Become a Member

We’re all about low-cost Banking for Everyone

You, too, can enjoy all of the benefits we’ve provided to educators and students since 1933. When you bank at Schools Financial, you’ll pay fewer fees, pay less interest on loans and earn more on savings. 

  • FREE checking with eStatements1
  • Access to your accounts at 5,000+ shared branches
  • Technologically advanced online and Mobile Banking and BillPay
  • 30,000 FEE-FREE CO-OP ATMs — more ATMs than most major banks
  • Safest debit and credit cards for in-store transactions with Schools EMV chip cards
  • Digital payment services, including Apple Pay, Android Pay, Samsung Pay and Visa Checkout
  • Ownership in your financial institution — all members are owners, not shareholders like at a bank

Join online now or visit any of our branch locations.

Read important information about opening an account.

1Statement preference must be set to eStatement.

You Can Join 

You, too, can enjoy all of the benefits we’ve provided to educators and students since 1933.

Everyone who lives, works, worships or attends school in Sacramento, El Dorado, Placer, Sutter, Yuba, Butte, Nevada, San Joaquin, Solano, Yolo, Napa and Sonoma counties can join Schools Financial today.

Or, if you are related to a current Schools Financial member or belong to one of the following groups, you are eligible for membership.

  • Employees of California public and licensed private schools — anyone certified or classified, full or part time, active or retired.
  • Students and Alumni Association members of California institutions of higher education — anyone enrolled in post-secondary educational institutions, such as two- and four-year colleges and universities and licensed vocational schools.
  • Active or lifetime members of the California Teachers Association (CTA).
  • Employees of the California School Boards Association.
  • Elected members of the California public school district Boards of Education.

Join online now or visit any of our branch locations.

Read important information about opening an account.

Apply for a Loan

Borrowing from Schools Financial is one of the smartest and safest financial decisions you can make. Choose a loan application to get started, and you’ll receive an answer in minutes.

Consumer Loans
Auto
Specialty Vehicles
Visa®
Equity
Personal
Educator
Computer
Secured
Line of Credit
Equity Line of Credit

Mortgage Loans
First Mortgage
Mortgage Refinance

Read important information about opening an account.

Loan amount, rate and approval are based upon the applicant's credit, payment history and ability to repay the loan. Loan rates are established by the Board of Directors. Rates, terms, products and services are subject to change without notice. Members receive the rates and terms in effect the day loan proceeds are disbursed.