Teachers don’t get paid like the rest of us. Their credit union shouldn’t act like the rest of them.
Discover how Peak Credit Union supports educators through back-to-school expenses, summer income gaps, and classroom supply challenges—with tools that match the rhythm of the school year.
The calendar says January is the start of the year. But if you’re a teacher, you know the real new year begins in August.
That’s when your classroom fills up. Your supply lists grow longer. Your expenses spike—sometimes before your first paycheck hits.
Then comes fall, when the rhythm settles in. Winter break feels like a brief exhale. And spring? That’s when you’re planning for what’s next. Whether it’s summer work, a certification course, or finally making good on that vacation you put off three years in a row.
The truth is, the school year isn’t just a schedule. It’s a financial cycle—and it doesn’t look anything like the standard monthly budget. Most banks don’t get that. But Peak Credit Union was built around people who do.
Most teachers are paid on a 9- or 10-month schedule. That means two to three months of the year come without a paycheck—even though your bills don’t.
Peak offers options designed to smooth that out. Summer skip-a-payment features, savings automations, and early direct deposit help keep your income predictable, even when your job isn’t. And if you pick up summer work to bridge the gap, our mobile banking and budgeting tools help you make the most of every deposit.
You’re not just prepping bulletin boards. You’re buying your own supplies. Maybe even snacks. You’re absorbing costs no one reimburses.
We see that. That’s why Peak offers low-interest personal loans with short-term flexibility—ideal for classroom investments you shouldn’t have to shoulder alone. And our educator checking accounts come with budgeting tools to help you plan ahead for seasonal expenses.
We know your schedule doesn’t line up with a banker's hours. Our local branches are staffed by people who understand school-year pressures. Our mobile app was built to work around them. And when you do need a person to talk to, you won’t have to teach them how your pay schedule works. We already know.
You became a teacher to shape lives, not chase rates. But that doesn’t mean you should settle for less. Peak offers education-forward financial planning, retirement resources, and clear, human advice to help you navigate the long arc of a teaching career—without the jargon or the hard sell.
Because you give a lot to your students. We think your credit union should give a little back.
What kinds of accounts are best for teachers at Peak?
Our educator-focused checking and savings accounts are designed with low fees, school-year cash flow in mind, and tools to automate savings during high-income months.
Can I skip loan payments over the summer?
Yes. Eligible loans include skip-a-pay options to help manage income gaps during the summer months.
Does Peak offer financial advice for educators?
Absolutely. Our staff are trained to support educators at all career stages—from new hires to those planning for retirement.
What if I need a small loan for classroom expenses?
We offer low-interest personal loans with fast approvals and flexible repayment terms ideal for educators facing start-of-year costs.
Peak Credit Union. Built for you. Built for belonging.