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Message from President & CEO Kathy Duvall

March 12, 2023: Please click here to read President & CEO Kathy Duvall's message to members and staff of SF Fire Credit Union.

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Conforming Home Loan Rates

Conforming = up to $726,200*

Conforming

30 Year

 

Apply Now

Conforming 30 Year Rates
RateAPR*Points
7.000%7.072%1
7.125%7.148%0
Conforming

20 Year

Apply Now

Conforming 20 Year Rates
RateAPR*Points
6.750%6.843%1
6.875%6.905%0
Conforming

15 Year

 

Apply Now

Conforming 15 Year Rates
RateAPR*Points
6.375%6.490%1
6.500%6.537%0
Conforming

10 Year

 

Apply Now

Conforming 10 Year Rates
RateAPR*Points
6.125%6.286%1
6.250%6.302%0

Apply for a Home Loan

*Annual Percentage Rate reflects FICO score of 740 or higher (also known as credit worthiness - your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply. A point is equal to 1% of the balance of the loan amount.

Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties.

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 484 × $4.77 for an approximate payment amount of $2,312.36 (loan amount + $1,000 × payment example = payment amount). The monthly payment amount shown includes principle and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

SFFire Credit Union

Conforming Home Loan Rates

Conforming = up to $726,200*

Conforming

30 Year

Conforming 30 Year Rates
RateAPR*Points
7.000%7.072%1
7.125%7.148%0
Conforming

20 Year

Conforming 20 Year Rates
RateAPR*Points
6.750%6.843%1
6.875%6.905%0
Conforming

15 Year

Conforming 15 Year Rates
RateAPR*Points
6.375%6.490%1
6.500%6.537%0
Conforming

10 Year

Conforming 10 Year Rates
RateAPR*Points
6.125%6.286%1
6.250%6.302%0

*Annual Percentage Rate reflects FICO score of 740 or higher (also known as credit worthiness - your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply. A point is equal to 1% of the balance of the loan amount.

Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties.

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example for a 30 year, $510,400 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 484 × $4.77 for an approximate payment amount of $2,312.36 (loan amount + $1,000 × payment example = payment amount). The monthly payment amount shown includes principle and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Fixed High Balance Home Loan Rates

High Balance = up to $1,089,300*

Type

30 Year

Apply Now

RateAPR*Points
7.000%7.069%1
Type

30 Year

Apply Now

RateAPR*Points
7.125%7.144% 0
Type

15 Year

Apply Now

RateAPR*Points
5.875%5.983%1
Type

15 Year

Apply Now

RateAPR*Points
6.000%6.030%0
Type

10 Year

Apply Now

RateAPR*Points
5.875%6.029%1
Type

10 Year

Apply Now

RateAPR*Points
6.000%6.043%0

Apply for a Home Loan

*Annual Percentage Rate reflects FICO Score of 740 or higher (also known as credit worthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

*Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

 

A point is equal to 1% of the balance of the loan amount.

 

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $484,350 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 484 x $4.77 for an approximate payment amount of $2,312.36 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

SFFire Credit Union

Fixed High Balance Home Loan Rates

High Balance = up to $1,089,300*

Type

30 Year

RateAPR*Points
7.000%7.069%1
Type

30 Year

RateAPR*Points
7.125%7.144% 0
Type

15 Year

RateAPR*Points
5.875%5.983%1
Type

15 Year

RateAPR*Points
6.000%6.030%0
Type

10 Year

RateAPR*Points
5.875%6.029%1
Type

10 Year

RateAPR*Points
6.000%6.043%0

*Annual Percentage Rate reflects FICO Score of 740 or higher (also known as credit worthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

*Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

 

A point is equal to 1% of the balance of the loan amount.

 

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $484,350 conforming mortgage with zero-points and a fixed rate of 4.000%, multiply 484 x $4.77 for an approximate payment amount of $2,312.36 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Super Jumbo Fixed

Super Jumbo = greater than $1,089,300

Term

30 Year

Apply Now

RateAPR*Points
6.750%6.818%1
Term

30 Year

Apply Now

RateAPR*Points
6.875%6.895%0

*Annual Percentage Rate reflects FICO Score of 700 or higher (also known as credit worthiness—your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply. A point is equal to 1% of the balance of the loan amount

 

Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties.

 

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $1,000,000 mortgage with zero-points and a fixed rate of 4.125%, multiply 1,000 x $4.85 for an approximate payment amount of $4,846.50 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

SFFire Credit Union

Super Jumbo Fixed

Super Jumbo = greater than $1,089,300

Term

30 Year

RateAPR*Points
6.750%6.818%1
Term

30 Year

RateAPR*Points
6.875%6.895%0

*Annual Percentage Rate reflects FICO Score of 700 or higher (also known as credit worthiness—your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply. A point is equal to 1% of the balance of the loan amount

 

Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties.

 

Payment per $1,000 balance is based on the interest rate listed for the amortization term listed, and is rounded to the nearest cent. Example: for a 30 year, $1,000,000 mortgage with zero-points and a fixed rate of 4.125%, multiply 1,000 x $4.85 for an approximate payment amount of $4,846.50 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest, and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Conforming Adjustable Rate Mortgage Rates

Conforming = up to $1,089,300*

Adjustable

10/1 ARM

 

Apply Now

10/1 Adjustable Rate
RateAPR*Points
6.750%6.826%0
Adjustable

7/1 ARM

 

Apply Now

7/1 Adjustable Rate
RateAPR*Points
6.625%6.700%0
Adjustable

5/1 ARM

 

Apply Now

5/1 Adjustable Rate
RateAPR*Points
6.500%6.615%0
Adjustable

3/1 ARM

 

Apply Now

3/1 Adjustable Rate
RateAPR*Points
6.500%6.594%0
Apply for a Home Loan

*Annual Percentage Rate reflects FICO score of 740 or higher (also known as credit worthiness - your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less). Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

3/1 and 5/1 ARM are loans that are fixed for the first 3 to 5 years and are adjusted on an annual basis thereafter. The index is used the 1 year US Treasury Security adjusted to a constant maturity of one year.

