Latest News

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


Workshop: Understanding Social Security for Married Couples & Divorced Spouses

This workshop has been postponed. A future date will be announced soon. We apologize for any inconvenience this may cause and will update this page with more details about the new date.

Looking at the Big Picture

When you think about retirement, you often think of your 401(k), pensions, and personal savings and other assets you’ve worked hard to build over the years. Social Security is the other asset you have been building through your working years that you may not be considering as part of the picture. The benefits you may be entitled to receive through Social Security could add up to a significant part of your retirement income, changing the picture you may already have in mind.

How do Benefits Work for Married Couples?
For married couples, a spouse can be entitled to as much as one-half of the retired worker’s full benefit, regardless of their own earning record. Therefore, spouses who have their own earnings records have the choice of receiving either 50% of their spouse’s benefits or the benefits they earned on their own, whichever is greater.

When your spouse predeceases you, you have another choice to make if you have been receiving benefits on your own earnings record and your deceased spouse had a higher benefit: you can elect to upgrade to the higher benefit as the survivor. The implication is that if you or your spouse expects to be long-lived, you are probably going to want to make selections that will lock in the highest benefit stream possible from Social Security. For many, this may mean holding off on filing for benefits until at least reaching the full retirement age.

Benefits for the Divorced
Although a former spouse may no longer be part of your day-to-day life, their Social Security benefits may be able to support you throughout your retired life. If you are a divorcee, you can determine if you are eligible to receive spousal benefits through your ex-spouse. If you decide to file for spousal benefits, it will not affect the amount of your former spouse’s benefit, nor will it affect his or her current spouse’s ability to receive benefits.

Food and refreshments will be provided.

*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.
San Francisco Fire Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Message from the President: Happy New Year

On behalf of everyone at the credit union, I hope all of our members had a wonderful holiday season. Once again, I was amazed by your generosity with our efforts to support the SF Firefighters Toy Program. Thank you for your donations, which totaled over $17,000 this season and benefit an organization which touches the lives of so many children. Congratulations are also in order for our firefighter members, as well as those who aspire to become firefighters. We’d like to recognize those who were honored at the San Francisco Fire Department’s Meritorious Ceremony on December 8th, as well as the 118th Firefighter Recruit Academy, who were sworn in as firefighters and firefighter-paramedics on December 18th. To the thirty-one graduates of the City College of San Francisco Fire Academy’s Class 16 (Fall 2015), we wish you luck in your pursuit of a career in the fire service.

The past year has been a good one for SF Fire Credit Union. While we’re still in the process of finalizing our financials for 2015, I’d like you to know that we’re doing well with steady growth and continued profitability. Our capital reserves now exceed $90 million, and should assure members that we’ll be serving you well into the future. We strive to provide an exceptional level of service, and to meet member expectations in a financial services market place which is continuously evolving. Enhancements were made to our card programs to improve convenience and security. We launched Apple Pay, which allows members to make payments using their Apple supported devices. We incorporated mirco-chip technology into our credit cards, for greater security and global usability. The Stonestown Branch was remodeled, to improve the ‘flow’ of the branch and service experience at that location. And just before the holidays, we introduced an easier-to-use online home loan application.

We’ve got a lot planned for 2016. This winter will bring the launch of our much-anticipated and long-awaited new Online Banking System, which will offer enhanced security that includes unique user IDs for joint owners and two-factor authentication. Chip-enabled technology will be added to our debit cards this coming spring. Those who have an Android smartphone will be able to make payments with them, as Samsung Pay and Android Pay are coming later this year. And of course, we’ll continue holding events that have proven to be popular with members. Information regarding document shred days and educational seminars will be soon to come.

In closing, I’d like to thank you for your continued loyalty and support. I hope to see you in the coming year, be it at the annual meeting, a branch, or a member event. But in the meantime, know that I always welcome your questions and comments. Please feel free to contact me directly via our website (“Ask Darren”), Twitter (@SFFireCU) or mail at our California Street address.

Darren Herrmann, President & CEO

Congratulations to our Firefighters

We’d like to congratulate the following for their achievements:

The 45 Recruits (37 firefighters and 8 firefighter-paramedics) of the *SFFD 118th Firefighter Recruit Academy
h4. Sworn in on December 18th, 2015

The 31 graduating cadets of the *City College of San Francisco Fire Academy, Class 16
h4. Fall 2015 Semester

Those honored at the SFFD Meritorious Ceremony
December 8th, 2015

Endowed Medals

  • Rainey
  • Sullivan
  • Scannell

Class “A”
The bravest act performed by a member of the Department during this meritorious period in the saving of human life, while engaging in the performance of duty.

  • Lt. Christine E. Emmons, Rainey Medal, Class “A” Award
  • Lt. David J. Monteverdi, Sullivan Medal, Class “A” Award
  • FF/PM Michael D. Kirk, Scannell Medal, Class “A” Award

Class “B”
The act under consideration must have been of a voluntary nature in relation to the saving of human life under the most adverse conditions and extreme personal risk.

  • FF Jerry Chiang, Class “B” Award, Class “C” Award

Class “C”
The act under consideration must have been of exceptional character and associated with unusual ability, personal initiative and courage.

