Latest News

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

Latest News & Firefighter's Corner

Double Extra Awards™ Points, All Summer

Wherever you’re going, your SF Fire Credit Union Platinum VISA® Credit Card is here for you. And you’ll earn double Extra Awards™ Points on purchases between Memorial Day Weekend and Labor Day.

Double Points, All Summer Long

Your Platinum VISA typically earns 1 point for every dollar you purchase with your card. And until Labor Day, you’ll earn twice the rewards, redeemable for cash, discounts on travel, or online gift certificates.

Live Fee Free

Our Platinum VISA lets you control your costs with:

  • Low Interest Rates
  • No Balance Transfer Fees
  • No Cash Advance Fees
  • No Overlimit Fees

Travel in Style

Whether you’re traveling near or far, your credit card with SF Fire Credit Union can help, with features including:

  • Visa Travel Services – Auto Rental Collision Waiver & Emergency Assistance Services
  • EMV Chip Technology for Greater Security
  • No Foreign Transaction Fee
  • No Currency Exchange Fee

Find Your Points, Get Your Rewards

When you’re ready to use your points, here’s how you do it.

Home Equity Loans vs. Home Equity Lines of Credit: What's the Difference?

When you own a home, you’re building up equity. When you want to access that equity (to pay for a remodel, for example, or to pay off other loans), you have two different loan options: a Home Equity Loan or a Home Equity Line of Credit (HELOC). There are certain key differences that will determine which is right for you.

Home Equity Loan

A Home Equity Loan might be the best fit if you’re planning to use the money in a lump sum for a one-time expense such as consolidating debt or paying for a wedding.


  • A Fixed Interest Rate for 15 Years
  • Fully-Amortized Terms So You Can Budget for a Fixed Monthly Payment
  • No Points*

*A Point is a fee paid, usually with First Mortgages, to qualify for a lower interest rate. A 1 Point fee represents 1% of the loan balance.

Home Equity Line of Credit (HELOC)

A HELOC is a revolving line of credit, which means the funds are waiting for you whenever you need them. This might be the best fit if you’re planning a long-term remodeling project in different stages. You only need to borrow the funds you need at a given time, which means you only pay interest on the existing balance owed.


  • A Variable Interest Rate Adjusting Quarterly
  • A Ten-Year “Draw” Period to Use the Funds as Needed (Followed by a 15-Year Repayment Period for Any Remaining Balance Due)
  • Low Payments – Interest-Only Option During the Draw Period

What’s Right for You?

Every situation is unique. Our experienced team of loan professionals will listen and help you determine the right path for your needs. Call us at (415) 674-4803 or email us to learn more.

Download An Infographic

Why Join A Credit Union?

SF Fire Credit Union is a not-for-profit financial cooperative; we’re different than a bank in that our members (account-holders) own the Credit Union. As such, our members are our top priority.

Why Join a Credit Union?

Unlike a bank, we return profits directly to our members through:

• No or Low Fees
• Low Loan Rates
• 12 ATM Surcharge Rebates Per Month
• Competitive Savings Rates
Free Financial Education Courses

We’re here to empower our members to accomplish their dreams and build lasting financial security.

A Community-Minded Institution

As a Credit Union, we’re rooted in the community. Our efforts to give back include:

• Supporting local firefighter events and organizations, like the SF Firefighters Toy Program
• Providing a free Financial Education Center, available to members and non-members alike
• Shred Bins in the branches for secure disposal of your sensitive documents

Join Now

You can quickly and conveniently apply for membership online here.

Community Safety Fairs - Summer 2019

In an Emergency, Do You Know What to Do?

The San Francisco Fire Department is conducting Community Safety Fairs throughout the year in each of the 10 Battalions. This is an effort to connect the communities they serve with their local Firefighters, EMT’s, and Paramedics, to allow local communities to meet the members of their nearby Fire Stations, and to provide the community with an overview of what the SFFD does.

Who Will You Meet?

Participating at each Community Safety Fair are the following:

1. Public Information Officer
2. Bureau of Fire Prevention Education Team
3. Fire Recruitment Team
4. EMS Medics for hands-only CPR and BP and Stop the Bleed
5. Battalion Members meeting the people they serve
6. NERT for disaster preparedness
7. Department of Emergency Management for 911 calls and disaster preparedness

What Will You Learn?

The Community Safety Fair will include Fire Prevention and Education materials, demonstrations such as how to use a Fire Extinguisher, and answers to inspection questions. Department members will teach hands-only CPR, and a Recruitment team will be available to answer questions related to the hiring process. Free Smoke detectors will be available while supplies last to residents of San Francisco.

When & Where are the Safety Fairs?

You can check the full schedule of dates and locations at the SFFD site here. Not all details for the year’s schedule have been confirmed yet.


For questions about SFFD’s Community Safety Fairs, please contact the SFFD Public Information Officer, Jonathan Baxter, at: (415) 558-3404, or [email protected].

Message from Kathy

Spring has arrived, and with it, a season of events, new products, and new financial tools from SF Fire Credit Union.

I’d like to give a big thank you to the 308 members who attended our 68th Annual Meeting on February 18th. It’s an honor to see our membership come together in celebrating the history of our credit union and guiding its future. We also had the honor of awarding Arthur F. McIntyre Scholarships to four inspiring students: Kaitlin Kelly, Katherine Brown, Elise Styles and Kathryn Haberman. Congratulations to each of you—we wish you continued success in life and the classroom!

To help our members achieve financial goals big and small, we have unveiled a new online Financial Education Center, filled with simple guides on topics ranging from building emergency savings to considering the pros and cons of home ownership. You can visit the Financial Education Center at
You may have also noticed that our online banking platform now provides FICO® Scores to help you closely monitor your financial health—the first step in a series of updates and new features that we will introduce throughout 2019.

