SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union is a member-owned financial cooperative focused specifically on serving California school employees and their families. The credit union was founded in 1934 by 126 school employees who pooled their resources to create a financial institution designed around the needs of educators and school-system workers. More than 90 years later, that original education-focused mission remains central to the organization.
SchoolsFirst FCU is now the largest credit union in California and one of the largest credit unions in the United States. Current October 2026 information identifies more than 1.5 million Members and more than $37 billion in assets. The credit union provides checking and savings accounts, certificates, credit cards, auto loans, personal loans, mortgages, home-equity products, retirement services, insurance, investment services, online banking, mobile banking, and specialized financial guidance for school employees.
SchoolsFirst is a not-for-profit, member-owned cooperative rather than a shareholder-owned commercial bank. Bill Cheney currently serves as Chief Executive Officer and Jose Lara as President. The organization is federally insured by the National Credit Union Administration and continues to expand its California branch network, which reached 73 branches in June 2026 following seven additional openings.
SchoolsFirst Federal Credit Union
15332 Newport Avenue
Tustin, CA 92780
United States
SchoolsFirst identifies this location as its Rudy Hanley campus and headquarters. The 19-acre headquarters campus is home to more than 900 employees.
SchoolsFirst also uses corporate and lending facilities along Newport Avenue in Tustin.
A frequently used operational address is
15442 Newport Avenue
Tustin, CA 92780
This address is used for certain formal disclosures, real-estate lending, and Home Equity Loan servicing.
SchoolsFirst Federal Credit Union
P.O. Box 11547
Santa Ana, CA 92711-1547
United States
This is the general mailing address published on the current Contact Us page.
For qualified written requests, notices of error, or requests for information related to a first mortgage loan
SchoolsFirst FCU
P.O. Box 77423
Ewing, NJ 08628.
SchoolsFirst FCU
Attention: Real Estate Loan Servicing
15442 Newport Avenue
Tustin, CA 92780.
800-462-8328
SchoolsFirst uses its Member Contact Center as its primary public corporate and member-service contact.
800-462-8328
Monday to Friday: 7:00 AM to 7:00 PM PT
Saturday: 9:00 AM to 3:00 PM PT.
15332 Newport Avenue, Tustin, CA 92780
15332 Newport Avenue, Tustin, CA 92780
SchoolsFirst does not publish one general unsecured email address for account-specific Member Service.
Members are directed to Secure Messaging through Online Banking.
media@schoolsfirstfcu.org.
Credit Union, Banking, Lending, Mortgages, Investments, Retirement and Insurance Services
1934
Founded by
126 school employees.
More than 1.5 million Members
Current About Us information also reports more than 1.6 million Members, reflecting ongoing growth.
More than $37 billion in assets.
73 branches across California as of June 2026, with further expansion planned.
Headquarters does not publish general public walk-in corporate-office hours.
Member Contact Center
Monday to Friday: 7 AM to 7 PM PT
Saturday: 9 AM to 3 PM PT
https://www.schoolsfirstfcu.org/
SchoolsFirst offers checking-account products designed for everyday spending, direct deposits, debit-card transactions, transfers, online banking, and other routine financial activity.As a member-owned cooperative, the credit union emphasizes low fees and financial value for eligible school employees and their families.
Members can open savings accounts for emergency funds, short-term goals, long-term savings, and general cash management.Savings products form the basic ownership relationship between a credit union and its Members.
SchoolsFirst offers certificate accounts with fixed terms and dividend rates.These products are intended for Members who can leave funds deposited for a defined period in exchange for potentially higher yields than standard savings.
Money market savings options provide a place for qualifying Members to hold larger balances while retaining greater liquidity than a traditional certificate.
Checking Members can use debit cards for purchases and ATM transactions.SchoolsFirst participates in large ATM networks and currently promotes access to approximately 30,000 ATMs through its network relationships.
SchoolsFirst offers credit-card products to qualifying Members.Applications and in-progress application questions can be handled through the Member Contact Center at 800-462-8328, with dedicated extensions for consumer lending.
