We extinguish bank fees too.
Check out our latest offers that feature our best rates without any surprising fees.
TERM CERTIFICATE
Lock in 4.00% APY with a 5-month Certificate
MONEY MARKET
Earn 2.00% APY on your savings with no monthly fees
PERSONAL LOAN
As low as 9.25% APR with flexible terms
HOME LOAN
Cut your closing costs with our low $995 flat fee
AUTO LOAN
Great rates and flexible loan terms for your next vehicle loan
CREDIT CARD
Get the card with $0 annual fee, low APR, and 1% cash back
"Reasonable rates, minimal fees, zero hassles, consistently helpful and friendly staff...it's hard to ask for more."
—A. Fong, Member
Unlike a bank, we’re not-for-profit. So you profit.
As a local, not-for-profit cooperative, owned and operated by members like you, our profits go back to our community and our members, not Wall Street. Which we believe helps make credit unions safer than banks. Plus, lower fees and free access to ATMs all across the country means you save money. And service the way you want it – online, in-app, in-branch and virtual branch.
SF Fire Credit Union is not just for firefighters and it’s not just for SF.
If you live, work, worship, or go to school in San Mateo, Marin or San Francisco counties, you can become a member.
Trapped in a bad bank? We can get you out.
Beyond great offers, we can serve all your personal and business financial needs.
*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.
Checking Offer
Terms & conditions apply, see full details at sffirecu.org/bonus300
Term Certificate
Promotional Rate effective as of 11/8/2024. 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.
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. Dividend rate for Term Certificates is fixed for the length of the term.
Active and retired Fire Department employees qualify for a 0.10% rate bump on these term certificates. Premium is the same for SFFD and Non-SFFD alike.
Term Certificates have a required minimum deposit of $250. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
Money Market
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. 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
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.
1Payment example: A $10,000 loan for 36 months at 9.25% would have a monthly payment of $320.27.
2Payment example: Payment example: A $15,000 loan for 48 months at 9.38% would have a monthly payment of $377.31.
3Payment example: Payment example: A $25,000 loan for 60 months at 9.50% would have a monthly payment of $526.92.
Home Loan
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.
