Latest News

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


Pre-Owned Car Sale, April 18th & 19th

Save the date! Join us Saturday, April 18th from 9am to 6pm and Sunday, April 19th from 10:00 a.m. to 5:00 p.m. at 200 California Avenue on Treasure Island for our Pre-Owned Car Sale.

Convenience is Key

Our loan officers will be present both days of the car sale to answer any financing questions you may have, and to help guide you through the process if this is your first auto purchase.

Great Selection

We work with AutoNation, who provides us with the most popular makes and models on the market. All of the cars present will be Certified Pre-Owned and Used vehicles. We’ve worked with the dealers to ensure that the sticker price reflects Kelley Blue Book pricing.

Please watch this space the week of the event for an inventory list. If you have any questions about specific cars before the car sale, please contact CarsNet at (714) 701-9186, ext. 1.

We look forward to seeing you there!

Shred Days 2015 (Sensitive Document Destruction)

Join us the last week of April for SF Fire Credit Union’s Annual Shred Day (dates below!)

An industrial shredding truck will be on-site at our California Street, Stonestown, Pacifica and Mint Plaza Branches and you’re invited to bring any personal documents to be destroyed.

Monday, April 27th: Mint Plaza Branch (12 Mint Plaza): 11AM-3PM
Monday, April 27th: Pacifica Branch (1220 Linda Mar Blvd.): 11AM-3PM
Thrusday, April 30th: California Street Branch (3201 California Street): 9AM-5PM
Friday, May 1st: Stonestown Branch (565 Buckingham Way): 9AM-5PM

Take advantage of this opportunity to get rid of the piles of old paperwork you have laying around. Avoid the possibility of your information or identity being stolen by disposing of confidential or financial documents in a safe way by bringing them to the Credit Union where they’ll be DESTROYED on the spot.

Items besides paper and cardboard that can be shredded include:

  • Credit Cards
  • CD-ROMs/CD-Rs/DVDs
  • X-Rays
  • Videotapes
  • Cassette Tapes

If you are unable to make it to one of our branches during the last week of April, please keep in mind that we have shred bins in all of our branches. You’re welcome to drop off your sensitive documents to be destroyed anytime during our normal branch hours.

Lastly, you do NOT need to remove paper clips, staples or binder clips. See you then!

Message from the President: Spring Update

Spring has arrived, and ended what many wish had been a wetter winter in here San Francisco and across the state. One upside to these dry conditions was a sunny and mild President’s Day weekend, which always bodes well for our Annual Meeting of the Members. We had a tremendous turnout, and I enjoyed having the opportunity to chat with those who were able to attend. Highlights of the meeting included awarding this year’s recipients of the Arthur F. McIntyre Scholarship. Congratulations to Chase Gracia, Bridget Linney, Emily Walker, and Mitchell Laurio for being selected. We wish you continued success in your academic endeavors. The election results for the credit union’s Board of Directors and Supervisory Committee were also announced. Bridgette O’Rourke and Nicholas Russo were installed on the Board of Directors, as well as Janet Brock on our Supervisory Committee. On behalf of everybody at SF Fire Credit Union, I thank all of our elected officials for volunteering their time and the commitment they demonstrate in fulfilling the responsibilities of these important positions.

We’re always looking for ways to make improvements at the credit union, be it the level of service we’re able to provide or better managing our operating expenses. In March we launched the much anticipated Apple Pay™, with members now being able to make payments with the touch of a finger on their supported Apple devices. After reviewing our deposit insurance coverage, we made some prudent changes effective April 1st which we believe allows our members’ deposits to remain fully insured, and at the same time eliminates an unnecessary operating expense for the credit union. Our deposits continue to be insured by American Share Insurance (ASI), with coverage up to $250,000 per individual deposit account, a reduction from our previous coverage of $500,000 per account. (For more information, please click here.)

Rules and Regulations: Protecting Members from Elder Financial Abuse

In the “Rules and Regulations” series, we’re hoping to inform members of the regulatory reporting that we’re required to follow in order to comply with banking regulations. This article, we’re addressing elder financial abuse.

What is elder abuse?

