Latest News

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


Focus on Retirement: Upcoming Social Security and Healthcare Seminars, Oct. 14th

We will revisit two of our most popular workshop topics from previous years: Understanding Social Security and Planning for Healthcare in Retirement.


Discussion topics will include: Social Security and how it’s changed, understanding your benefits, when to file, filing strategies, and tax considerations.


Additionally when planning for retirement, healthcare tends to be one of the top three expenses people underestimate. Have you estimated your out-of-pocket expenses for prescription drugs? Do you know what items, such as dental care, are not covered by Medicare?

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.

Rules and Regulations: 314(a) Requests - Working with Law Enforcement

The USA Patriot Act of 2001 instituted a handful of provisions and compliance requirements to help hinder terrorist activity in the United States. A component of these efforts included regulations to help identify money laundering and terrorist funding in US financial institutions. The Financial Crimes Enforcement Network (FinCEN) was created to help law enforcement locate financial assets and recent transactions by subjects of criminal investigations.


Section 314(a) of the USA Patriot Act enables federal, state, local, and foreign (European Union) law enforcement agencies, through FinCEN, to reach out to over 22,000 financial institutions to locate accounts and transactions made by people or entities that may be involved in terrorism or money laundering.

FinCEN receives requests from law enforcement and upon review, sends notifications to financial institutions across the country informing them when new information has been made available. Financial institutions must then query their records for data matches. Financial institutions have two weeks from the posting date of the request to respond with any positive matches.

Help Us Celebrate International Credit Union Day - Oct 15th

Drop by any one of our branches on Thursday, October 15th for complimentary cupcakes!

We’d Like to Show Our Gratitude

As we celebrate International Credit Union (ICU) Day on October 15th with more than 217 million people worldwide, we’d like to take the time to recognize our members and show our gratitude.

People Helping People

This year’s theme is “People Helping People.” Today is a great day to remember that as a credit union member, you belong to a global movement in which people help people. Credit unions exist to serve you, the member, not to increase the bottom line. By members pooling resources, we strengthen the communities we serve – this is what sets credit unions apart from other financial institutions.

Irrespective of the amount you have on deposit with us, you are a member and an owner, with equal ownership and one vote. Members are never just numbers; your ownership empowers you and provides you with a voice.

23rd Annual Old-Timers' Night Dinner, November 4, 2015

The Phoenix Society of San Francisco invites you to join them for their 23rd Annual Old Timers’ Night Dinner – honoring retired SFFD Veterans:

Gerald Mahoney
Jim Olson
Frank Scales
Fred Walsh

Date: *Wednesday, November 4, 2015
*Time: *No-host cocktails: 6:00pm, Dinner: 7:00pm
Spanish Cultural Center – Patio Espanol, 2850 Alemany Blvd at Farragut Ave., San Francisco
Cost: $55 per person, Vegetarian & Children’s Meals $35 per person

Reservations Needed! Deadline: Friday, October 31, 2015
(Call early to arrange a table for your group – up to 10 per table.)

Reservations: Call Phil Reid after Sept. 30th at: (415) 285-7392
(Please leave a message and your call will be returned)

All reservations should include the following: 1. Choice of dinner entree, 2. Seating request, 3. A contact number, 4. Payment

Please forward payment & reservation form to:
The Phoenix Society of San Francisco
PO Box 31847
San Francisco, CA 94131

Collecting Funds for Valley Fire Victims

The “Valley Fire,” which originated in Middletown (90 miles north of San Francisco) has burned over 70,000 acres, and destroyed over 1,000 homes/buildings. It has been devastating. 10,000 people have been evacuated, and the situation remains extremely dangerous. California Credit Unions are activating relief efforts, and we will be doing what we can to help.

Collection of Donations with Proceeds Going to Three Funds

Three fire relief funds administered by credit unions, the California Credit Union League, and other organizations have been created to help communities being ravaged by the VALLEY FIRE, and other fires in Northern California. SF Fire Credit Union will participate in these efforts, with the donations we collect being equally divided/donated to the three funds:

  • Lake County Fire Victims Fund (in care of Redwood Credit Union)
    Assists fire victims in Lake County.
  • Middletown Relief Fund (in care of Fire Family Foundation & California Credit Union League)
    Assists fire victims and injured firefighters in the Middletown area.
  • Rock Fire Relief Fund (in care of Mendo Lake Credit Union, North Coast Opportunities, and Lake County Department of Social Services)
    Assists fire victims of the ROCK FIRE and JERUSLALEM FIRE, which have been mostly contained.

