Latest News

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

Latest News & Firefighter's Corner

Disaster Relief: How Our Members Can Help

The news and images from Hurricanes Harvey and Irma have been heartbreaking. In true credit union spirit, many members have asked how they can help.

There are many channels for providing aid. Unfortunately, some people take advantage of disasters to solicit funds under false pretenses. It is important to verify that any organization you help is legitimate. Consumer Reports and Charity Watch are two examples of organizations that provide evaluations that could be helpful to you.

One great way of supporting Firefighters and other first responders is to donate to the International Association of Fire Fighters Foundation at

Other examples of ways to contribute include:

  • Donating money or blood to the Red Cross.
  • Donating money to the Humane Society of America

Additionally, the National Credit Union Foundation has activated an online disaster relief system,, to raise money for credit union members, employees, and volunteers in the disaster areas. You can find information and donate at

Important Election Notice

The Annual Meeting of the Members and elections of the Board of Directors and Supervisory Committee will be held on Presidents Day, Monday, February 19th, 2018, at the Spanish Cultural Center located at 2850 Alemany Blvd. in San Francisco.

There are three volunteer official positions up for election. Nomination petitions must be recieved at the Main Branch of SF Fire Credit Union by November 22nd, 2017.

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

Changes to ACH Debits

As of September 15th, 2017 originators of ACH debit transactions will have the option of processing and settling transactions (debiting your account) on the same day the payment was scheduled. This change is being implemented at all financial institutions in the United States, so it’s important to be aware of how your transactions may be affected.

What is an ACH Debit?

A payment initiated by any given originator using your routing and checking account number.

Who is an Originator?

An originator is any entity – such as a merchant or another Financial Institution – that can initiate an ACH transaction. Examples include:

  • A merchant such as Comcast processing (debiting) a payment for a monthly bill from your account.
  • A lender such as Wells Fargo processing (debiting) a mortgage or consumer loan payment from your account.
  • Another bank or credit union initiating a transfer of funds, pulling from your account at SF Fire Credit Union and depositing to an account at that institution.

Debits May Clear Your Account the Same Day As Scheduled

Up until now these ACH transactions (once they have been initiated on the scheduled due date ) have typically required 1-3 business days to post against (to be debited from) your checking account. Originators will now have the option of “Same Day Debits”. This means a payment or transaction scheduled for on a particular date could clear (be debited from) your checking account with SF Fire Credit Union that same day. It will be up to each individual originator to decide whether to exercise this same-day debit option and cause this change.

Managing Your Expectations

Previously, it was common to schedule a payment with a merchant, have the payment credited to your loan or bill that day, and then still have time to make a deposit or transfer to your SF Fire Credit Union checking account prior to the payment clearing your account. This may no longer be a safe strategy, as you should assume the payment could be taken the same day.

Possible Consequences

It is possible you will see payments rejected if they post to your account sooner than you expected. This could trigger returned item fees from both the Credit Union and the originator.

What You Can Do To Prepare

You may need to adjust when you schedule payments and transfers. There are a few options to consider:

  • Contact originators of ACH debit transactions to change any automatic payment dates or due dates.

  • Adjust dates of scheduled transfers to or from your SF Fire Credit Union checking account

  • Review your Overdraft Protection options for your SF Fire Credit Union checking account, to cover any of these same-day debits.

If you have any questions or need assistance reviewing your Overdraft Protection options or account history, please feel free to contact us at 1.888.499.3473 during our Contact Center hours, 7 am – 8 pm, Monday through Saturday, or visit our branches 8:30 am – 6:00 pm, Monday through Friday, and 8:30 am – 3:00 pm on Saturday.

Turn the Keys On Great Auto Loan Rates

Car dealers can’t wait for 2018. Model year-end clearance prices make this a great time to finance cars from 2017 or older. Auto loan rates with SF Fire Credit Union start as low as 2.69%*.

Getting Started: Finding the Right Car For You

Whether looking for a car to get to work or for your child starting college, now is the time to take advantage of great deals offered by car dealerships. You can start your search for the perfect car by using our Auto Buying Services: Autoland or AutoSmart.

  • Autoland is a complete car buying service – agents will help identify, purchase, and even deliver your car to you.
  • AutoSmart allows you to find the vehicle you want at a convenient dealership that participates in the Credit Union Direct Lending (CUDL) program.

Buy Out A Lease Or Refinance For Better Rates

Our rates are not just for purchasing a vehicle from a dealership. They also apply to private party sales, lease buy-outs, or refinancing a loan you have elsewhere for a better rate or lower monthly payments.

Click here for additional details on rates, features, and requirements for our auto loans.

*Annual Percentage Rate as low as indicated, based on credit worthiness. A $50 fee will be applied when refinancing an existing SF Fire Credit Union auto loan.

2017 San Francisco First Responders Stair Climb

SF Fire Credit Union is proud to support the 2017 San Francisco First Responders Stair Climb.

The San Francisco First Responders Stair climb was started to bring awareness and support to first responders suffering from Post Traumatic Stress Injuries. We hold the event each year around the time of 9/11 in remembrance of those that gave their lives and those Fire Fighters, Police EMS 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 that save yours.

Date and Time: Saturday, September 9th 2017. 9AM to 2PM.

Building Location: 555 California Street

Number of floors: 52 above the mezzanine / 1197 stairs

Map and Directions: 555 California Street.

