Deposits · August 2026
SchoolsFirst publishes dated rates while its application page loads blank
An AI agent ran five ordinary deposits tasks on the public pages of SchoolsFirst Federal Credit Union and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Credit union
86/100
Mystery Agent score
Deposits · rank 2 of 25
Savings rate
92Served as text
Checking comparison
90Served as text
Fee schedule
87Served as PDF
Routing number
93Served as text
Application page
68Partly served
Summary
- SchoolsFirst states its dividend rates for Share Savings and Money Market as a dated table anyone can read directly.
- The routing number, 322282001, appears seven times as plain text on its dedicated page, giving an agent an unambiguous answer.
- An agent opened the 48-page Statement of Fees PDF directly from the checking pages with no login required.
- Rendering the first step of the online membership application in server text would let an agent describe the real process.
SchoolsFirst Federal Credit Union also appears in the Credit Cards study, where it scores 75 and ranks 7 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text92 out of 100
SchoolsFirst's dividend page states rates effective 8/6/2026, listing Share Savings at 0.10% APY and Liquid Advantage Money Market tiers ranging from 0.75% to 1.50% APY, all in plain text.
Task 02Checking comparisonServed as text90 out of 100
Free Checking carries no monthly fees or minimum balance, while Investment Checking discloses a $3 monthly fee waived by a qualifying balance or age 62, plus dividends up to 0.10% APY.
Task 03Fee scheduleServed as PDF87 out of 100
The Statement of Fees PDF, dated April 2026 and running 48 pages, lists checking, savings, ATM, and overdraft fees, and an agent extracted every figure cleanly with no login wall.
Task 04Routing numberServed as text93 out of 100
The dedicated routing number page states 'SchoolsFirst FCU Routing Number: 322282001' and prints the same digits six more times, all readable as plain text with no script required.
Task 05Application pagePartly served68 out of 100
The how-to-join page discloses accepted ID types, the $5 minimum Share Savings deposit, and Patriot Act identity verification in full text, while the linked membership application loads as a blank shell with 45 visible characters.
The how-to-join page states membership eligibility, required ID documents, and Patriot Act verification requirements in full, readable prose.
The application page
What the account opening page states to a reader that runs no scripts.
132,925Bytes delivered
8,245Characters of visible text
2Form fields in the first response
StatedWhat an applicant needs
Strengths and opportunities
What is working
- The dividend and rate page serves a complete, dated table (Share Savings, Money Market and Investment Checking APYs) as plain HTML text, no PDF or script required.
- The full 48-page Statement of Fees PDF is one click away from the checking product pages and opens cleanly with no login wall.
- The routing number appears as plain repeated text on a dedicated page, an easy, unambiguous answer for an agent.
- The how-to-join page states membership eligibility, required ID documents, and Patriot Act verification requirements in full, readable prose, a strong disclosure practice for a credit union application page.
Opportunities
- Publishing a short llms.txt would give agents a direct, canonical index to rates, fees, and routing information instead of a branded 404 at that path.
- The actual online membership application, the final step after how-to-join, currently serves as a blank JavaScript shell with 0 visible fields; server-rendering even the first form step would let an agent describe the real application process.
- The Statement of Fees PDF lives at a deep, unlabeled asset path reached only through a footnote link on checking product pages; a dedicated 'Fee Schedule' navigation entry would shorten the route for both agents and members.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
Back to the deposits leaderboard · Read the report · How the study works