When we talk about elder abuse as it relates to the credit union, we are referring to the financial abuse of an elder (any person residing in California who is 65 years of age or older) or dependent adult (anyone between the ages of 18 and 64 who has physical or mental limitations that restrict their ability to carry out normal activities or to protect their rights). Financial abuse is generally the taking of real or personal property for wrongful use, or assisting in doing so.

Unfortunately, the perpetrators most often include family members, specifically spouses, children or grandchildren. Other perpetrators may include individuals who seek out vulnerable seniors with the intent of exploiting them.

Change in Deposit Insurance Coverage

SF Fire Credit Union made changes to our deposit insurance effective April 1st, with the coverage provided by American Share Insurance (ASI) decreasing from $500,000 to $250,000 per deposit account.

Our previous coverage of $500,000 per individual account had been a combination of two deposit insurance policies offered by ASI. It included Primary Share Insurance on deposit accounts up to $250,000 as well as Supplemental Share Insurance on deposit accounts from $250,001 to $500,000.

New Deposit Insurance Coverage

Our Supplemental Share Insurance has been discontinued, and our deposit insurance now
consists solely of ASI’s Primary Share Insurance of up to $250,000 per individual account.
We made this decision based on our belief that ASI’s Primary Share Insurance can provide full deposit insurance coverage for our members, with the Supplemental Share Insurance being an unnecessary operational expense for the credit union.

Apple Pay Available March 17, 2015

We’re excited to announce that starting March 17th members will be able to make payments with their SF Fire Credit Union debit or credit cards through Apple PayTM!

Apple Pay allows a person to pay at stores and within other apps by placing their finger on their iOS device’s Touch ID button. It’s currently available on Apple’s iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad Mini 3 models.


We’ve compiled a list of FAQs to help get you better acquainted, or to help with troubleshooting any issues you may run into. If you don’t find the answer to your question, please feel free to contact us and we’ll be happy to help you.

6th Annual Battle of the Bay Charity Hockey Game - May 9, 2015

Come cheer on the Oakland Firefighters Local 55 and the Marin Professional Firefighters Local 1775 Hockey Clubs in an epic game that will benefit the Miley McCrary Angel Fund

When: Saturday, May 9, 2015
Where: Vacaville Ice Sports, 501 Davis St, Vacaville, CA 95688
Cost: $15.00

For tickets or more information, please contact:

Jim Halpin:
Tom Moran:

Money Smarts: Assets and Liabilities

You may often hear talk about assets and liabilities, whether it’s on a television show about money, the internet or in books. What are assets and liabilities and how might they impact you and your financial health? Let’s take a look:

Assets: Assets are anything of value that you own. Examples of assets include: cash, funds in savings accounts (CDs, money market, IRAs), valuables (like jewelry or antiques), vehicles that you own outright and real estate (the current market value of the property, even if you still have a mortgage).

Liabilities: A liability is anything that you owe to someone. Although we mentioned above that real estate counts as an asset, the amount you owe on that property falls under the liabilities category. Other examples of liabilities include: credit card debt, student loans, vehicle loans, etc.

Understanding what your assets and liabilities are can help you to grasp your full financial picture, and help with calculating your net worth. Your net worth is your assets minus your liabilities.

Net worth = Assets – Liabilities

Reminder: Calling Within the 415 Area Code

We’d like to remind members that if you are calling our local number (415) 674-4800 from within the 415 area code, that you will need to dial 1+ the full 10 digit number if calling from a land line, or if calling from a mobile phone, dial the full 10 digit number.

For more information on this change, please refer to the Public Utilities Commission’s announcement:

Refresh Your Portfolio with a Financial Check-Up

Do you own investments that you’ve held for years? Are you fuzzy on the objective of the funds and how they have performed relative to their benchmarks? Has it been a while since anyone has taken time to review and analyze your holdings? If this sounds like you, the New Year presents an opportunity to conduct a portfolio check-up with our CFS* Financial Advisors. We employ tools to help analyze our members’ fund positions.

Rebalance to Avoid Unnecessary Risk

Rebalancing can be a crucial element in helping to reduce risk while ensuring a portfolio remains aligned with an investor’s intended investment plan. Over time, the asset mix in a portfolio can begin to drift from its original allocation – this is especially true during periods of extreme volatility. If an asset class performs well for an extended period of time, it can grow to become a higher percentage of a portfolio and subsequently have a much higher impact on the intended overall risk and return of the portfolio going forward.