We extinguish bank fees too.
Check out our latest offers that feature our best rates without any surprising fees.
FREE CHECKING
No minimum balances, no monthly fees, and free ATM access anywhere1.
TERM CERTIFICATE
Lock in 4.00% APY2 with a 5-month Certificate.
MONEY MARKET
Earn 2.00% APY3 on your savings with no monthly fees.
PERSONAL LOAN
As low as 9.25% APR4 with flexible terms.
HOME LOAN
A variety of loan options with competitive rates, expert local guidance, and a $9955 flat fee to help cut closing costs.
AUTO LOAN
Great rates and flexible 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 ATMs6 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.
Despite our name, membership is not exclusive to our firefighting community or San Francisco residents. We welcome members from across the Bay Area and beyond.
Trapped in a bad bank? We can get you out.
Beyond great offers, we can serve all your personal and business financial needs.
1Free Checking
We 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.
2Term 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.
3Money Market
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. Rate effective as of 11/1/2024 and is subject to change at any time without notice. All savings rates are variable. Active and retired Fire Department employees qualify for a 0.10% rate bump. Premium is the same for SFFD and Non-SFFD alike.
4Personal 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.
- Payment example: A $10,000 loan for 36 months at 9.25% would have a monthly payment of $320.27.
- Payment example: Payment example: A $15,000 loan for 48 months at 9.38% would have a monthly payment of $377.31.
- Payment example: Payment example: A $25,000 loan for 60 months at 9.50% would have a monthly payment of $526.92.
5Home Loan
Flat Fee Services are available for California properties only and do not apply to FHS. Flat fee does not include title and escrow fees. Appraisal fee will be collected up front during the loan application process. Appraisal deposit is credited towards closing costs at funding. Appraisal deposits may by refunded if the loan 1. doesn't fund or 2. is cancelled (withdrawn) before an appraisal is ordered. Appraisal costs may vary based on property and transaction type.
6ATM Rebates
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.
