Aaron and Julia, loving the outdoors. Putting them first since 2009.


Shop smart and save for the holidays

Spread cheer this year by shopping smart when you use your Visa or HELOC to make holiday purchases

Shop Smart and Save for the Holidays


The holidays can be fun and exciting times filled with friends, family, and travel. Let’s not forget joy of wrapping presents for loved ones and the excitement of opening the ones for you!

Let’s be honest, though, the holidays can also be a little bit stressful. Coordinating schedules, making travel plans, pretending you really do love yet another pair of socks from Grandma. And the cost of all of those presents and plane tickets can start to add up. You’ll want to save money where you can, both before and during the holidays.

Here are some ways you can shop smart this holiday season.


Get more from your gifts

They say it's better to give than receive. And while we think that's true, wouldn't it be nice if you could do both?

When you use our SF Fire Platinum VisaÂź this holiday season, you can stock up on presents while stocking up on rewards too.


Cash Back

With our Platinum Visa¼ Credit Card Rewards program, you’ll get 1% cash back on all purchases. With cash back rewards, you can save for the holidays while you shop


Pay With Points

Use points to pay for your credit card purchases as they happen. Points can be redeemed as statement credits to cover the cost.


Gas Discounts

Get $0.50 off per gallon at participating gas stations, right at the pump. Up to 20 gallons. Initially available at participating Shell and BP retailers.


Travel with Rewards, Not Restrictions

Because your purchases earn points and not air miles, you can travel with extra benefits, not restrictions.

With Travel Rewards, there are no blackout periods, no advanced booking requirements, and no Saturday night stay requirements.

And that’s just a few examples. Get fewer fees, more rewards with the card that works for you.


Tap into your equity

A is a great way to use the equity in your home to get the cash you need this holiday season.

An SF Fire Credit Union HELOC features:

  • The flexibility of using funds for anything you need
  • A 10-year ‘draw’ period to access your funds
  • Interest-only minimum payments due during the draw period
  • A 15-year repayment period at an affordable rate

During your draw period, your minimum payments are interest-only, and you only pay back what you actually borrow. A HELOC could make buying those plane tickets for the whole family a little bit more affordable.


Happy Holidays, Healthy Accounts

There’s a lot of things to love about the holidays. Spending time with friends and family, spreading holiday joy and cheer by giving and receiving gifts, and just taking some time away from work to appreciate the things in life that matter.

But the holidays can come with their own special kind of stress too. If you shop smart this holiday season by using your SF Fire Platinum Visa to get more from your gifts or by using the funds available in your HELOC, you could help keep your finances healthy and your holidays happy.


Related Content

Personal Finance

9 Ways to Master Your Money

Are you tired of mon­ey prob­lems run­ning your life? Don’t wor­ry, you’re not alone. Here are 9 ways to mas­ter your mon­ey. Stop wor­ry­ing. Start get­ting ahead. 

Learn More

Personal Finance

How to Jump Start Your Emergency Fund

Life hap­pens. An emer­gency fund is a good way to pre­pare for unex­pect­ed events by giv­ing you a finan­cial cush­ion to han­dle emer­gen­cies with­out going into debt.

Learn More

Getting Started

5 Tips for Balancing Your Checking Account

A check­ing account is pret­ty much a nec­es­sary aspect of mod­ern life. You need it to pay bills, rent, and buy things online. It’s also equal­ly nec­es­sary to make sure you keep your check­ing account healthy, and make sure it works for you. These 5 sim­ple things can help you do just that. 

Learn More

Discover More

Nehemiah, international photographer.
Putting him first since 2012.

Checking you can count on

We offer the Bay Area’s best checking account. No minimum balance, no monthly fee, and up to 12 ATM surcharge rebates per month.

Learn More
Nehemiah, international photographer.
Putting him first since 2012.
Kundan, Bay Area artist.
Putting her first since 2016.

Get the card that works for you

Our fee-friendly Platinum Visa Credit Card comes with rewards, travel benefits, and a low APR.

Learn More
Kundan, Bay Area artist.
Putting her first since 2016.

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


Stop by a branch

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

Find a Branch or ATM