To Register please visit

For More Information please visit

Home Loans Just Got Easier: Purchase or Refinance

If you are buying a new home, or if you want to refinance an existing loan, we want to help. Our dedicated real estate loan officers will guide you through the process of determining what loan is right for you. We offer a variety of Fixed or Adjustable Rate Loans to meet your needs.

Fixed-Rate Mortgage

  • Locks in a set interest rate for the life of the loan
  • Often best for homebuyers who will stay in the home for many years
  • Often best for homebuyers who expect their income to be stable over time

Adjustable-Rate Mortgage

  • Interest rate adjusts with the market
  • Often best for homebuyers who plan to sell their home in a few years
  • Often best for borrowers who expect their income to increase over time

Home Equity Loans & Credit Lines

  • Use your home’s value to get cash to accomplish current goals
  • Affordable options for one-time loans or multi-year credit line access
  • Potential tax advantages (consult your tax advisor)

Apply Today

  • Online:Mortgage Application
  • Over the Phone: Contact a mortgage loan consultant directly 415.674.4800 ext 778
    Monday – Friday from 8:30am – 6:00pm | Saturday from 8:30am – 3:00pm
    Rates are subject to change on a daily basis; to view the current rates and learn more, click here

Visit or call for current real estate credit rates, terms and restrictions. All loans subject to credit approval.

Protecting Your Accounts from Identity Theft

Here are a few basic steps you can take to avoid becoming a victim of identity theft:

Identity theft is the fraudulent use of a person’s personal identifying information. Often, identity thieves will use another person’s personal information, such as a Social Security number, mother’s maiden name, date of birth, or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write share drafts, open share accounts, or obtain new loans.

CEO Update: Kathy Elser Named New CEO of SF Fire Credit Union

Our Board of Directors is pleased to announce the appointment of Katherine “Kathy” Elser as the new President and Chief Executive Officer. “What impressed us about Kathy is that she demonstrated the ability to balance prolonged growth while maintaining safety and soundness. She has the experience to lead during a time when credit unions continue to face disruptive and competitive forces. Her robust industry network will also serve our members well.” stated John Sweeney, San Francisco Fire Credit Union’s Board Chairman.

“San Francisco Fire is a vibrant and growing credit union that is deeply committed to its members and the communities it serves. A commitment to members is a top priority and passion of mine. I’m excited to see how I can lead the credit union to new levels while never losing sight of delivering an exceptional member experience.” said Elser.

Prior to San Francisco Fire, Ms. Elser was the CFO/SVP of Finance & Administration for Boeing Employees Credit Union where she was responsible for overall strategic positioning of the credit union and served as an Executive Management Team member. Elser’s career includes 20 years with BECU, a period during which she laid the foundation for and managed the institution’s exceptional performance and growth. She earned a reputation for being a collaborative leader, a dedicated mentor and a member advocate. Earlier in her career she worked in public accounting at Deloitte & Touche, LLP, and at various other financial institutions in both financial reporting and internal audit.

In 2012, Ms. Elser was awarded the Puget Sound Business Journal’s “2012 CFO of the Year”; category- Large Private Company. She serves on various community and industry executive committees and boards of directors. She also participates as a panelist and presenter at various credit union education forums and conferences. Elser is a graduate of the CUES CEO Institute and Cardwell 360 Leadership Institute. She holds a BS in accounting from Central Washington University and a MBA from Pepperdine University.

Understanding the Surcharge-Free CO-OP ATM Network

At the beginning of 2017, the Credit Union reviewed its fee schedule to ensure that services continued to offer value to members, while at the same time providing enough revenue to cover increasing operating expenses. As a result, a few fees were changed on March 1st, 2017. The most notable changes related to ATM usage:

  • The number of monthly ATM rebates was reduced from twelve to six
  • The number of free ‘out-of-network’ (Non Credit Union CO-OP™ Network ATMs) transactions was limited to six per month
  • After six free ‘out-of-network’ ATM fees, a $2.00 fee on each transaction performed thereafter.

With over 30,000 surcharge-free, ‘in-network’ ATMs in the Credit Union CO-OP Network and easy-to-use ATM locator tools available, we’re confident the majority of our members will continue to have easy access to cash at minimal or no cost.


Surcharge-Free CO-OP Network ATMs & Free Cash-Back at Retailers


Locating a Surcharge-Free CO-OP Network ATM

You can locate a Surcharge-Free CO-OP Network ATM on our website:
1. Visit
2. Click on the red “FIND A BRANCH OR ATM” button under the section which lists our Contact Center and Branch Hours.
2. Enter your location in the search bar or simply click on the “Surcharge-Free ATMs” tab to get a list of available ATM locations.

Locate a Surcharge-Free CO-OP Network ATM using our free Mobile App:
(on an Apple iPhone or Google/Android phone)
1. Launch our mobile app on your tablet or smartphone.
2. On the log-in screen, touch/tap the "Locations” icon.
3. A map will appear which allows you to enter an address or zip code.

Congratulations to the San Francisco Fire Department's Newest H-3 EMTs


The San Francisco Fire Department had 25 H-3 Level 1 EMT (Emergency Medical Technician) recruits graduate their intensive program training. This was the 12th H-3 Level I EMT Class. The ceremony took place at the Treasure Island Training Facility on February 24th.