ARM Rate Adjustments:

Investment Property: add 0.50 basis points to Rate
FICO Score less than 660: add 0.25 basis points to Rate
Loan-to-Value greater than 80%: add 0.25 basis points to Rate

A point is equal to 1% of the balance of the loan amount.

5/1 ARM (30 year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on an $100,000 5/1 ARM (30 year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

Years 1-5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8-30
Rate: 8.50%
Payment Amount: $698.72

SFFire Credit Union

Conforming Adjustable Rate Mortgage Rates

Conforming = up to $1,089,300*

Adjustable

10/1 ARM

10/1 Adjustable Rate
RateAPR*Points
6.750%6.826%0
Adjustable

7/1 ARM

7/1 Adjustable Rate
RateAPR*Points
6.625%6.700%0
Adjustable

5/1 ARM

5/1 Adjustable Rate
RateAPR*Points
6.500%6.615%0
Adjustable

3/1 ARM

3/1 Adjustable Rate
RateAPR*Points
6.500%6.594%0

*Annual Percentage Rate reflects FICO score of 740 or higher (also known as credit worthiness - your score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less). Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

3/1 and 5/1 ARM are loans that are fixed for the first 3 to 5 years and are adjusted on an annual basis thereafter. The index is used the 1 year US Treasury Security adjusted to a constant maturity of one year.

ARM Rate Adjustments:

Investment Property: add 0.50 basis points to Rate
FICO Score less than 660: add 0.25 basis points to Rate
Loan-to-Value greater than 80%: add 0.25 basis points to Rate

A point is equal to 1% of the balance of the loan amount.

5/1 ARM (30 year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on an $100,000 5/1 ARM (30 year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

Years 1-5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8-30
Rate: 8.50%
Payment Amount: $698.72

Jumbo Adjustable Rate Mortgage Rates

Super Jumbo = greater than $1,089,300*

Type

10/1 ARM

Apply Now

RateAPR*Points
6.750%6.906%0
Type

7/1 ARM

Apply Now

RateAPR*Points
6.625%6.817%0
Type

5/1 ARM

Apply Now

RateAPR*Points
6.500%6.763%0
Type

3/1 ARM

Apply Now

RateAPR*Points
6.500%6.777%0

Apply for a Home Loan

*Annual Percentage Rate reflects FICO Score of 740 or higher (also known as creditworthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

 

3/1 and 5/1 ARM are loans that are fixed for the first 3 or 5 years and adjusted on an annual basis thereafter. The index used is the 1 year US Treasury Security adjusted to a constant maturity of one year.

 

ARM Rate Adjustments
◦Investment Property: add 0.50 basis points to Rate
◦FICO Score less than 660: add 0.25 basis points to Rate
◦ Loan-to-Value greater than 80%: add 0.25 basis points to Rate

 

A point is equal to 1% of the balance of the loan amount.

 

5/1 ARM (30 Year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be
used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on a $100,000 5/1 ARM (30 Year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

 

Years 1 – 5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8 – 30
Rate: 8.50%
Payment Amount: $698.72

SFFire Credit Union

Jumbo Adjustable Rate Mortgage Rates

Super Jumbo = greater than $1,089,300*

Type

10/1 ARM

RateAPR*Points
6.750%6.906%0
Type

7/1 ARM

RateAPR*Points
6.625%6.817%0
Type

5/1 ARM

RateAPR*Points
6.500%6.763%0
Type

3/1 ARM

RateAPR*Points
6.500%6.777%0

*Annual Percentage Rate reflects FICO Score of 740 or higher (also known as creditworthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Please call or email our Real Estate department for other quotes or information.

 

Conforming and High Balance loan limits for certain counties in California have been revised for 2023. Certain restrictions apply.

 

3/1 and 5/1 ARM are loans that are fixed for the first 3 or 5 years and adjusted on an annual basis thereafter. The index used is the 1 year US Treasury Security adjusted to a constant maturity of one year.

 

ARM Rate Adjustments
◦Investment Property: add 0.50 basis points to Rate
◦FICO Score less than 660: add 0.25 basis points to Rate
◦ Loan-to-Value greater than 80%: add 0.25 basis points to Rate

 

A point is equal to 1% of the balance of the loan amount.

 

5/1 ARM (30 Year) Mortgage Payment Example: The information provided assumes the purpose of the loan is to purchase an existing single family home to be
used as a primary residence, with a loan amount of $100,000, located in San Francisco County. The assumed credit score is 740. Therefore, on a $100,000 5/1 ARM (30 Year) mortgage with an initial interest rate of 2.50% and an APR of 3.391%, where the interest rate adjusts annually with a maximum of 2% points up or down and will never exceed 6% points above or below the initial APR, a payment example would be as follows based on a fully capped interest rate over the life of the loan:

 

Years 1 – 5
Rate: 2.50%
Payment Amount: $395.12

Year 6
Rate: 4.50%
Payment Amount: $489.55

Year 7
Rate: 6.50%
Payment Amount: $591.28

Years 8 – 30
Rate: 8.50%
Payment Amount: $698.72

Home Equity Line of Credit Rates

Term

HELOC (prime + 1.25%)

Apply Now

APR*Loan-to-Value (LTV)
9.00%<80%
Term

HELOC (prime + 2.25%)

Apply Now

APR*Loan-to-Value (LTV)
10.00%80-85%

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in the Wall Street Journal plus an as-low-as margin of 0.75% APR (the Prime Rate is 7.50% as of December 15th, 2022) for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit, do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit  are greater than 80% but do not exceed 85% of the value of your 1-4 family owner-occupied primary residential property in CA will be the prime rate plus an as-low-as margin of 1.75% APR.

The Minimum Home Equity Credit Line is $20,000. A $250 Application Fee and $170 Notary Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees will be assessed on credit requests of more than $250,000. These charges are estimated to range from $1,900 to $3,300. There is no annual fee. Borrower agrees to reimburse the credit union with a $300 early termination fee if the account is closed within 2 years. Borrower must pay mortgage reconveyance fees at loan termination. Property insurance is required and flood insurance may be required. Rates and terms are subject to change. 