We will also be holding our first Sensitive Document Shred Event of 2019 on May 1st and May 4th at our Stonestown location from 9am to 3pm. Join us and wrap up your spring cleaning by keeping your personal information safe.

Looking forward to summer, we are preparing to introduce several new products and online services that will make your money easier to track and manage than ever before. So enjoy your spring and stay tuned—there’s more on the way!

Kathy Duvall
President and CEO

Rates Are On The Move; We'll Help You Keep Up

Daylight Saving Time is here, which means your clocks sprang forward. Is it time for your savings to spring forward too? Dividend rates on Term Certificates are increasing.

Get More For Your Savings

You can more easily reach your savings goals by opening a Term Certificate, such as an 18-Month Bump Up Certificate with an APY* of 2.43% as of March 5th. To review all our current rates for Term Certificates, click here. A Term Certificate earns a higher dividend rate than the other savings accounts, such as our Tiered Savings account.

What If Rates Go Up After I Open a Term Certificate?

If the offered dividend rates for new certificates go up again in the next few months, you don’t have to miss out. One advantage of the 18-Month Bump Up Term Certificate is flexibility; if rates increase in the future, you can raise your dividend rate to match the new rate, once per the 18-month term.

*APY for 18-Month Bump Up Term Certificates as of March 5th, 2019. Rates are subject to change at any time.
Term Certificates = Minimum deposit of $250 required. Additional requirements may apply for Business Memberships; please contact us for further details.
APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days.
Transfers from external accounts are limited to $10,000 per day and $50,000 per month. Funds may not be immediately available.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
If you have any questions or need current rate information on your accounts, please call 415.674.4800 or 1.888.499.FIRE (3473) from 7AM to 8PM (Pacific) Monday – Saturday.

A New Financial Education Center

A New Financial Education Center: The Answers You Want, When You Want Them

Everyone has questions about financial topics: retirement, loans, how to save, and more. We’re here to help, even late at night or early in the morning. Our new online Financial Education Center will help you research and learn what you want to learn at any time.

What’s the Financial Education Center?

The Financial Education Center is a library devoted to financial literacy and includes a variety of interactive modules and financial calculators to help you learn what you need to learn to thrive. It covers a wide range of topics, from the A to Z of Banking Basics to planning for Home Ownership and Retirement. While there are four main categories of topics, described as ‘playlists,’ you can take any module or use any calculator at any time.

What can I learn?

Everyone has their own individual needs and circumstances. However, there are certain modules available in our Financial Education Center that might be of universal assistance when it comes to setting and fulfilling some common goals. We suggest looking at:

Building Emergency Savings – Worried about those surprise rainy days? Need tips on how to plan for them? Check out this module.

Taxes – Tired of being surprised by a tax bill? Want to figure out your tax situation? Here are some answers.

Retirement 101 – Want to start planning a route a leisurely retirement? Start here.

Credit Scores + Reports – What does your Credit Score mean? How can it help or hurt you? How do you control it?

Message from Kathy

And just like that, we’ve flown through the holidays and into a new year. I hope that you have all enjoyed a relaxing holiday season with family and friends.

In looking back at 2018, I see a year that has been a challenging journey for our credit union. We have invested time, energy, and resources in updating our online platform and internal processes, significantly expanded our Contact Center, and worked to improve our member service.

While I wish I could say we have achieved all we set out to accomplish, the truth is we aren’t quite there yet. Some of the improvements we promised you haven’t yet happened. And some of the long-term changes we have been focused on have produced unexpected short-term service problems for our members.

You deserve, and should expect, excellent service from your credit union every day on the phone, online, and in person. I’ll be the first to admit that hasn’t always been the case over the past year.
But I am proud of the progress and resilience I have seen from our team.

Your credit union is evolving for the better every single day. The seeds we have planted in 2018 with internal changes and new approaches will blossom in 2019, bringing you a credit union with stronger service, better products, and the long-term security to maintain our tradition of member and community service.

I have also been inspired by the support we have seen from our members over the course of the year. You have demonstrated your commitment to this credit union time and again, from our annual meeting in February, through a summer of firehouse visits and activities, to joining us in supporting the SF Firefighter Toy Program during the holidays.

In short, our credit union is financially sound, our membership is dedicated, and our team is stronger than ever.

The stage is set for a great year. I look forward to sharing it with you.

Kathy Duvall
President and CEO

Santa Sightings at the Credit Union

Did you catch a Santa Sighting this year?

Santa Days

As ever, Santa Claus (retired SFFD Firefighter Bob Cuff) provided a highlight of the holiday season for SF Fire Credit Union, visiting the branches to pose for photos with members, staff, and firefighters. Thank you to Stations 1, 10, 15, and 19 for joining in the fun. Santa dropped by to help support the hard work of the SF Firefighters Toy Program, and our members responded with donated toys in the toy barrels and cash in the donation jars.

Santa ca-st

Santa sttwn

Employee Bake Sale

On December 11th, not only did Santa visit the California St Branch, but also SF Fire Credit Union staff baked delicious holiday treats for our annual Employee Bake Sale (all proceeds benefitting the Toy Program). Thanks to our members, we raised almost $500 for the Toy Program.

The Toy Program – How to Help

We would like to thank our members, who really stepped up with toy donations this year. Our branches collected ten barrels of toys for the Toy Program. Your generosity makes a big difference in the lives of children.

While the Toy Barrels are being picked up on December 18th, you will still be able to donate cash in the branches until Christmas. You can also donate to the Toy Program online using the link below:

Donate Now