Vehicle financing is available for qualifying new and used vehicle purchases and refinancing.Because school employees are the credit union’s core membership base, its lending products are structured specifically around Member financial needs rather than public retail banking.
SchoolsFirst provides unsecured and other consumer-lending options for qualifying Members.Rates, terms, loan amounts, and underwriting requirements depend on the Member’s application and credit profile.
SchoolsFirst offers mortgage financing for qualifying California properties.In 2026, the credit union lowered its minimum down payment for eligible school-employee Members from 5% to 3%, expanding access to homeownership.
Members can access qualifying home-equity financing for home improvements, major expenses, debt restructuring, and other needs.Home Equity Loan servicing has a dedicated Tustin correspondence address.
SchoolsFirst also offers revolving home-equity lines to qualifying homeowners.These products allow approved Members to borrow against available home equity subject to lending terms and credit approval.
The credit union provides specialized retirement services designed particularly for school employees.Support includes 403(b), 457, IRA certificate, and other retirement-related guidance.
SchoolsFirst provides support for education employees participating in 403(b) retirement plans.Dedicated Member Contact Center extensions are available for SchoolsFirst and non-SchoolsFirst providers.
Eligible public-sector and education employees can obtain assistance with 457 retirement-plan arrangements.
SchoolsFirst provides access to investments such as stocks, bonds, mutual funds, managed accounts, and annuities through its investment-services organization.Dedicated support is available through the main Member Contact Center.
SchoolsFirst Insurance Services offers insurance products including auto, home, renters, umbrella, and recreational-vehicle coverage.Insurance products are offered through a credit-union subsidiary and are not NCUA-insured deposits.
Eligible Members can access life-insurance services through SchoolsFirst Insurance and investment-related channels.
Guaranteed Asset Protection can help qualifying borrowers with the difference between a vehicle’s covered value and outstanding auto-loan balance after certain total-loss events.
SchoolsFirst offers vehicle mechanical-repair coverage as an optional protection product.Support for this and related loan-protection products is available through a dedicated Member Contact Center extension.
Online Banking allows Members to check balances, transfer funds, manage accounts, send secure messages, and complete many everyday financial tasks.
SchoolsFirst’s mobile services allow Members to access accounts from supported smartphones and mobile devices.
TellerPhone is SchoolsFirst’s automated telephone-banking service.It is available 24 hours a day, seven days a week at 800-540-4546.
SchoolsFirst currently operates more than 70 branches across California.As of June 2026, the network had reached 73 branches, with additional branches planned.
The credit union provides financial education and personalized guidance on saving, debt reduction, homeownership, retirement, credit, fraud prevention, and other financial priorities.
800-462-8328
800-462-8328
800-462-8328
800-462-8328
800-462-8328
800-462-8328
Monday to Friday: 7 AM to 7 PM PT
Saturday: 9 AM to 3 PM PT.
800-462-8328
800-540-4546
Available 24/7.
800-462-8328
New application
Extension 6557
Application in progress
Extension 6522.
800-462-8328, Extension 8288, Option 1.
866-227-4390
Monday to Friday: 5:30 AM to 9 PM PT
Saturday: 5:30 AM to 2 PM PT.
800-462-8328
403(b) or 457 non-Nationwide provider
Extension 4727
SchoolsFirst Nationwide 403(b) or 457
Extension 4116, Option 1
IRA Certificate
Extension 4300.
800-462-8328, Extension 4116, Option 2
800-462-8328
Home, auto, renters, umbrella and recreational vehicles
Extension 4309
GAP, mechanical-repair and payment protection
Extension 4389
Life insurance
Extension 4116, Option 2.
800-462-8328
Available 365 days a year
5 AM to 10 PM PT.
SchoolsFirst does not publish a separate universal fraud number on the main Contact page.
Members should immediately call
800-462-8328
for suspicious account activity or possible fraud.
No separate general billing number is needed for deposit accounts. Loan-specific servicing should use the applicable lending department.
SchoolsFirst has operations centers and branches across California but does not publish one universal regional-office telephone number.
Each branch has local location information through the official branch locator.