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

SFFire Credit Union

Home Equity Line of Credit Rates

Term

HELOC (prime + 1.25%)

APR*Loan-to-Value (LTV)
9.00%<80%
Term

HELOC (prime + 2.25%)

APR*Loan-to-Value (LTV)
10.00%80-85%

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in the Wall Street Journal plus an as-low-as margin of 0.75% APR (the Prime Rate is 7.50% as of December 15th, 2022) for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit, do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit  are greater than 80% but do not exceed 85% of the value of your 1-4 family owner-occupied primary residential property in CA will be the prime rate plus an as-low-as margin of 1.75% APR.

The Minimum Home Equity Credit Line is $20,000. A $250 Application Fee and $170 Notary Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees will be assessed on credit requests of more than $250,000. These charges are estimated to range from $1,900 to $3,300. There is no annual fee. Borrower agrees to reimburse the credit union with a $300 early termination fee if the account is closed within 2 years. Borrower must pay mortgage reconveyance fees at loan termination. Property insurance is required and flood insurance may be required. Rates and terms are subject to change. 

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

Home Equity Loan Rates

Term

Home Equity Loans

Apply Now

Combined-Loan-to-Value (CLTV)RateAPR*
<80%8.25%8.393%
80-85%9.25%9.397%

*Rates are effective 12/28/2022 and are subject to change without notice. APR = Annual Percentage Rate. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) is 85%, including existing first mortgage and new second lien Home Equity Loan. All loans are subject to property valuation, limited to one-to-four family units located in the state of California. All loans are subject to credit approval and income and employment verification. Membership eligibility requirements apply.

Loan repayment term is 15 years (180 months). Home Equity Loan rate is fixed for the duration of the loan. 

Payment example: A $50,000 loan with an APR of 7.92% for 180 months will have a monthly payment of $470.64. A $275,000 loan with an APR of 8.40% will have a monthly payment of $2667.89. Other rates available. 

Minimum loan amount is $20,000. A $425 Application Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees, will be assessed on credit requests more than $250,000. These charges are estimated to range from $1,900 to $3,300. All fees will be deducted from the proceeds of the loan, with the balance of the loan proceeds deposited to your SF Fire Credit Union checking or savings account.

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

SFFire Credit Union

Home Equity Loan Rates

Term

Home Equity Loans

Combined-Loan-to-Value (CLTV)RateAPR*
<80%8.25%8.393%
80-85%9.25%9.397%

*Rates are effective 12/28/2022 and are subject to change without notice. APR = Annual Percentage Rate. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) is 85%, including existing first mortgage and new second lien Home Equity Loan. All loans are subject to property valuation, limited to one-to-four family units located in the state of California. All loans are subject to credit approval and income and employment verification. Membership eligibility requirements apply.

Loan repayment term is 15 years (180 months). Home Equity Loan rate is fixed for the duration of the loan. 

Payment example: A $50,000 loan with an APR of 7.92% for 180 months will have a monthly payment of $470.64. A $275,000 loan with an APR of 8.40% will have a monthly payment of $2667.89. Other rates available. 

Minimum loan amount is $20,000. A $425 Application Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees, will be assessed on credit requests more than $250,000. These charges are estimated to range from $1,900 to $3,300. All fees will be deducted from the proceeds of the loan, with the balance of the loan proceeds deposited to your SF Fire Credit Union checking or savings account.

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

Let's Talk

As a local credit union, we measure our success one member at a time. 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.

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(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM

 

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Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM

New Autos: 2023 or Newer

Minimum Loan Amount

$5,000

Apply Now

Term1APR*
1 to 48 Months5.63%
Minimum Loan Amount

$10,000

Apply Now

Term2APR*
49-60 Months5.88%
Minimum Loan Amount

$15,000

Apply Now

Term3APR*
61-72 Months6.00%
Minimum Loan Amount

$25,000

Apply Now

Term4APR*
73-84 Months6.13%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice. Rates are fixed for the life of the loan.

All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: Assuming a $15,000 auto loan for 48 months at 5.63% APR, the monthly payment will be $350.00

2Payment Example: Assuming a $15,000 auto loan for 60 months at 5.85% APR, the monthly payment will be $289.00.

3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.00% APR, the monthly payment will be $249.00.

4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.13% APR, the monthly payment will be $367.00.

SFFire Credit Union

New Autos: 2023 or Newer

Minimum Loan Amount

$5,000

Term1APR*
1 to 48 Months5.63%
Minimum Loan Amount

$10,000

Term2APR*
49-60 Months5.88%
Minimum Loan Amount

$15,000

Term3APR*
61-72 Months6.00%
Minimum Loan Amount

$25,000

Term4APR*
73-84 Months6.13%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice. Rates are fixed for the life of the loan.

All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: Assuming a $15,000 auto loan for 48 months at 5.63% APR, the monthly payment will be $350.00

2Payment Example: Assuming a $15,000 auto loan for 60 months at 5.85% APR, the monthly payment will be $289.00.

3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.00% APR, the monthly payment will be $249.00.

4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.13% APR, the monthly payment will be $367.00.

Used Autos: 2016 - 2022

Minimum Loan Amount

$5,000

Apply Now

Term1APR*
1 to 48 Months5.88%
Minimum Loan Amount

$10,000

Apply Now

Term2APR*
49-60 Months6.13%
Minimum Loan Amount

$15,000

Apply Now

Term3APR*
61-72 Months6.25%
Minimum Loan Amount

$25,000

Apply Now

Term4APR*
73-84 Months6.38%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice. Rates are fixed for the life of the loan.

All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: Assuming a $15,000 auto loan for 48 months at 5.88% APR, the monthly payment will be $351.00

2Payment Example: Assuming a $15,000 auto loan for 60 months at 6.13% APR, the monthly payment will be $291.00

3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.25% APR, the monthly payment will be $250.00.

