Latest News

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


Pre-Owned Car Sale Event 2016 , August 6th & 7th

Save the date! Join us Saturday, August 6th from 9:00 a.m. to 6:00 p.m. and Sunday, August 7th from 10:00 a.m. to 5:00 p.m. at the Cow Palace in Daly City (2600 Geneva Avenue).

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 whether you’re a seasoned or a first-time car buyer.

CEO Darren Herrmann Departing

It’s with appreciation and respect that we share the news of Darren Herrmann’s departure on June 17th. We wish him well, and are committed to maintaining the high level of service he championed since arriving at SF Fire Credit Union as a member of our senior management team in 2002.

Service & Innovation

Always seeking ways to improve the member service experience, many initiatives were launched under his guidance after he assumed the position of CEO in 2010. Be they technological (mobile banking, remote check deposit, EMV chip-enabled credit cards, Apple Pay™), pertaining to branches (extended hours, free CoinStar™ machines, online appointments), or member events (car sales, document shred days, educational seminars), he implemented programs designed to make doing business with us easier and more convenient than ever before.

Challenging Economic Times

Under Darren’s stewardship, SF Fire Credit Union fared well through challenging economic times. While growth was steady ($676 million to $1.2 billion in assets), it was consistently outpaced by earnings. The Credit Union’s capital reserves increased from $49.2 million to nearly $90 million during this time, which bodes well for a long and prosperous future of serving members.

Interim CEO Marla Shepard

The Board of Directors is dedicated to carrying on with our tradition of providing exceptional service and value to members. They have appointed Marla K. Shepard as the Credit Union’s interim CEO. She brings with her over forty years of senior executive level experience at top performing credit unions, and has extensive knowledge of operations, service quality, business strategy, and executive management.

National EMS (Emergency Medical Services) Week - May 15-21, 2016

In 1974, President Gerald Ford authorized EMS Week to celebrate EMS practitioners and the important work they do in our nation’s communities.

This years theme is “Call to Care” and we’d like to recognize and honor our Fire Service Based EMS providers who are trained and equipped to provide our communities with timely emergency medical care.

To learn more, visit


Ways to Travel Smarter with Your SF Fire Credit Union Platinum Visa®

Whether you’re already carrying a SF Fire Credit Union Platinum Visa, or you’ve yet to apply, we want to make sure you’re aware of all of the great benefits of being a cardholder – benefits that can come in handy especially when traveling.


For frequent world travelers, you might be familiar with a 1-3% fee that is commonly charged when you make a transaction using cards from other financial institutions. When you use your SF Fire Credit Union Platinum Visa, you will not receive a foreign transaction fee charge or exchange fees, which can make keeping track of what you’re spending a little easier.


Speaking of keeping track of your spending while abroad, sometimes
miscalculations can happen (or emergencies). In the event that you go over your credit limit, it could be comforting to know that we do not charge overlimit fees.


Much like giving our members some wiggle room by not charging an overlimit fee, you have the option to link your card to your checking account to use your Visa as a source of backup funds. Set this up within Online or Mobile Banking, or by contacting us.


Visa offers a robust set of services for our members, they include:

  • Auto Collision Waiver: As long as you pay for your rental car with your Visa, your rental will have coverage at no additional charge that will reimburse for damage due to collision or theft .
  • Travel Emergency Assistance Services: Available 24 hours a day, 365 days a year, this service includes help with lost luggage location, ticket replacement, legal and medical referrals, and more.


Lastly, all of that spending will help you earn Extra Awards points – where, for every dollar you spend, a point is earned that can be redeemed for cash, gift cards or future flights.


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.