Latest News

Keeping you updated on what’s happening at SF Fire Credit Union.

Latest News & Firefighter's Corner

Message from Kathy - Fall Update

Fall promises to be a busy season at SF Fire Credit Union. We kicked off September with Sensitive Document Destruction Day, followed by participating in the 2018 San Francisco First Responders Stair Climb on the 8th of September. Looking forward, we are excited to host several investment workshops, help fundraise for the Firefighter Toy Program and more, all of which you can read up on in this quarter’s Siren newsletter.

Beyond our member and community events, I’m pleased to report progress in our efforts to enhance the level of service and value we provide to our members. After expanding our Contact Center staff and increasing ATM rebates this summer, you can look forward to fall updates including the addition of FICO scores and transaction memos to our online banking, making your finances easier to monitor and organize than ever before.

And finally, speaking of changes, I have an announcement of my own: I’m excited to share that I got married this past August and, as of the end of this letter, will be transitioning my last name from Elser to Duvall. Definitely a small change in the grand scheme of things here at SF Fire Credit Union, but an important detail to clarify as you start seeing messages from an unfamiliar name.

As always, thank you for your membership and support.

Kathy Duvall
President and CEO

Upcoming Estate Planning Seminars

Estate Planning

Life gets busy—have you had time to plan for the future? We want to help.

Stephen Seewer, CFS* Advisor at SF Fire Credit Union, is hosting complimentary Estate Planning Seminars on October 23rd at 6:15 pm at our Stonestown Branch and on November 13th at 6:30 pm (Location TBD). This seminar, presented by an estate law attorney, will give you tools and knowledge you need to make sure your estate is established the right way.

What Is Estate Planning, And Why Do I Want To Do It?

Estate Planning is typically defined by four principal objectives:
- Controlling your property while you’re alive
- Protecting yourself and loved ones if you become disabled
- Ensuring what you have is left to whom you want, when you want, and in the way you want
- Saving as much as possible on taxes, professional fees, and court costs

What Are The Risks With Incomplete Or No Estate Planning?

If you do not set up an estate, or if your estate is not set up properly, risks include:
- Loss of control of your funds
- Unintended tax liability
- Unintended personal liability

As an example, if your estate does not clearly define who inherits your assets, your loved ones could face a burdensome probate process.

How To Register

Please register with Kevin Rucker by October 19th for the October seminar and by November 9th for the November seminar (415.674.4874 or [email protected])


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members. CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, please consult your tax and/or legal advisor.

Phoenix Society of San Francisco 26th Annual Old-Timers' Night Dinner

The Phoenix Society of San Francisco’s 26th Annual Old Timers’ Night Dinner is coming up on November 7th to honor retired SFFD Veterans and to thank them for their service. Our firefighter members and their family are invited to join the celebration of these firefighters who dedicated themselves to protecting San Francisco.

Date: Wednesday, November 7th, 2018
Time: Cocktails Start @ 6:00pm, Dinner Starts @ 7:00pm
Location: Spanish Cultural Center – Patio Español
2850 Alemany Blvd at Farragut Ave, San Francisco

To reserve a table, please call and leave a voice mail for* Phil Reid after September 30th* at 415.285.7392. Please call early to reserve a table for up to 10 people. The deadline is Wednesday, October 31st.

2019 Board Election Notice

The Annual Meeting of the Members and elections of volunteer officials will be held on Presidents’ Day, Monday, February 18th, 2019, at the Spanish Cultural Center located at 2850 Alemany Blvd. in San Francisco.

There are four positions on the Board of Directors which are up for election. Nomination petitions must be received at the Main Branch of SF Fire Credit Union by November 20th, 2018.

To obtain additional information regarding election procedures, write to:
SF Fire Credit Union
ATTN: Jennie-Sue Nuccio
3201 California Street, San Francisco, CA 94118

Join Us

You might have heard a lot about credit unions and wondered what makes us different than banks. While credit unions provide many of the same services as traditional banks, there are key differences. 

What is A Credit Union?

A Credit Union is a not-for-profit financial cooperative, much like your favorite food or building co-op, and is owned by the members; there are no “shareholders”. Usually a Credit Union serves a particular demographic or profession, such as firefighters, and often also serves the local community at large. Any profits made are returned to the members through low rates on loans, competitive rates on savings, and as few fees as possible.

This philosophy is exemplified in our mission statement: Built by San Francisco Firefighters and committed to the financial safety and security of our community.

Who can join SF Fire Credit Union?

We are an “open charter” credit union – meaning that our membership is not exclusive to our firefighting community. If you belong to any one of the following groups, you’re eligible for membership at SF Fire Credit Union:

  • Individuals who live, work, worship or attend school in San Francisco, San Mateo or Marin County
  • San Francisco Firefighters (Active or Retired)
  • Firefighters in San Francisco, San Mateo or Marin County (Active or Retired)
  • Members and Employees of Local IAFF 1171 – Santa Clara City Firefighters
  • Active members of the California State Firefighters’ Association
  • Family of SF Fire Credit Union members (Spouses and Domestic Partners; Parents, Grand- and Great-Grand Parents, Children, Grand- and Great-Grand Children; Siblings; Fathers-, Mothers-, and Siblings-in-Law; and the Spouses, Domestic Partners and Children of the family members listed.)