  • AC Thomas A. Siragusa, Class “C” Award
  • BC Mark J. Johnson, Class “C” Award
  • Lt. Dean Crispen, Class “C” Award
  • Lt. Daniel B. Griffin, Class “C” Award
  • FF/PM Jonathan T. Baxter, Class “C” Award
  • FF/PM John Christy, Class “C” Award
  • FF/PM Nathan H. Shapiro, Class “C” Award
  • FF Mark T. Hayes, Class “C” Award
  • FF Michael C. Rubin, Class “C” Award

and Congratulations to Class D Unit Citations and Certificate of Commendation Recipients!

65th Annual Meeting of the Members

Join us for the 65th Annual Meeting of the Members.

We invite members to join us on February 15th for our Annual Meeting breakfast where we will present our annual report, announce the 2016 Arthur F. McIntyre Scholarship recipients, and get an update on the state of the credit union from our President & CEO Darren Herrmann and Chairman of the Board of Directors John Sweeney.

Date: Monday, February 15, 2016 (President’s Day)
Time: 9:30 a.m.
Location: Spanish Cultural Center (Patio Espanol), 2850 Alemany Blvd, San Francisco, CA 94112

Parking will be available, and a complimentary breakfast will be served.

This event is for SF Fire Credit Union members only. For event planning purposes, members were asked RSVP by February 10th.

2016 Arthur F. 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.


  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 2016 Arthur F. McIntyre Scholarship submissions is February 1st, 2016.

Awarding of Scholarship

Those who have been selected as scholarship recipients will be notified on or by February 11th, 2016. Recipients will be publicly announced at our Annual Meeting on February 15th, 2016, and posted on our website on February 16th, 2016.

UPDATE: Congratulations to the following recipients of this year’s scholarship:

*Angela Baciocco (High School)
*Hannah Fewell (High School)
*Felix Deng (College)
*Laurie Purdy-McFadden (College)

About Arthur F. McIntyre

Arthur retired from the San Francisco Fire Department in 1976, after 30 years of service – the majority of which were spent at Engine 17, located behind the Mint at 5th and Jessie.

In addition to his career as a Firefighter, Arthur was also a veteran of WWII, a referee for both High School and College level basketball, a supervisor of the officials for the Pac Ten Conference, and was a key advocate for the improvement of working conditions for Firefighters in San Francisco.

In 1951, at the request of then Fire Chief Edward Walsh, Arthur became the first manager of SF Fire Credit Union. Through his vision and tireless efforts, Arthur served as the spark that made the Credit Union what it is today.

Annual Privacy Notice

We are required to notify our members annually of their privacy rights. Financial institutions choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. If you have responded to us in the past, that response still applies.

Privacy Notice - PDF

To read more about the types of information we share, please click here or download the PDF above,.

Take Advantage of Year-End Clearance Pricing

Finance Your Next Vehicle with SF Fire Credit Union

Keep SF Fire Credit Union in mind when you’re out shopping for a new (or used) car this holiday season. With tempting year-end clearance pricing, our low rate Auto Loans could help you get into a new (or new-to-you) vehicle for the new year.

Model Year-End Clearance Pricing

We’re embarking upon the time of the year when auto dealers switch out their 2015 inventory to their new 2016 inventory, which is a great time for buyers to take advantage of model year-end sales and dealership rebates. Not only could you get a better deal on your purchase, but also it may be easier to negotiate your way to a lower price. Year-end clearance deals coupled with our low Auto Loan rates could prove to be a great savings opportunity.

The Perfect Card for the Holiday Season

Travel Services, Free Rewards, and More

Our Platinum Visa offers an impressive variety of benefits, from helpful travel services to a rewards program with no annual fee. Consider using your SF Fire Credit Union Platinum Visa this holiday season for your travel or purchasing needs.

Travel Services

Our Visa comes with free benefits that are there to help save you money, and protect you as a consumer. The Visa Auto Rental Collision Damage Waiver benefit can provide – at no additional charge – reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. For more information contact us or click here.

Your card also provides Emergency Travel Services. This can be helpful when you don’t know where to turn. You can count on a wide range of Visa emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year. For more information contact us or click here

2015 Employee Pumpkin Contest Winners

Congratulations to our Payment Systems department for earning the most votes in this year’s Employee Pumpkin Contest!

Runners up included Collections & Lending and the California Street Branch.

Thanks to everyone who voted, and to our employees for their creativity! We hope everyone had a fun and safe Halloween.

Message from the President: Autumn Update

Autumn has arrived, bringing with it an opportunity to reflect on the summer of 2015, and share what’s on the credit union’s horizon for the coming months. It was certainly a busy summer for our members, with a flurry of borrowing correlated with what I hope was an active and memorable season for all. We appreciated being your travel credit card of choice, and were happy to provide financing to purchase your cars (including at our August Car Sale at the Cow Palace), recreational vehicles, and motorcycles. We exist to meet your financial services needs, and are grateful you give us the opportunity to do just that. A loyal and engaged membership has always been the key to SF Fire Credit Union’s success, and I’m pleased to report that our financial performance remains strong with continued profitability and ability to add to capital reserves.

It was also a busy summer here at the credit union. We completed our launch of EMV chip-enabled credit cards, which provide members with a high level of security as well as greater global usability.
All credit cards have been reissued, and we expect to begin reissuing EMV chip-enabled debit cards
in early 2016. We also remodeled our Stonestown branch, in a manner we believe improves the service experience at that location.