4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.38% APR, the monthly payment will be $370.00.

SFFire Credit Union

Used Autos: 2016 - 2022

Minimum Loan Amount

$5,000

Term1APR*
1 to 48 Months5.88%
Minimum Loan Amount

$10,000

Term2APR*
49-60 Months6.13%
Minimum Loan Amount

$15,000

Term3APR*
61-72 Months6.25%
Minimum Loan Amount

$25,000

Term4APR*
73-84 Months6.38%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice. Rates are fixed for the life of the loan.

All loans subject to credit approval. Rates will depend on an individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and the other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: Assuming a $15,000 auto loan for 48 months at 5.88% APR, the monthly payment will be $351.00

2Payment Example: Assuming a $15,000 auto loan for 60 months at 6.13% APR, the monthly payment will be $291.00

3Payment Example: Assuming a $15,000 auto loan for 72 months at 6.25% APR, the monthly payment will be $250.00.

4Payment Example: Assuming a $25,000 auto loan for 84 months at 6.38% APR, the monthly payment will be $370.00.

Classic & Older Autos: 2014-2015

Minimum Loan Amount

$5,000

Apply Now

Term1 APR*
1-48 Months7.290%
Minimum Loan Amount

$10,000

Apply Now

Term2APR*
49-60 Months7.440%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment example: Classic auto loan of $15,000 for four years at 7.29% APR will have a monthly payment of $361.28.

2Payment example: Classic auto loan of $15,000 for five years at 7.44% APR will have a monthly payment of $300.21. Other rates and terms are available.

SFFire Credit Union

Classic & Older Autos: 2014-2015

Minimum Loan Amount

$5,000

Term1 APR*
1-48 Months7.290%
Minimum Loan Amount

$10,000

Term2APR*
49-60 Months7.440%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment example: Classic auto loan of $15,000 for four years at 7.29% APR will have a monthly payment of $361.28.

2Payment example: Classic auto loan of $15,000 for five years at 7.44% APR will have a monthly payment of $300.21. Other rates and terms are available.

New Motorcycles/Scooters: 2023 or Newer

Minimum Loan Amount

$5,000

Apply Now

Term1APR*
1 to 36 Months6.88%
Minimum Loan Amount

$5,000

Apply Now

Term2APR*
37 to 60 Months7.13%
Minimum Loan Amount

$15,000

Apply Now

Term3APR*
61 to 72 Months (for new motorcycles only)7.38%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: A loan amount of $7,500 for 36 months at 6.88% APR would have a monthly payment of $231.00.

2Payment Example: A loan amount of $7,500 for 60 months at 7.13% APR would have a monthly payment of $149.00.

3Payment Example: A loan amount of $15,000 for 72 months at 7.38% APR would have a monthly payment of $258.00

SFFire Credit Union

New Motorcycles/Scooters: 2023 or Newer

Minimum Loan Amount

$5,000

Term1APR*
1 to 36 Months6.88%
Minimum Loan Amount

$5,000

Term2APR*
37 to 60 Months7.13%
Minimum Loan Amount

$15,000

Term3APR*
61 to 72 Months (for new motorcycles only)7.38%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: A loan amount of $7,500 for 36 months at 6.88% APR would have a monthly payment of $231.00.

2Payment Example: A loan amount of $7,500 for 60 months at 7.13% APR would have a monthly payment of $149.00.

3Payment Example: A loan amount of $15,000 for 72 months at 7.38% APR would have a monthly payment of $258.00

Used Motorcycles/Scooters: 2018 - 2022

Minimum Loan Amount

$5,000

Apply Now

Term1APR*
1 to 36 Months7.13%
Minimum Loan Amount

$5,000

Apply Now

Term2APR*
37 to 60 Months7.38%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: A loan amount of $7,500 for 36 months at 7.13% APR would have a monthly payment of $232.00.

2Payment Example: A loan amount of $7,500 for 60 months at 7.38% APR would have a monthly payment of $150.00.

SFFire Credit Union

Used Motorcycles/Scooters: 2018 - 2022

Minimum Loan Amount

$5,000

Term1APR*
1 to 36 Months7.13%
Minimum Loan Amount

$5,000

Term2APR*
37 to 60 Months7.38%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other vehicle characteristics. Speak to a loan officer for details.

1Payment Example: A loan amount of $7,500 for 36 months at 7.13% APR would have a monthly payment of $232.00.

2Payment Example: A loan amount of $7,500 for 60 months at 7.38% APR would have a monthly payment of $150.00.

New Boats, Jet Skis, ATVs: 2023 or Newer

Minimum Loan Amount

$15,000

Apply Now

Term1APR*
1 - 36 Months6.88%
Minimum Loan Amount

$15,000

Apply Now

Term2APR*
37 - 60 Months7.25%
Minimum Loan Amount

$50,000

Apply Now

Term3APR*
61 - 120 Months8.00%
Minimum Loan Amount

$75,000

Apply Now

Term4APR*
121 - 180 Months9.00%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other Boat/Jet Ski/ATV characteristics. Speak to a loan officer for details.

1Payment Example: Boat/Jet Ski/ATV loan of $15,000 for 36 months at 6.88% APR will have a monthly payment of $462.00.

2Payment Example:  Boat/Jet Ski/ATV loan of $15,000 for 60 months at 7.250% APR will have a monthly payment of $299.00.

3Payment Example: Boat/Jet Ski/ATV loan of $50,000 for 120 months at 8.00% APR will have a monthly payment of $607.00.

4Payment Example: Boat/Jet Ski/ATV loan of $75,000 or 180 months at 9.00% APR will have a monthly payment of $761.00.

SFFire Credit Union

New Boats, Jet Skis, ATVs: 2023 or Newer

Minimum Loan Amount

$15,000

Term1APR*
1 - 36 Months6.88%
Minimum Loan Amount

$15,000

Term2APR*
37 - 60 Months7.25%
Minimum Loan Amount

$50,000

Term3APR*
61 - 120 Months8.00%
Minimum Loan Amount

$75,000

Term4APR*
121 - 180 Months9.00%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other Boat/Jet Ski/ATV characteristics. Speak to a loan officer for details.