We welcome you to apply, and our Contact Center is here to answer any additional questions you might have.

How do I join?

You may apply for membership online at the “Join Now” link below. For other options, such as downloading a paper application packet, please click the “Other Ways to Apply” link.

Join Now
Other Ways to Apply

The 2018 San Francisco First Responders Stair Climb Recap

SF Fire Credit Union was proud to support the 2018 San Francisco First Responders Stair Climb. The event was a success. Fellow San Francisco firefighters and their supporters scaled the 1,197 steps / 52 floors, to the top of the Bank of America Building at 555 California Street.

About the Campaign

The San Francisco First Responders Stair Climb was started to raise awareness and bring support to First Responders suffering from Post-Traumatic Stress injuries. We participate in this event each year in remembrance of those who have given their lives, and those Fire Fighters, Police, EMS, Military, and Dispatchers whose lives are forever affected by exposure to traumatic events. The non-profit funds raised will pay for First Responders throughout the state of California to attend PTSD programs. We climb to save the lives of those who save yours.

Visit sfstairclimb.com to learn more.

No Lender Fees Through September 30th

Have you considered refinancing your mortgage, or maybe purchasing someplace new? SF Fire Credit Union is here to help. We’re covering the lender fees you would normally incur for purchases or refinances—even the fees for refinancing a mortgage or Home Equity Line of Credit (HELOC) you already have with us.

$795 Lender Fee Credit for a Limited Time

Normally, you would pay $795 in lender fees as part of the closing costs on a Fixed Rate 1st Mortgage. This covers:

  • Credit Report Fee
  • Document Prep Fee
  • Flood Certification Fee
  • Processing Fee
  • Tax Service Fee
  • Underwriting Fee

During this promotion, we will credit you for these fees at closing.

Fixed or Adjustable Rate Loans

Depending on your situation, a fixed or adjustable rate loan might be the best choice. We have a variety of loan terms to meet your needs.

Get Started

*SF Fire Credit Union is the lender for first and second mortgage loans plus home equity lines of credit and home equity installment loans.
SF Fire Credit Union NMLS #262686. 3201 California Street, San Francisco, CA 94118. Terms and conditions apply. All loans are subject to credit approval. Promotional period ends September 30, 2018.

Sensitive Document Destruction Day - Sept. 1st

SF Fire Credit Union is happy to host the second Sensitive Document Destruction Day of 2018. Industrial shredding trucks will be on-site at our Stonestown Branch on Saturday – September 1st 9am-3pm.

Paper products will be destroyed on-site in the trucks. Plastic materials such as CDs, DVDS, Videotapes, and Cassettes won’t be shredded on-site. They will need to be taken to an off-site facility for destruction. Due to the event’s popularity, expect a wait time. Limit: A maximum of 4 boxes or bags of material per member. If you have any questions, please feel free to contact us.

You’re invited to bring any personal documents, including:

  • File Folders
  • Checkbooks
  • Credit Cards
  • CDs & DVDs
  • Videotapes
  • Cassette Tapes

Items that can’t be shredded:

  • Wet Materials
  • Large Metal Clips
  • Plastics
  • Medical X-Rays
  • Binders
  • Cardboard
  • Books
  • Boxes

Please be sure to go through your belongings prior to the event. You do NOT need to remove paper clips, staples or binder clips.

Message from Kathy - Summer Update

Summer is here, and with its arrival, I’m proud to reflect on a quarter of consistent refinement to our services. Now that the major technical lift of launching our new mobile and online banking system is behind us, our team has been focused on delivering on our credit union commitment to give back to members.

To deliver faster and more knowledgeable member support, we have made a significant increase in staffing to our contact center and real estate teams. Training and integration of our new staff is underway and we’re excited for you to get to know them.

As of Memorial Day, we launched our Double Reward Points program, giving members double points on all purchases made with their Platinum Visa Credit Card through Labor Day – a great way to get even more out of your card this summer.

We have also made it easier for members to access their money on the go by doubling our rebates on ATM surcharges (increasing from six to twelve rebates per month) and removing our Out-Of-Network ATM fee.

Over the next quarter, we look forward to delivering continued improvements to your experience with SF Fire Credit Union whether you interact with us online or in-person. Your ongoing support of SF Fire Credit Union is an inspiration to our entire team and it’s an honor to serve this community.

Kathy Elser
President and CEO

ATM Anywhere Rebates Update

12 ATM Rebates Per Month

Are you traveling and need cash on the go? SF Fire Credit Union now reimburses you for up to 12 ATM surcharges per month on out-of-network ATMs*.

No Out-Of-Network Fees

We’ve eliminated our $2 fee per out-of-network withdrawal.

CO-OP Network: No Surcharges, No Fees

Want to avoid withdrawal fees altogether? Keep an eye out for the CO-OP Network of almost 30,000 ATMs nationwide – no surcharges, no fees, ever. Find CO-OP Network ATMs here.

Free Point-Of-Sale Cash-back Option

You can take advantage of the free cash-back option when making purchases at grocery stores and similar merchants.

*Up to $4 per surcharge rebate. Please allow up to 2 business days for reimbursement.