How to Donate

To donate, members can do so directly within Online Banking, or you can contact us by calling (888) 499-FIRE (3473), reach out via Web Chat or stop into any of our branches. Thank you in advance for your contributions and our hearts continue to go out to those affected by the fire.

Valley Fire Disaster Relief Loan, 0.00% APR

As we mentioned in our previous article, in addition to collecting donations for our neighbors up north, we are also offering a 0.00% APR Disaster Relief Loan for our members who have been affected by the Valley Fire in Napa and Lake Counties.

The Valley Fire has burned over 70,000 acres, and destroyed over 1,000 homes/buildings. It has been devastating. 10,000 people have been evacuated, and the situation remains extremely dangerous.

Learn more about this loan by clicking here, giving us a call, or visiting us at any of our branches.

To read more about what you can do to help, please click here.

Limited Time Offer: Earn Points on Balance Transfers

Transfer Your Balances and Earn Extra Awards Points

We want to help you find financial flexibility by transferring balances from credit card issuers who charge high rates and steep fees to your SF Fire Credit Union Platinum Visa, rates as low as 7.25%*.

Offer Ends October 31, 2015**

If you already have an SF Fire Credit Union Platinum Visa, you can easily make your transfer within Online Banking. If not, our Loan Application directly within Online Banking makes it very easy to apply and set up your balance transfers upon approval. You can also apply directly within our Mobile Banking apps as well.

If you prefer to speak with someone over the phone, one of our Contact Center Representatives can help you make a balance transfer from your current credit card to your SF Fire Credit Union Platinum Visa, seven days a week from 6:00 a.m. to 10:00 p.m. (Pacific) at 1 (888) 499-FIRE (3473).

Rate adjusts quarterly and equals Prime Rate for previous month plus 4.00% for a current variable rate of 7.25%. The statement closing date is the 15th of each month and the payment due date is the 12th of each month. Therefore, the number of days between your statement closing date and your payment due date (the grace period) may vary from one billing cycle to another. Late fees are assessed if your account is more than 15 days late.
Limited-time promotional offer on Extra Awards points for balance transfers made between September 1, 2015 and October 31, 2015. Sufficient funds must be available on your Visa card to complete the transaction. Points earned for balance transfers, with balance transfers eligible for points not to exceed credit limit. After the promotional offer period, Extra Awards points are earned by making purchases only. Cash advances are not eligible for Extra Awards points. Balance transfers and cash advances will be at the same rate as purchases, with the only difference being that finance charges begin occurring immediately (purchases have a 25-day grace period). There is no balance transfer or cash advance fee. Please refer to our Visa Disclosure for details on how interest rate charges are applied to balances transferred.

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 15th, 2015, at the Spanish Cultural Center located at 2850 Alemany Blvd. in San Francisco.

There are three positions on the Board of Directors and two positions on the Supervisory Committee which are up for election.

Nomination petitions must be received at the Main Branch of SF Fire Credit Union by November 17th, 2015. To obtain additional information regarding election procedures, write to SF Fire Credit Union, ATTN: Cynthia Ong, 3201 California Street, San Francisco, CA 94118.

SF Fire Credit Union Platinum Visa - The Smart Choice

Whether you’re thinking about making an important purchase, planning a trip, or consolidating higher cost credit card balances – our SF Fire Credit Union Platinum Visa® can help make it happen.

Same Low Rate on Purchases, Cash Advances, and Balance Transfers

Our Platinum Visa, with rates as low as 7.25%* is a smart choice for your financial needs. Not a “teaser” or introductory rate, just a straightforward rate that applies to every purchase, cash advance, and balance transfer.

Travel Friendly Features

There’s no better card to take on vacation. Our card features no foreign currency transaction or exchange fees (which normally range between 1-3%). Our card also comes with features including Auto Collision Waiver on car rentals and Emergency Travel Assistance. In addition, we’ve begun issuing EMV chip-enabled cards, which offer enhanced security and usability when traveling abroad. (Existing cardholders: if you haven’t yet received your chip enabled card, you should expect it in the coming weeks!)

Free Points Program**

For every dollar spent using your SF Fire Credit Union Platinum Visa, you earn an Extra AwardsTM point, which can be redeemed for cash, unrestricted travel, and gift cards from hundreds of retailers.