1Payment Example: Boat/Jet Ski/ATV loan of $15,000 for 36 months at 6.88% APR will have a monthly payment of $462.00.

2Payment Example:  Boat/Jet Ski/ATV loan of $15,000 for 60 months at 7.250% APR will have a monthly payment of $299.00.

3Payment Example: Boat/Jet Ski/ATV loan of $50,000 for 120 months at 8.00% APR will have a monthly payment of $607.00.

4Payment Example: Boat/Jet Ski/ATV loan of $75,000 or 180 months at 9.00% APR will have a monthly payment of $761.00.

Used Boats, Jet Skis, ATVs: 2018 - 2022

Minimum Loan Amount

$15,000

Apply Now

Term1APR*
1 - 36 Months7.13%
Minimum Loan Amount

$15,000

Apply Now

Term2APR*
37 - 60 Months7.50%
Minimum Loan Amount

$50,000

Apply Now

Term3APR*
61 - 120 Months8.25%
Minimum Loan Amount

$75,000

Apply Now

Term4APR*
121 - 180 Months9.25%

Apply Now

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other Boat/Jet Ski/ATV characteristics. Speak to a loan officer for details.

1Payment Example: Boat/Jet Ski/ATV loan of $15,000 for 36 months at 7.13% APR will have a monthly payment of $464.00.

2Payment Example:  Boat/Jet Ski/ATV loan of $15,000 for 60 months at 7.50% APR will have a monthly payment of $301.00.

3Payment Example: Boat/Jet Ski/ATV loan of $50,000 for 120 months at 8.25% APR will have a monthly payment of $613.00.

4Payment Example: Boat/Jet Ski/ATV loan of $75,000 or 180 months at 9.25% APR will have a monthly payment of $772.00.

SFFire Credit Union

Used Boats, Jet Skis, ATVs: 2018 - 2022

Minimum Loan Amount

$15,000

Term1APR*
1 - 36 Months7.13%
Minimum Loan Amount

$15,000

Term2APR*
37 - 60 Months7.50%
Minimum Loan Amount

$50,000

Term3APR*
61 - 120 Months8.25%
Minimum Loan Amount

$75,000

Term4APR*
121 - 180 Months9.25%

*APR= Annual Percentage Rate. Rates effective are subject to change without notice.

All loans subject to credit approval. Rates will depend on individual's credit, as well as amount financed, loan-to-value (LTV) ratio, and other Boat/Jet Ski/ATV characteristics. Speak to a loan officer for details.

1Payment Example: Boat/Jet Ski/ATV loan of $15,000 for 36 months at 7.13% APR will have a monthly payment of $464.00.

2Payment Example:  Boat/Jet Ski/ATV loan of $15,000 for 60 months at 7.50% APR will have a monthly payment of $301.00.

3Payment Example: Boat/Jet Ski/ATV loan of $50,000 for 120 months at 8.25% APR will have a monthly payment of $613.00.

4Payment Example: Boat/Jet Ski/ATV loan of $75,000 or 180 months at 9.25% APR will have a monthly payment of $772.00.

Secured Loan Rates

Type

Savings Secured (100% of pledged account(s))

Term1APR*
up to 60 monthsShare rate + 3.00%
Type

Certificate Secured (100% of pledged account(s))

Term2APR*
term of certificateCertificate rate + 3.00%

*APR=Annual Percentage Rate. Rates effective are subject to change without notice.

Secured (Savings or Certificate) Loans

1Payment Example - Savings Secured: A loan amount of $3,000 for 60 months at 3.02% APR (savings rate + 3%) would have a monthly payment of $53.94. Other rates and terms are available.

2Payment Example - Certificate Secured: A loan amount of $3,000 for 60 months at 3.50% APR (savings rate + 3%) would have a monthly payment of $54.59. Other rates and terms are available.

SFFire Credit Union

Secured Loan Rates

Type

Savings Secured (100% of pledged account(s))

Term1APR*
up to 60 monthsShare rate + 3.00%
Type

Certificate Secured (100% of pledged account(s))

Term2APR*
term of certificateCertificate rate + 3.00%

*APR=Annual Percentage Rate. Rates effective are subject to change without notice.

Secured (Savings or Certificate) Loans

1Payment Example - Savings Secured: A loan amount of $3,000 for 60 months at 3.02% APR (savings rate + 3%) would have a monthly payment of $53.94. Other rates and terms are available.

2Payment Example - Certificate Secured: A loan amount of $3,000 for 60 months at 3.50% APR (savings rate + 3%) would have a monthly payment of $54.59. Other rates and terms are available.

Personal Loan Rates

Rates

Apply Now

Minimum Amount/Maximum AmountTerm1APR*
$1,000/$50,0001-12 Months8.00%

Rates

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Minimum Amount/Maximum AmountTerm2APR*
$1,000/$50,00013 to 24 Months8.25%

Rates

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Minimum Amount/Maximum AmountTerm3APR*
$1,000/$50,00025 to 36 Months8.50%

Rates

Apply Now

Minimum Amount/Maximum AmountTerm4APR*
$1,000/$50,00037 to 48 Months8.75%

Rates

Apply Now

Minimum Amount/Maximum AmountTerm5APR*
$1,000/$50,00049 to 60 Months9.00%

Apply Now

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 credit worthiness

The maximum aggregate unsecured credit limit is $50,000 per member.

1Payment example: A $5,000 loan for 12 months at 6.25% APR would have a monthly payment of $430.99. Other rates and terms are available.

2Payment example: A $5000 loan for 24 months at 6.50% APR wold have a monthly payment of $222.78. Other rates and terms are available.

3Payment example: A $5000 loan for 36 months at 6.75% would have a monthly payment of $153.85. Other rates and terms are available.

4Payment example: A $5000 loan for 48 months at 7.00% would have a monthly payment of $119.76. Other rates and terms are available. 

