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Latest News & Firefighter's Corner

On the Move: Term Certificate Dividend Rates Have Increased

Are you saving for a once-in-a-lifetime vacation, or maybe a down payment on a new home? It’s easier to reach your financial goals with increased dividend rates on Term Certificates with SF Fire Credit Union.

Flexible Options

Whether you’re looking a few months down the road, or working on a five-year plan, we have term certificates that meet your need, anywhere from 3 months to 60 months. The* 18-Month Bump-Up Term Certificate* gives you extra flexibility – if the offered rates for that term go up again after you open the account, you can (once during the 18-month term) have your dividend rate increased to the new rate.

Current Dividend Rates for Term Certificates

The longer the term, the higher the dividend rate you will earn. Standard Term Certificates have a required minimum deposit of $250, and Jumbo Term Certificates have a required minimum deposit of $100,000.

Term Certificate Rates

Minimum Deposits

Term Certificates = Minimum deposit of $250 required.

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.

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 from 7AM to 8PM (Pacific) Monday – Saturday.

Term Min. Deposit Min. Balance APY* Dividend
3 Month $250 $250 0.40% 0.40%
6 Month $250 $250 0.90% 0.90%
1 Year $250 $250 1.76% 1.75%
18 Month Bump Up $250 $250 2.02% 2.00%
2 Year $250 $250 2.27% 2.25%
3 Year $250 $250 2.78% 2.75%
5 Year $250 $250 3.04% 3.00%

Jumbo Term Certificates

Jumbo Certificates = Minimum deposit of $100,000 required.

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. Unless otherwise paid, excluding IRA’s, dividends will be credited to your account and compounded every month.

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 from 7AM to 8PM (Pacific) Monday – Saturday.

Term Min. Deposit Min. Balance APY Dividend
3 Month $100,000 $100,000 .50% .50%
6 Month $100,000 $100,000 1.00% 1.00%
1 Year $100,000 $100,000 1.92% 1.90%

Upcoming SF Firefighters Toy Program Events

The SF Firefighters Toy Program is hard at work to serve and uplift the community, (toy) barreling into December with several fun events to raise funds and collect toys to distribute to children and families in need.

December 16th and 23rd: Santa Sundays

Come to the Pier 39 Entrance Plaza between 1 PM and 4 PM with a toy or cash donation to get a picture with Firefighter Santa. You can ask him if he’s considering mixing sea lions in with the reindeer.

Dec 10th + 11th: SF Fire CU Santa Day + Toy Program Fundraiser (including toy barrels)

Stop by the Credit Union to donate a toy or cash and get a picture taken with Santa. Santa’s schedule:

  • Pacifica Branch – Monday, Dec. 10th – 10am – 11:30am
  • Stonestown Branch – Monday, Dec. 10th – 1pm – 4pm
  • Mint Plaza Branch – Tuesday, Dec. 11th – 10am – 11:30am
  • California Street Branch – Tuesday, Dec. 11th – 1pm – 4pm

December 16th: Zoo Day 10:00 AM – 2:00 PM

The Toy Program will be hosting 100 children between the ages of 5-13 for a day of mentoring and fun activities at the SF Zoo, between 10 AM and 2 PM. The goal is to raise self-esteem and cultural awareness for kids. We invite you to apply by emailing [email protected]

Dec 16th: Letter Reading Party 6:00 PM – 8:00 PM

The Toy Program is looking for volunteers to read letters from kids to help select 100 winners for “Bike Day”. For any questions, please contact [email protected]

Dec 20th: Ethnic Doll + Cultural Book Drive 5:00 PM – 8:00 PM

Help the Toy Program raise self-esteem and cultural awareness at Don Ramon’s Mexican Restaurant between 5 pm and 8 pm. $50 donation, or a donation of $25 plus an Ethnic Doll or Cultural Book. Kids are welcome! RSVP to [email protected]

Limited Time - Holiday Loan, Now Through January 31st

During the holidays, a lot of us have more expenses than normal: gifts, travel, maybe even a festive feast for an extended family. Financing these expenses can be a great solution. Between now and January 31st, 2019, SF Fire Credit Union is offering a 12-month Signature Loan at 2% below the normal rate for that type of loan.

Fixed Rate for Your Peace of Mind

A Signature Loan is an unsecured personal loan with a fixed rate for the life of the loan. With the Holiday Loan Promotion, the APR starts as low as 8.74%.*

Questions? We’re Here to Help

You can apply for a loan at any time through Online (Desktop) Banking. And if you have any questions, you’re welcome to call the Contact Center or stop by the branch, where our representatives can also help submit your application. The Contact Center is available Monday – Saturday, 7:00 AM – 8:00 PM (Pacific), at 888.499.FIRE (3473). Our branches are open from 8:30 AM – 6:00 PM (Pacific), Monday -Friday, and 8:30 AM to 3:00 PM on Saturdays.

