Rescuing you from bad banks

SF Fire Credit Union provides real service from real people who really care. And we're voted Best Credit Union in the Bay Area by SFGATE Readers.

We extinguish bank fees too.

Check out our latest offers that feature our best rates without any surprising fees. 


Get up to $300

Bank fees burning a hole in your pocket? Get a cash bonus when you open a new checking account with direct deposit.

Our No Fee Checking has no minimum balance, no monthly fees and up to 12 ATM surcharge rebates per month.*

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Lock in 5.00% APY on our new 10-month Certificate

Protect your savings and enjoy this special rate. Fund with as little as $250 to start earning. 

Open Account

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Earn 4.00% APY on your savings

We know a thing or two about saving. Maintain easy access to your money while earning higher returns with no monthly fees. 

Open Account

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"Reasonable rates, minimal fees, zero hassles, consistently helpful and friendly'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.

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Trapped in a bad bank? We can get you out.

Beyond great Checking & Savings 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.

Term Certificate

Promotional Rate effective as of 3/14/2024. 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