect and fraudulently reported information that was illegally inserted on my credit report this month is correct. Lori Garcia made this assumption without reading or knowing the law as it relates to FCRA, Bankruptcy Discharges, Legal Contract Terms. Lori Garcia's actions are intentional, illegal and inflict harm. NCUA and the SEC are both aware of the actions and conduct and SFCU selling consumer data without informing consumers. I have asked SFCU Leadership times to remove the incorrect data, they responded to CFPB noting the account/issue was not theirs. Lori Garcia is opting to bully and mistreat consumers as opposed to acting legally, ethically and abiding by the law. You can see all of Lori Garcia's, Member Services, inappropriate responses to consumers on BBB. Schools First Federal Credit Union Management: Reviews have described management as "atrocious" and "sneaky," according to Glassdoor. This is not an organization anyone should be doing business with based on the talent employed, business practices, and deceit.

Joel Amico

Joel Amico

8 months ago

Had fraud on my account, opened a new account , that was easy. However after I opened the new account,later I alerted to transactions on the fraud account, I called my agent that opened my account and was unable to contact him,I tried the next day and was unable to get my agent and was told he can call me back between 3 and 4 pm, note I called at 9 am.

Denise R

Denise R

11 months ago

It was a very good experience. Went in to open an account and was helped out right away. All my questions were answered and got pre approval offers. The branch manager introduced herself and welcomed me with a small gift as well. Overall great experience

Adriana Rodriguez

Adriana Rodriguez

10 months ago

Yalllllllll! Darian is the man to go to because he is super nice will start the conversation but will keep it super professional. His customer service was 100/10. School First give him a raise 🙌

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).