5Payment example: A $5000 loan for 60 months at 7.25% would have a monthly payment of $99.63. Other rates and terms are available.

SFFire Credit Union

Personal Loan Rates

Rates

Minimum Amount/Maximum AmountTerm1APR*
$1,000/$50,0001-12 Months8.00%

Rates

Minimum Amount/Maximum AmountTerm2APR*
$1,000/$50,00013 to 24 Months8.25%

Rates

Minimum Amount/Maximum AmountTerm3APR*
$1,000/$50,00025 to 36 Months8.50%

Rates

Minimum Amount/Maximum AmountTerm4APR*
$1,000/$50,00037 to 48 Months8.75%

Rates

Minimum Amount/Maximum AmountTerm5APR*
$1,000/$50,00049 to 60 Months9.00%

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 credit worthiness

The maximum aggregate unsecured credit limit is $50,000 per member.

1Payment example: A $5,000 loan for 12 months at 6.25% APR would have a monthly payment of $430.99. Other rates and terms are available.

2Payment example: A $5000 loan for 24 months at 6.50% APR wold have a monthly payment of $222.78. Other rates and terms are available.

3Payment example: A $5000 loan for 36 months at 6.75% would have a monthly payment of $153.85. Other rates and terms are available.

4Payment example: A $5000 loan for 48 months at 7.00% would have a monthly payment of $119.76. Other rates and terms are available. 

5Payment example: A $5000 loan for 60 months at 7.25% would have a monthly payment of $99.63. Other rates and terms are available.

Solar Panel Loan Rates

Minimum Loan Amount

$5,000

Apply Now

Term1APR*
up to 60 Months6.99% - 8.99%
Minimum Loan Amount

$10,000

Apply Now

Term2APR*
61-84 Months6.99% - 8.99%
Minimum Loan Amount

$15,000

Apply Now

Term3APR*
85-120 Months6.99% - 8.99%
Minimum Loan Amount

$20,000

Apply Now

Term4APR*
121-180 Months7.99% - 9.99%
Minimum Amount

$25,000

Apply Now

Term5APR*
181-240 Months8.99%-10.99%

Apply Now

*APR=Annual Percentage Rate. Rates effective are subject to change without notice.

Solar Panel Loans

A signed contract for solar panel purchase is needed prior to loan funding.

This loan program is for single-family homes and the borrower must live in the property.

In addition to the above conditions, the following are required with regard to a contractor being used for any loan over $25,000:

  • Valid B (General Contractor) or C-46 (Solar) or C10 (Electrical) license
  • 5 years contracting experience
  • Better Business Bureau positive rating
  • Valid liability insurance document
  • Valid Workers Comp insurance document

1Payment Example: A loan amount of $5,000 for 60 months at 6.99% APR would have a monthly payment of $99.01. Other rates and terms are available.

2Payment Example: A loan amount of $10,000 for 84 Months at 6.99% would have a monthly payment of $150.93. Other rates and terms are available.

3Payment Example: A loan amount of $15,000 for 120 Months at 6.99% would have a monthly payment of $174.15. Other rates and terms are available.

4Payment Example: A loan amount of $20,000 for 180 Months at 7.99% would have a monthly payment of $191.11. Other rates and terms are available.

5Payment Example: A loan amount of $25,000 for 240 Months at 8.99% would have a monthly payment of $224.92. Other rates and terms are available.

 

SFFire Credit Union

Solar Panel Loan Rates

Minimum Loan Amount

$5,000

Term1APR*
up to 60 Months6.99% - 8.99%
Minimum Loan Amount

$10,000

Term2APR*
61-84 Months6.99% - 8.99%
Minimum Loan Amount

$15,000

Term3APR*
85-120 Months6.99% - 8.99%
Minimum Loan Amount

$20,000

Term4APR*
121-180 Months7.99% - 9.99%
Minimum Amount

$25,000

Term5APR*
181-240 Months8.99%-10.99%

*APR=Annual Percentage Rate. Rates effective are subject to change without notice.

Solar Panel Loans

A signed contract for solar panel purchase is needed prior to loan funding.

This loan program is for single-family homes and the borrower must live in the property.

In addition to the above conditions, the following are required with regard to a contractor being used for any loan over $25,000:

  • Valid B (General Contractor) or C-46 (Solar) or C10 (Electrical) license
  • 5 years contracting experience
  • Better Business Bureau positive rating
  • Valid liability insurance document
  • Valid Workers Comp insurance document

1Payment Example: A loan amount of $5,000 for 60 months at 6.99% APR would have a monthly payment of $99.01. Other rates and terms are available.

2Payment Example: A loan amount of $10,000 for 84 Months at 6.99% would have a monthly payment of $150.93. Other rates and terms are available.

3Payment Example: A loan amount of $15,000 for 120 Months at 6.99% would have a monthly payment of $174.15. Other rates and terms are available.

4Payment Example: A loan amount of $20,000 for 180 Months at 7.99% would have a monthly payment of $191.11. Other rates and terms are available.

5Payment Example: A loan amount of $25,000 for 240 Months at 8.99% would have a monthly payment of $224.92. Other rates and terms are available.

 

Business Platinum Visa Rates

Business Visa

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

APR=Annual Percentage Rate.

Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate.

SFFire Credit Union

Business Platinum Visa Rates

Business Visa

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

APR=Annual Percentage Rate.

Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate.

SF Fire Credit Union Platinum Visa Rates

Platinum Visa

Apply Now

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

Apply Now

APR= Annual Percentage Rate

Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate. 

 

SFFire Credit Union

SF Fire Credit Union Platinum Visa Rates

Platinum Visa

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

APR= Annual Percentage Rate

Variable rate adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate. 

