Latest News

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

Latest News & Firefighter's Corner

2019 San Francisco First Responders Stair Climb

The annual San Francisco First Responders Stair Climb is almost here. It’s an opportunity to save the life of a First Responder; the registration fees and donations benefit the National First Responders Fund.

This year’s Stair Climb has moved to the iconic Salesforce Tower, rewarding climbers with a stunning view. Come prepared for refreshments, music, and fun.


  • Where: Salesforce Tower, 415 Mission Street, San Francisco
  • When:  September 7, 2019, 8 AM – 2 PM (Registration closes at 5pm on 9/4/19.)
  • What: 1762 stairs, 61 flights


For more details, or to register, volunteer, or donate, visit the official site here. Or if you would like to join an SF Fire Credit Union team and climb with fellow members and Credit Union employees, click here.

Auto Loans - Keys To The Process

The end of summer often brings car sales, as auto dealerships prepare for the new models in the fall. Is it time for a new car for you or your family? SF Fire Credit Union has the same low rates for both New and Used Auto Loans.

Things to Consider Before You Shop

How would a new car loan fit your budget? What determines the interest rate? Our Financial Education Center has some useful modules on auto loans, building and using credit, and even a Budgeting Calculator that could help you gauge what you could afford. If this will be your first car loan, you’ll possibly find the overview of Auto Loans particularly useful.

Do Your Research: Auto Buying Services

When it comes to investing in a car, it’s important to find the right one for your needs. We offer complimentary Auto Buying Services, Autoland and AutoSmart – two great services that are available to SF Fire Credit Union members for free and will help you identify, locate, and purchase the car that best meets your needs.

Free Appraisals - July 8th Through September 2nd

Is there a new home in your future? We’re here to help you reach that goal. If you apply between July 8th through September 2nd, 2019, we’ll cover the appraisal fee (up to $795).*

Buy or Refinance a Home: We’re Here for You

We’re covering appraisal fees for loans related to purchases or refinances of residential properties. Eligible properties include: owner occupied, non-owner occupied, and second homes. With competitive interest rates, a choice of fixed or adjustable rates, and our tradition of service, we’ll help you get the right mortgage for your needs.

Things to Consider

Home ownership has pros and cons. Whether you’re buying your first home, upgrading, or refinancing an existing loan, there are some useful modules and financial calculators in our Financial Education Center. These can help you figure out the right plan for you.

How to Apply?

Ready to get started? Go here to file an application. One of our experienced loan officers will follow up with you for next steps.

Questions? We’re Here to Help?

Not sure what the right option is for you? Our loan officers are here to listen and help you figure that out. Give us a call at 415.674.4803 Monday through Friday, 8:30 AM – 6:00 PM (PST), or Saturday between 8:30 AM and 3:00 PM (PST).

* For single family residence (SFR) first mortgage applications received from July 8, 2019 through September 2, 2019 and funded by October 18, 2019, SF Fire Credit Union will provide a credit towards loan closing costs for the cost of the appraisal up to $795, not to exceed the actual cost of the appraisal. SF Fire Credit Union reserves the right to terminate this offer at any time without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval and other underwriting criteria. Other conditions and restrictions may apply. SF Fire Credit Union NMLS #262686. SF Fire Credit Union is an Equal Housing Lender.

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.

Message from Kathy

As we head into the second half of 2019, I’m proud to see our credit union community continue to thrive.

In March, we welcomed Jeanine Nicholson as San Francisco’s next Fire Chief – a well-deserved next step in a career of service spanning more than 25 years. In June, we also celebrated the graduation of San Francisco Fire Department’s 125th Fire Academy Class. I know I speak for all our members when I say congratulations and good luck to all 49 graduates. Your dedication and spirit of service are an inspiration to us all.

With the introduction of our new online Financial Education Center over the past few months, we’ve been excited to see our community digging into their finances in a new way. So far, close to 3,000 members have used the tool. With over 50 lessons on topics including building emergency savings, home buying, investing, and debt management, we have modules to help with just about any financial question. Visit our to check out the library for yourself!

The summer months are also coming with some special services and discounts for our membership. Through Labor Day, all SF Fire Credit Union members can get more for their money through:

Double Points on all SF Fire Platinum Visa® purchases – just in time for booking that summer trip.
Free Appraisals (up to $795 value) if you buy your first home or refinance your home.
Everyday Discounts and special rates for our firefighter members.

As always, thank you for your ongoing support. Our loyal members make everything we do possible and we’re proud to help each of you achieve your financial goals.

Here’s to a great summer!

Kathy Duvall
President and CEO

Sunscreen. Check. Sun Hat. Check. FICO® Score Update. Double Check.

This summer, you’ll protect yourself from the sun when hitting the beach. Help protect your credit too by monitoring your FICO® Scores. A quarterly update is now available within Online & Mobile Banking using our FICO® Score feature.

Don’t have the FICO® Score Feature Yet?

If you haven’t already added the feature to your active tools in Online Banking, here’s how you do it.

You have two options for reaching the list of available tools, or ‘widgets’, where you will find and activate the FICO® Score feature:

  • From the dashboard, go to the bottom of the column displaying your active tools and click on “More Options”. This opens a display of more tools; from here, click on Widget Options.
  • Click on your profile name and icon in the upper right-hand corner to open a menu. Choose  Settings, and then click on the  Widgets tab.

Once you find the feature among the available widgets, click “activate.” You’ll also have the option to click the star icon to make it a favorite – one of the top five widgets that displays when you log in.

Want to know more about FICO® Scores?

You’ve added the feature. Want more information about how to use it or what the results mean? You’ll find a useful infographic and details about FICO® Scores here. And click here for a presentation on credit reports and what they tell you.

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