The SchoolsFirst Federal Credit Union is a personal credit card from SchoolsFirst Federal Credit Union. Application typically pulls a credit report from Experian. The annual fee is No annual fee. The ongoing APR is 13.50% - 17.90% APR (effective 10/22/2026). Rewards: 1.5 points per $1; 10,000 points on activation. Typical credit limit: up to $35,000.