Schools First Federal Credit Union

Schools First Federal Credit Union is a member of the California Credit Union League.

Mortgage Options

Schools First Federal Credit Union offers new home loans, fixed rate, adjustable rate, home equity, and home equity lines of credit. Schools First FCU has 15-year, 20-year, and 30-year Fixed Rate Mortgages. You may finance up to 95% for a primary residence detached homes and 90% for condominiums. Schools First offers a 5/1 fixed/adjustable rate mortgage loan offers a lower starting interest rate than a traditional fixed rate loan, which can help you qualify for a higher priced home. The first five years of this loan are at a fixed rate, and then adjusted annually based on the weekly average of the 1-year Constant Maturity Treasury index (CMT). With a Schools First FCU home equity loan, you receive a lump-sum payment at closing, which you can use for anything: home improvements, education, business investments, or for unexpected expenses. A Home Equity Line of Credit is a little bit different from a straight Home Equity Loan in that instead of receiving a lump sum at closing, you are given a credit line from which you can draw funds whenever you need to, up to your credit line limit.

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