Earn 4.35% APY* on new money deposits

A Money Market Account is a type of savings account that typically offers a higher interest rate than a regular savings account. It combines features of both savings and checking accounts, providing you with easy access to your funds while earning competitive interest.

Yes, you can easily set up automatic transfers from external accounts to your Money Market Account in Online Banking or the Mobile app. Choose the frequency and amount that works best for you, and watch your savings grow effortlessly. Incoming transfers from existing SF Fire Account(s) are not permitted.

Yes, absolutely! Enjoy the flexibility of easy access to your funds in online banking. Manage your money seamlessly while earning a competitive dividend rate.

Our Money Market Account stands out with a competitive dividend rate, no minimum balance requirement, and better insurance coverage than FDIC & NCUA insured institutions. It’s a versatile and flexible solution for individuals looking to grow their savings without sacrificing accessibility.

Yes, existing members can open a new money market account and fund with money not currently held at SF Fire Credit Union.

This special rate is valid for new money only. New money refers to money not currently held at SF Fire Credit Union accounts or funds that have been in another SF Fire account for 30 days or less. You can easily set up automatic transfers from any external account to your Money Market Account in Online Banking. Choose the frequency and amount that works best for you, and watch your savings grow effortlessly. Incoming transfers from existing SF Fire Account(s) are not permitted.

We’re here to help, visit a branch or give us a call and we will help transfer any eligible funds. This is also a great opportunity to set-up direct deposit to ensure new funds are earning higher returns.

Easily transfer funds from an external account, wire, or deposit a check in online banking.

The dividend rate represents the percentage of interest earned on the average daily balance in the account over a specific period, usually expressed on an annual basis.

Credit unions use the term “dividend” instead of “interest” because they are member-owned cooperatives, and the earnings generated on members’ deposits are distributed as dividends.

Yes. Active and retired Fire Department employees qualify for an additional 0.25% promotional rate bump on eligible new money, bringing the promotional APY to 4.60% APY as of October 1, 2026.

For existing Money Market Accounts, the September 30 baseline balance will continue earning the standard Money Market APY plus the existing 0.10% Fire Department employee rate bump. Only eligible new money qualifies for the additional promotional rate bump.

The Fire Department employee premium is available to qualifying SFFD and non-SFFD Fire Department employees.

From October 1 through December 31, 2026, eligible new money deposited into an SF Fire Credit Union Money Market Account can earn a promotional 4.35% APY.

The promotional APY is variable and may change at any time.

Your Money Market balance as of the close of business on September 30, 2026 becomes your baseline.

That baseline amount will continue to earn the standard Money Market APY, currently 2.00% APY. Eligible new money that increases your account balance above that baseline can earn the promotional 4.35% APY.

For example, if your September 30 balance was $10,000 and you later deposit $5,000 in eligible new money, the additional $5,000 may earn the promotional APY while the original $10,000 continues earning the standard Money Market APY.

You can access your money at any time. However, if a withdrawal brings your account balance below your September 30 baseline, future deposits must first bring your balance back above that baseline before additional funds can earn the promotional APY.

Only the portion of your balance above your September 30 baseline that qualifies as eligible new money will earn the promotional rate.

If you do not have an SF Fire Credit Union Money Market Account, you can open one and fund it with eligible new money.

Eligible new money deposited during the promotional period can earn the promotional 4.35% APY.

The promotional APY is available on eligible new money deposited from October 1 through December 31, 2026.

Beginning January 1, 2027, balances that were earning the promotional APY will earn the then-current standard Money Market APY.