Already a Member?
Apply Now in Online Banking

Not a Member?
Join SF Fire Credit Union

* APR =Annual Percentage Rate. All Personal Signature Loans are subject to credit approval. The actual rate will be based on credit-worthiness.
Holiday Promotion Rate applies to 12-month Signature Loans applied for between now and January 31st, 2019.
The maximum aggregate unsecured credit limit is $50,000 per member.
Payment example: A $5,000 loan at 8.74% for 12 months would have monthly payments of approximately $436.64 each.

Wildfire Disaster Relief for IAFF Firefighters

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California Wildfire Disaster Relief for International Association of Fire Fighters (IAFF) Members

As the California wildfires continue to rage across the state, more than 60 IAFF members have already had their homes destroyed, while hundreds more who have been evacuated — many who continue to work on the fire lines — don’t yet know the status of their homes.

To date, more than $163,000 in direct financial assistance has been distributed to IAFF members and their families, with more requests for disaster relief anticipated as the IAFF works to determine the status of members’ homes currently listed as unknown.

The best way you can help the brave firefighters fighting to help others is to donate to the IAFF Disaster Relief Fund, which provides assistance to IAFF members and their families in their times of need. Donate today with a tax-deductible contribution online.

Santa Claus Is Coming ... To The Credit Union

‘Tis the season! Drop by one of our branches to have your photo taken with Santa.
Every kid (or kid at heart) can get a free photo to take home.

Young and old alike enjoy visiting Santa Claus (SFFD Retiree Bob Cuff) every year at our branches. This year he’ll be in town on the following dates:

  • Pacifica Branch – Monday, Dec. 10th – 10am – 11:30am
  • Stonestown Branch – Monday, Dec. 10th – 1pm – 4pm
  • Mint Plaza Branch – Tuesday, Dec. 11th – 10am – 11:30am
  • California Street Branch – Tuesday, Dec. 11th – 1pm – 4pm

We’ll have a photobooth available at the Stonestown Branch and the California Street branch during Santa visit hours.
California Street Branch will be hosting its annual Bake Sale on Tuesday, December 11th.
All Bake Sale proceeds will go to the SF Firefighters Toy Program.

See you there.

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

It’s now easier to reach your savings goals. SF Fire Credit Union has raised the dividend rates you earn for investing in Term Certificates.

The Longer the Term, the Higher the Rate

Depositing your money for a certain length of time should bring proportionate rewards. Accordingly, you earn a higher dividend rate the longer the term of the certificate you select. Whether you are depositing into a standard Term Certificate (with a low minimum deposit requirement of $250), a Jumbo Term Certificate (for deposits in excess of $100,000), or a Traditional or Roth IRA Term Certificate, you will find competitive interest rates that fit your needs.

Don’t Miss Out: A Flexible Savings Option

With our 18-Month Bump Up Term Certificate, you won’t miss out if rates at SF Fire Credit Union go up in the future. You can raise the dividend rate to match our updated rate once during the term of your term certificate.

For our current savings rates, please click here.

SF Firefighters Toy Program - How to Help

Donate web2

The SF Firefighters Toy Program distributes toys seasonally to over 40,000 kids in need and responds on a year-round basis to children and families in crisis.

How to Help the Toy Program

SF Fire Credit Union has Toy Donation Barrels in our branches, so you can drop off a toy when you visit us.

You can also donate money directly using the link below:

Donate Now

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

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

2019 Arthur McIntyre Scholarship

About the Scholarship

Every year, the scholarship program awards $2,500 each to two high school-level and two college-level students.

The purpose of this scholarship is to educate our members about credit unions. The essay topic explains the credit union philosophy and relating it to the individual, the community, and the country as a whole — now, and in the future.

Eligibility

  1. Student must be a member of SF Fire Credit Union in good standing.
  2. Enrolled as a full-time student in an accredited university, college, community college,
    or high school.
  3. Current grade point average of 2.5 or higher.
  4. Previous scholarship recipients must wait one year after awarding of a scholarship to apply again.

To Apply

Please complete the application packet and prompt found here.
The deadline for the 2019 Arthur F. McIntyre Scholarship submissions is February 1st, 2019.

We’ll be notifying the winners via phone, and inviting them to attend the Annual Meeting (February 18th) to receive their scholarship (check) in person – which is not required.

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