 

CSFA Platinum Visa Rates

CSFA Platinum Visa Rates

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

APR= Annual Percentage Rate

Variable rate adjusts quarterly and equals Prime Rate for previous month plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate

SFFire Credit Union

CSFA Platinum Visa Rates

CSFA Platinum Visa Rates

RateAPR Range
Variable, currently as low as 11.75%11.75% - 18.00%

APR= Annual Percentage Rate

Variable rate adjusts quarterly and equals Prime Rate for previous month plus 4.00% to 8.00% depending on credit worthiness. 11.75% is the Credit Union's floor rate and 18.00% is the ceiling rate

Checking Account Rates*

Checking Account

Minimum Deposit/Minimum BalanceAPY*Dividend
$00.00%0.00%

*Rates effective as of 7/27/22 and are subject to change at any time.

APY= Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credit monthly. This schedule is incorporated as part of your account agreement with SF Fire Credit Union.

Minimum balance requirements apply to average balance (amount of principle in account each day). All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

SFFire Credit Union

Checking Account Rates*

Checking Account

Minimum Deposit/Minimum BalanceAPY*Dividend
$00.00%0.00%

*Rates effective as of 7/27/22 and are subject to change at any time.

APY= Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credit monthly. This schedule is incorporated as part of your account agreement with SF Fire Credit Union.

Minimum balance requirements apply to average balance (amount of principle in account each day). All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Fixed IRA Rate Certificates*

Term

1 Year

Minimum Deposit RequiredAPY*Dividend
$1002.50%2.47%
Term

18 Month Bump Up

Minimum Deposit RequiredAPY*Dividend
$1000.20%0.20%
Term

2 Year

Minimum Deposit RequiredAPY*Dividend
$1002.50%2.47%
Term

3 Year

Minimum Deposit RequiredAPY*Dividend
$1002.45%2.42%
Term

5 Year

Minimum Deposit RequiredAPY*Dividend
$1002.25%2.23%

*Rates effective as of 9/21/2022. Listed rates are subject to change at any time.

IRA Term Certificates have a required minimum deposit of $100.

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 a full 365 days. Interest rate on term certificates are fixed for the length of the term.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. An additional tax penalty from the IRS may apply for early withdrawal. Please consult a tax professional about your particular situation.

If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday

1If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.

SFFire Credit Union

Fixed IRA Rate Certificates*

Term

1 Year

Minimum Deposit RequiredAPY*Dividend
$1002.50%2.47%
Term

18 Month Bump Up

Minimum Deposit RequiredAPY*Dividend
$1000.20%0.20%
Term

2 Year

Minimum Deposit RequiredAPY*Dividend
$1002.50%2.47%
Term

3 Year

Minimum Deposit RequiredAPY*Dividend
$1002.45%2.42%
Term

5 Year

Minimum Deposit RequiredAPY*Dividend
$1002.25%2.23%

*Rates effective as of 9/21/2022. Listed rates are subject to change at any time.

IRA Term Certificates have a required minimum deposit of $100.

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 a full 365 days. Interest rate on term certificates are fixed for the length of the term.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. An additional tax penalty from the IRS may apply for early withdrawal. Please consult a tax professional about your particular situation.

If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday

1If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.

Variable IRA Rate Certificates*

Term

60 Month

Minimum Deposit RequiredAPY*Dividend
$1000.09%0.09%

*Rates effective 7/27/2022 and are subject to change at any time.

APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month. 

IRA Variable Term Certificates have a required minimum deposit of $100. Variable rate products may reflect a change in the interest rate after the account is opened.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Additional tax penalties from the IRS may apply for early withdrawal from your IRA. Consult a tax professional regarding your situation.

If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday

 

SFFire Credit Union

Variable IRA Rate Certificates*

Term

60 Month

Minimum Deposit RequiredAPY*Dividend
$1000.09%0.09%

*Rates effective 7/27/2022 and are subject to change at any time.

APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month. 

IRA Variable Term Certificates have a required minimum deposit of $100. Variable rate products may reflect a change in the interest rate after the account is opened.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. Additional tax penalties from the IRS may apply for early withdrawal from your IRA. Consult a tax professional regarding your situation.

If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday

 

Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2501.75%1.73%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.25%2.23%
Term

11 Month Promotional Offer

Rate applies only to accounts funded with money not currently held at SF Fire Credit Union. 

Minimum Deposit/Minimum BalanceAPY*Dividend
$2504.25%4.16%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.50%2.47%
Term

18-Month Bump Up1

Minimum Deposit/Minimum BalanceAPY*Dividend
$2500.20%0.20%
Term

2 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.50%2.47%
Term

3 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.45%2.42%
Term

5 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.25%2.23%

Rates effective as of 10/27/2022. Rates are subject to change at any time.

Term Certificates have a required minimum deposit of $250.

*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 a full 365 days. Interest rate for Term Certificates is fixed for the length of the term.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

1 If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.

SFFire Credit Union

Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2501.75%1.73%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.25%2.23%
Term

11 Month Promotional Offer

Minimum Deposit/Minimum BalanceAPY*Dividend
$2504.25%4.16%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.50%2.47%
Term

18-Month Bump Up1

Minimum Deposit/Minimum BalanceAPY*Dividend
$2500.20%0.20%
Term

2 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.50%2.47%
Term

3 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.45%2.42%
Term

5 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.25%2.23%

Rates effective as of 10/27/2022. Rates are subject to change at any time.

Term Certificates have a required minimum deposit of $250.

*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 a full 365 days. Interest rate for Term Certificates is fixed for the length of the term.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

1 If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.

Jumbo Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0001.75%1.73%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0002.25%2.23%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0002.50%2.47%

 Rates effective as of 11/01/2022. Rates are subject to change at any time.

Jumbo Term Certificates have a required minimum deposit of $100,000

*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 a full 365 days. Unless otherwise paid, excluding IRAs, dividends will be credited to your account and compounded every month.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

SFFire Credit Union

Jumbo Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0001.75%1.73%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0002.25%2.23%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0002.50%2.47%

 Rates effective as of 11/01/2022. Rates are subject to change at any time.

