Top 10 Reasons to Join SF Fire Credit Union

Discover the difference of personalized service and our community-oriented approach.

SF Fire Credit Union vs Bank

When it comes to keeping your money safe, who better to trust than a team of professionals who know how to put out fires? At a credit union founded by firefighters, we’re experts at lending a helping hand, both financial and otherwise. Not convinced yet? Here are ten reasons you should consider switching to SF Fire Credit Union vs bank:



1. Not-for-profit

Unlike banks, which prioritize profits for their shareholders, SF Fire Credit Union is a not-for-profit institution that prioritizes the financial success of its members. Subsequently, you'll benefit from lower rates on loans, fewer fees, and higher yields on savings accounts.

2. Better Rates and No Weird Fees

Credit unions often offer higher dividend rates on savings accounts and lower interest rates on loans than larger banks. We don't charge monthly fees or require  minimum balances. So you can keep more of your money where it belongs – in your pocket. Access your account anytime, anywhere through our online and mobile banking services.

3. Free ATM Access

Access any ATM without being charged fees, unlike traditional banks. That’s right! You can use any ATM worldwide and we will cover the cost. Also, you have access to the Credit Union industry's Co-Op Network of 30,000 ATMs nationwide, which lets you access your cash surcharge-free.1

4. Top-Rated Mobile App

Our mobile app receives rave reviews for its user-friendly interface, powerful features, and seamless account integration. Thus, you can continue to stay in control of your finances with just a few taps.

5. Better Insurance When You Bank with Credit Unions vs Banks

SF Fire Credit Union is insured by American Share Insurance (ASI), a leading provider of private share insurance for credit unions. Which means, all deposits are insured up to $250,000 per account. Surprisingly, this is more coverage compared to FDIC insured banks which provides coverage per relationship. An easy way to boost coverage at SF Fire is to open multiple deposit accounts.

6. Personalized Service

We are a credit union with deep roots in the Bay Area. We offer personalized customer service tailored to fit your unique financial needs and goals. You're not just a number to us. You're an individual member with a story, goals, and financial dreams. Unlike some other banks that might be located in other parts of the U.S. – we understand the Bay Area market and the needs of our community.

7. Next-Generation Banking

Step into our new, café-style Noe Valley Branch with wireless transactions, powered by cutting-edge technology. While other banks are closing branches, we're extending our footprint and embracing innovation. Additionally, discover the future of banking with our always-on chatbot, Phoenix, and virtual branch that brings our team to you. Experience seamless financial management through our innovative solutions.

8. Locally Rooted

We started in San Francisco over 70 years ago and continue to serve the Bay Area. When you keep your money local, you are investing in your community. Because we are a local credit union, we tailor products and services to the needs of our community. For example, we offer member exclusive benefits like free notary services and free member shred days.

9. Learn and Earn

We offer free financial literacy resources, such as Zogo, which is a gaming app designed to enhance your understanding of personal finance and even earn rewards. Get rewarded for learning!

10. Community Give Back

We’re making a difference through giving back. At SF Fire, we support Firefighter causes, including the San Francisco Firefighters Cancer Prevention Foundation and the San Francisco Firefighters Toy Program. We also award scholarships on an annual basis to local high school and college students. We are dedicated to building financial success in our community.



So, if you’re looking for a financial home that's as welcoming as your favorite neighborhood coffee shop, SF Fire Credit Union offers you just that.

Joining SF Fire Credit Union is quick, simple, and easy. While our credit union was started by firefighters, if you live, work, attend school, or worship in San Francisco, San Mateo, or Marin Counties, you can become a member.  Join the SF Fire family and experience the difference for yourself.


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Let's Talk

As a local credit union, we want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.


(415) 674-4800
(888) 499-FIRE (3473)
Mon – Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM


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Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM

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1We automatically rebate up to 12 ATM surcharge fees per month (up to a $4 limit per transaction) should you have to use an Out-Of-Network ATM.

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.