A dedicated universal international Member Service number is not prominently listed on the main Contact page.
Not applicable.
SchoolsFirst is member owned, not publicly traded.
media@schoolsfirstfcu.org.
No universal public applicant HR phone is prominently published.
https://www.schoolsfirstfcu.org/careers/
Not applicable.
For most banking, loan, card, account, and Member Service questions, call 800-462-8328. Member Contact Center representatives are currently available Monday through Friday from 7:00 AM to 7:00 PM PT and Saturday from 9:00 AM to 3:00 PM PT. Before calling, have your Member information and details of the transaction, loan, card, or account involved ready, but never give passwords or one-time security codes to an unsolicited caller.
For mortgage or home-equity questions, use Extension 8288, Option 1. First-mortgage servicing has a separate number at 866-227-4390, while retirement, investment, and insurance teams also have dedicated extensions through the main contact number. This department-specific routing is usually faster than asking a general representative to transfer the call repeatedly.
For concerns that have already gone through regular Member Service, SchoolsFirst specifically provides access to a Member Advocate Team for issues that need escalation. Members can also send secure messages through Online Banking, visit a branch, or use written correspondence. The Member Advocate route is particularly appropriate when a problem has already been discussed with ordinary Member Service but remains unresolved.
Complaints may involve account transactions, fees, loans, credit cards, mortgages, electronic transfers, fraud, branch service, insurance, investments, privacy, or other financial services. Before escalating, gather account statements, loan or card information, transaction dates, receipts, screenshots, correspondence, and any previous case or representative information.
Call the Member Contact Center at 800-462-8328 and explain the issue clearly. Provide the account or transaction details needed for the representative to investigate, while protecting passwords and authentication codes. Ask the representative to document the concern and retain any case or reference information.
If the complaint involves a mortgage, investment, retirement plan, insurance product, credit card, or specific loan, contact the dedicated team for that service. Mortgage and Home Equity assistance uses Extension 8288, while investment, retirement, and insurance departments use separate extensions. A department that owns the underlying account usually has better access to the records needed to resolve the dispute.
If the first representative cannot resolve the matter, ask for a supervisor or management review. Provide the earlier reference information and explain what remains unresolved. For account errors or unauthorized transactions, identify exact amounts and dates and confirm whether additional written documentation is required under the account agreement.
Members can use Secure Messaging through Online Banking or send correspondence to SchoolsFirst FCU, P.O. Box 11547, Santa Ana, CA 92711-1547. Written correspondence is valuable for complicated complaints because it preserves the timeline, supporting documents, and requested resolution.
For a serious unresolved matter, correspondence can also be directed to the headquarters campus at 15332 Newport Avenue, Tustin, CA 92780. Include copies of prior correspondence, account statements, dispute records, and relevant notices. Do not send passwords, PINs, or unnecessary highly sensitive authentication information.
SchoolsFirst specifically provides a Member Advocate Team for concerns that need escalation. Mortgage servicing disputes also have dedicated qualified-written-request addresses, including P.O. Box 77423, Ewing, NJ 08628 for first mortgages and 15442 Newport Avenue, Tustin, CA 92780 for Home Equity Loan servicing.
SchoolsFirst is a federally insured credit union, so unresolved credit-union regulatory issues may be directed to the National Credit Union Administration where appropriate. Mortgage, fair-lending, consumer-finance, or other complaints can also involve agencies such as the Consumer Financial Protection Bureau, depending on the specific issue. Use the regulator that has jurisdiction over the disputed product or conduct.
Members can also use relevant federal or California consumer-protection processes when the issue falls within their jurisdiction. Card disputes may involve network procedures, insurance complaints may involve insurance regulators, and investment complaints may require the appropriate securities or brokerage channel. Keep statements, letters, secure messages, call records, and SchoolsFirst responses before filing externally.
If the dispute remains unresolved after internal escalation and regulatory options, review the specific account agreement, lending documents, card agreement, insurance contract, or investment documents that govern the product. These documents may define arbitration, mediation, court, or other formal procedures. For significant financial disputes, obtaining professional legal advice before initiating a formal claim may be appropriate.
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