Jumbo Term Certificates have a required minimum deposit of $100,000

*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 a full 365 days. Unless otherwise paid, excluding IRAs, dividends will be credited to your account and compounded every month.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

Savings Account Rates*

Account Type

Health Savings Account

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%
Account Type

Holiday Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.02%0.02%
Account Type

Educational Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%
Account Type

IRA Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%

*Rates effective as of 7/27/2022.

APY= Annual Percentage Yield. Rates subject to change at anytime without notice. This means that the dividend rate and annual percentage yield may change any time as determined by the Board of Directors. A minimum positive balance of $0.01 is required for dividends to be earned.

All savings rates are variable, so the interest rate may change after the account is opened.

This rate schedule states rates applicable to specified accounts. Dividends are credited monthly, expect in the instance of the Holiday Savings. For Holiday Savings, dividends will be credited at the time of distribution of funds on November 1st (dividends require Holiday Savings deposits to remain in the account until November 1st). The dividend period varies depending on when the account is opened. This schedule is incorporated as part of your account agreement with SF Fire Credit Union. Fees or other conditions could reduce earnings on any of the listed accounts.

SFFire Credit Union

Savings Account Rates*

Account Type

Health Savings Account

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%
Account Type

Holiday Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.02%0.02%
Account Type

Educational Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%
Account Type

IRA Savings

Minimum Amount/Minimum BalanceAPY*Dividend
$00.05%0.05%

*Rates effective as of 7/27/2022.

APY= Annual Percentage Yield. Rates subject to change at anytime without notice. This means that the dividend rate and annual percentage yield may change any time as determined by the Board of Directors. A minimum positive balance of $0.01 is required for dividends to be earned.

All savings rates are variable, so the interest rate may change after the account is opened.

This rate schedule states rates applicable to specified accounts. Dividends are credited monthly, expect in the instance of the Holiday Savings. For Holiday Savings, dividends will be credited at the time of distribution of funds on November 1st (dividends require Holiday Savings deposits to remain in the account until November 1st). The dividend period varies depending on when the account is opened. This schedule is incorporated as part of your account agreement with SF Fire Credit Union. Fees or other conditions could reduce earnings on any of the listed accounts.

Tiered Savings Rates*

Minimum Balance

$0

APY*Dividend
0.02%0.02%
Minimum Balance

$10,000

APY*Dividend
0.02%0.02%
Minimum Balance

$50,000

APY*Dividend
0.03%0.03%
Minimum Balance

$100,000

APY*Dividend
0.05%0.05%

*Rates effective as of 7/27/2022 and are subject to change at any time without notice

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. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with SF Fire Credit Union. A minimum positive balance of $0.01 is required for dividends to be earned, which are calculated at a specified rate over a given period.

All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors, and the interest rate may change after your account is opened.

SFFire Credit Union

Tiered Savings Rates*

Minimum Balance

$0

APY*Dividend
0.02%0.02%
Minimum Balance

$10,000

APY*Dividend
0.02%0.02%
Minimum Balance

$50,000

APY*Dividend
0.03%0.03%
Minimum Balance

$100,000

APY*Dividend
0.05%0.05%

*Rates effective as of 7/27/2022 and are subject to change at any time without notice

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. This rate schedule states rates applicable to specified accounts. This schedule is incorporated as a part of your account agreement with SF Fire Credit Union. A minimum positive balance of $0.01 is required for dividends to be earned, which are calculated at a specified rate over a given period.

All savings rates are variable. This means that the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors, and the interest rate may change after your account is opened.

Home Equity Line of Credit Rates

Term

HELOC (prime + 1.25%)

Apply Now

APR*Loan-to-Value (LTV)
9.00%<80%
Term

HELOC (prime + 2.25%)

Apply Now

APR*Loan-to-Value (LTV)
10.00%80-85%

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in the Wall Street Journal plus an as-low-as margin of 0.75% APR (the Prime Rate is 7.50% as of December 15th, 2022) for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit, do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit  are greater than 80% but do not exceed 85% of the value of your 1-4 family owner-occupied primary residential property in CA will be the prime rate plus an as-low-as margin of 1.75% APR.

The Minimum Home Equity Credit Line is $20,000. A $250 Application Fee and $170 Notary Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees will be assessed on credit requests of more than $250,000. These charges are estimated to range from $1,900 to $3,300. There is no annual fee. Borrower agrees to reimburse the credit union with a $300 early termination fee if the account is closed within 2 years. Borrower must pay mortgage reconveyance fees at loan termination. Property insurance is required and flood insurance may be required. Rates and terms are subject to change. 

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

SFFire Credit Union

Home Equity Line of Credit Rates

Term

HELOC (prime + 1.25%)

APR*Loan-to-Value (LTV)
9.00%<80%
Term

HELOC (prime + 2.25%)

APR*Loan-to-Value (LTV)
10.00%80-85%

*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in the Wall Street Journal plus an as-low-as margin of 0.75% APR (the Prime Rate is 7.50% as of December 15th, 2022) for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit, do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit  are greater than 80% but do not exceed 85% of the value of your 1-4 family owner-occupied primary residential property in CA will be the prime rate plus an as-low-as margin of 1.75% APR.

The Minimum Home Equity Credit Line is $20,000. A $250 Application Fee and $170 Notary Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees will be assessed on credit requests of more than $250,000. These charges are estimated to range from $1,900 to $3,300. There is no annual fee. Borrower agrees to reimburse the credit union with a $300 early termination fee if the account is closed within 2 years. Borrower must pay mortgage reconveyance fees at loan termination. Property insurance is required and flood insurance may be required. Rates and terms are subject to change. 

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

SF Fire Credit Union
  • 1-888-499-FIRE (3473)
  • Routing Number: 321076506
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SF Fire Credit Union
3201 California Street
San Francisco, CA 94118 SWIFT/BIC: SFFEUS66 Routing Number: 321076506

Equal Housing Lender

NMLS #262686
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

American Share Insurance

Deposits in SF Fire Credit Union are insured by American Share Insurance, the largest provider of private share insurance. Each SF Fire Credit Union deposit and certificate account is insured up to $250,000. SF Fire Credit Union is not insured by any state or federal government.

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