Banking for Heroes And Anyone Who Wants to be Treated Like One

ATM Rebates

¹Rebates 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 02/09/2026. 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) 10-Month Anniversary Tiered Term Certificate under the same member name and related tax identification number.

The minimum deposit required to open the 10-Month Anniversary Tiered Term Certificate is $250.

The 10-Month Anniversary Tiered Term Certificate is a tiered step-down rate structure. Dividend rates and APYs vary based on the account balance, the period of time funds remain on deposit, and whether qualification requirements are met. The Dividend Rate and APY for this certificate are not fixed and may change during the term based on qualification status.

To earn the disclosed introductory Promotional Period APYs, qualification requirements must be met during each qualification period, as described below. If qualification requirements are not met for any qualification period during the term of the certificate, the Dividend Rate and APY will be reduced to the Fallback APY for that qualification period.

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):

• 2.50% APY on the full balance until date of maturity

Fallback APY:

• 2.50% APY

The Fallback APY is equal to the APY applicable during the remaining term of the certificate following the introductory Promotional Period.

Qualification Requirement:

• To earn the introductory Promotional Period APYs during the first 90 days of the term, you must complete at least one qualifying checking account transaction within first 30 days of open date of the term certificate.
•  Qualifying checking account transactions include, but are not limited to, cash/check deposit or withdrawals, mobile deposits, direct deposits, debit card purchases, ATM transactions, bill payments, or check clearing transactions.

If the qualification requirement is not met within the 30-day period, the APYwill be reduced to 2.50% for the Certificate’s term.

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

Money Market

APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for the full 365 days. Rate effective as of 11/1/2024 and is subject to change at any time without notice. All savings rates are variable. Active and retired Fire Department employees qualify for a 0.10% rate bump. Premium is the same for SFFD and Non-SFFD alike.

Personal 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.