Banking for heroes and anyone who wants to be treated like one

¹ATM Rebates

Rebates are automatically posted to your account within two business days. We automatically rebate international surcharge fees, but in cases where the fees do not get reimbursed due to processing differences on some out-of-country networks or ATMs, please retain a copy of your receipt so that we can process any rebate of a surcharge that fails to refund automatically. The receipt must be presented no later than 60 days after the transaction cycle ending date of the SF Fire Credit Union account statement on which the transaction appears. Please note that any exchange fees do not qualify as ATM surcharges, and a surcharge must be clearly identified on your receipt for us to process the refund if it doesn’t automatically appear in your account.

²Term Certificate

Promotional Rate effective as of 05/07/2026. Offer subject to change without notice.
Promotional rate valid for net new deposits only with funds that are not currently held at SF Fire Credit Union.  See all rates. 
A primary member is allowed to open one (1) 7-Month Anniversary Tiered Term Certificate under the same member name and related tax identification number.
The minimum deposit required to open the 7-Month Anniversary Tiered Term Certificate is $250.

*APY = Annual Percentage Yield. The APY is the effective annual rate of return and assumes funds remain on deposit for a full 365 days.

The 7-Month Promotional Certificate is a tiered, step-down dividend rate and Annual Percentage Yield (APY) structure, as described below. Dividend rates and APYs vary based on the account balance, the period of time funds remain on deposit.

Introductory Promotional Period (First 90 days) APYs:

• 7.50% APY on the first $3,000
• 4.00% APY on balances above $3,000

Remaining Term (Days 91days – to Maturity):

• 4.00% APY on the full balance until date of maturity

At maturity, the Term Certificate will automatically convert to a one-year Term Certificate at the prevailing rate.

³Money Market

APY = Annual Percentage Yield.

Effective October 1, 2026, a promotional 4.35% APY is available on eligible new money deposited into an SF Fire Credit Union Money Market Account. The promotional APY is variable and may change at any time.

For members with an existing SF Fire Credit Union Money Market Account, only eligible new money that increases the account balance above the balance in the account as of the close of business on September 30, 2026 will be eligible to earn the promotional APY. The portion of the account balance equal to or below the September 30, 2026 balance (“baseline”) will continue to earn the standard Money Market APY, currently 2.00% APY. The standard Money Market APY is also variable and may change at any time.

Example: Example: If your Money Market Account balance is $10,000 at the close of business on September 30, 2026, that $10,000 will continue to earn the standard Money Market APY. If you deposit $5,000 in eligible new money on October 1, that additional $5,000 is eligible to earn the promotional APY. If you then withdraw $10,000 on October 5 and later deposit $20,000 in eligible new money on October 12, $15,000 of the account balance would be eligible to earn the promotional APY, because the balance is $15,000 above the September 30 baseline.

For members who do not have an SF Fire Credit Union Money Market Account as of September 30, 2026, eligible new money used to open and fund a Money Market Account beginning October 1, 2026 is eligible to earn the promotional APY.

New money refers to money not currently held in SF Fire Credit Union accounts or funds that have been in another SF Fire Credit Union account for 30 days or less. Incoming transfers are limited to external sources.

The promotional APY applies only to eligible new money. Funds that do not qualify as eligible new money will earn the then-current standard Money Market APY.

Both the promotional and standard Money Market dividend rates and APYs are variable and may change at any time as determined by the Board of Directors, including after the account is opened.

The APY is the effective annual rate of return and assumes funds remain in the deposit account for a full 365 days. Dividends are compounded and credited monthly based on the account’s average daily balance. Fees or withdrawals may reduce earnings. No minimum balance is required to earn the stated APY, and there is no monthly maintenance fee.

Rates effective as of October 1, 2026. The promotional APY is available on eligible new money deposited from October 1, 2026 through December 31, 2026. Beginning January 1, 2027, balances previously earning the promotional APY will earn the then-current standard Money Market APY.

The promotional offer is available for a limited time and may be changed or withdrawn at any time without notice. Additional terms and conditions apply.

Fire Department Employee Premium

Active and retired Fire Department employees qualify for a 0.25% rate bump on eligible new money earning the promotional rate, bringing the promotional APY from 4.35% to 4.60% as of October 1, 2026. This promotional APY is variable and may change at any time.

For Fire Department employees with an existing Money Market Account, the balance in the account as of September 30, 2026 will continue to earn the then-current standard Money Market APY plus the existing 0.10% Fire Department employee rate bump. Only eligible new money will receive the additional 0.25% promotional rate bump. As of October 1, 2026, eligible new money qualifying for the promotion will earn a promotional APY of 4.60%.

The premium is the same for SFFD and non-SFFD Fire Department employees.

⁴Personal Loan

Available rates subject to change at any time without notice. Rates are fixed for the term of the loan.

APR= Annual Percentage Rate based on creditworthiness

The maximum aggregate unsecured credit limit is $25,000 per member.

• Payment example: A $10,000 loan for 36 months at 9.25% would have a monthly payment of $320.27.
• Payment example: Payment example: A $15,000 loan for 48 months at 9.38% would have a monthly payment of $377.31.
• Payment example: Payment example: A $25,000 loan for 60 months at 9.50% would have a monthly payment of $526.92.

⁵Home Loan

For single family residence (SFR) first mortgage purchase loan applications received from March 15, 2025 through April 30, 2025, SF Fire Credit Union will provide a credit towards loan closing costs for the cost of the appraisal up to $795, not to exceed the actual cost of the appraisal. Purchase contract must be dated between March 15, 2025 and April 30, 2025 and provide for a Close of Escrow date within 60 days of the Purchase Contract Acceptance Date. SF Fire Credit Union reserves the right to terminate this offer at any time without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval and other underwriting criteria. Other conditions and restrictions may apply. 

Flat Fee Services include fees for credit reports, flood certificate, tax service, document prep, processing and underwriting. Flat Fee Services do not include appraisal, title or escrow fees or other fees not exclusively listed under Flat Fee Services. Appraisal fees will be collected prior to an appraisal being ordered and are not refundable once the appraisal has been started. Appraisal, title, escrows and other costs not exclusively listed under Flat Fee Services vary based on property and transaction type.