Latest News

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


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.

SF Firefighters Local 798 9th Annual Johnny "V” Chili Cook-Off, Sept 19, 2015

San Francisco Firefighters Local 798 Presents the 9th Annual “Johnny V” Chili Cook-Off: Benefit for San Francisco Firefighters Local 798 Toy Program

“Bring Your Best Booth, and Chili”


Date: *Saturday, September 19, 2015
*Time: * 11:00am to 5:00pm (9am Setup)
Justin Herman Plaza, San Francisco


Danny Gracia, (415) 608-7921
Barbara at Union Hall (415) 621-7103
Sally at the Toy Program (415) 777-0440

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.

Jump-Start Your Auto Financing Plans

Thinking about buying a new car, or trading yours in?

Now is a great time to take advantage of aggressive manufacturer pricing and rebates on a new car or acquiring a pre-owned car with our low rate financing plans. We offer rate-competitive loans to help you buy your next new or pre-owned car.

Getting Started

You can start your search by using AutoSmartTM, a great website that can help you find a new or used vehicle, compare and contrast different models, and check the value of your trade-in.

Visit Us, Give Us a Call, or Apply Online

SF Fire Credit Union is committed to helping you make the most of your hard-earned money so you can reach your financial goals. If you need assistance or would like to discuss other borrowing needs, we’re always willing to help.

To get started, click here to chat with one of our representatives.

SF Firefighters Local 798 2015 Blood Drives

2015 Blood Drive Dates

Tuesday, Wednesday & Thursday:

April 21-23, 2015
August 18-20, 2015
December 15-17, 2015

Time: 8:00 a.m. to 3:00 p.m.
Location: Blood Centers of the Pacific, Irwin Center, 270 Masonic Ave, San Francisco, CA 94118

Lunch served to all who stop in and donate.

Questions? Contact:
Hank Scoble – Station 5
Romy Scott – Airport 2
Bob Arzave – 12 Truck
April Basset – Station 49/EMS

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

Whether you’re already carrying an 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.


Rules and Regulations: The Financial Institution Record Match (FIRM) Program

In January, 2012, the Franchise Tax Board (FTB) began its systematic roll-out of the Financial Institution Record Match (FIRM) program. This program exists to authorize financial institutions (including banks, credit unions, insurance and brokerage companies) located in California to assist the FTB in matching the files of “debtors” in the Franchise Tax Board’s system against the accounts at their institutions.


The Financial Institution Record Match (FIRM) Program identifies delinquent debtor accounts through a record match process. FIRM is an enforcement tool used to collect delinquent taxes and non-tax debts of individuals and business entities.

Coupled with FIRM is a second program called the FIDM (Financial Institution Data Match). Here, financial institutions compare their files with the State Child Support programs and conduct data matches to identify accounts of those who are delinquent on their child support.


Each quarter we upload a file to a state contracted company that runs our data against the list of individuals or entities who owe state taxes or other things the FTB is in charge of. If there are matches then we would move forward with a request for funds in the form of a garnishment from those individuals or entities.


If you have questions about the FIRM program, FTB or how we comply with these programs, please contact Chris Van Sickle, our Compliance Officer at, or by mail at our California Street address.

Message from the President: Summer in San Francisco

It’s summer in San Francisco, having arrived on the heels of a spring which I’d certainly describe as being out of the ordinary. Many of us were euphoric over the success of the Golden State Warriors, who won their first NBA Championship since 1975. Regrettably, our members recently experienced a significant service failure, an event I would also consider to be out of the ordinary. Many of you are aware of (and were negatively impacted by) an ATM/Debit card network failure we experienced on the weekend of June 6th. First off, and on behalf of all of us at SF Fire Credit Union, I apologize for the inconvenience this caused. Having communicated with many of you during the outage, I know first-hand the stress this imposed on our membership. Failures such as this are unacceptable, and do not meet the level of service you expect and deserve, let alone meet the level of service we strive to deliver. I’d like to assure members that we’ve identified the cause of the failure, and have implemented safeguards to prevent this type of outage from occurring in the future.

Moving beyond these events, there’s certainly additional news and updates I’d like to share. I’m pleased to report that our financial performance remains strong, with continued profitability and ability to increase capital reserves. This is a direct reflection of our loyal membership, and being their financial institution of choice. Thank you for giving us the opportunity to meet your borrowing needs, be it a credit card, car loan, or mortgage. We also held several events which have proven popular with members, including a car sale (at a new Treasure Island location) and sensitive document shred days at all branches.

More is in store this coming summer and fall. We’re remodeling our Stonestown branch, with the goal of improving the ‘flow’ of the branch to improve the service experience at that location. Micro-chipenabled Visa Platinum credit cards, which offer a higher level of security as well as global usability, are ramping up in production. We’ve begun issuing chip-enabled cards to new cardholders, and expect to reissue all of our existing cards over the course of the next few months. A new Online Banking system is on the horizon. It will offer enhanced security, including unique user IDs for joint owners as well as two-factor authentication. And finally, our member events will continue, the next being at car sale the weekend of August 15th at the Cow Palace.

I hope to see you soon, be it at the Car Sale or at the Main Branch. If our paths don’t cross, know that I always welcome your questions or comments and encourage you to contact me via our website (“Ask Darren”), Twitter (@SFFireCU) or mail at our California Street address.

Darren Herrmann, President & CEO

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

Update Regarding June 6th ATM/DEBIT Card Network Failure

Many of our members were impacted by an ATM/DEBIT card network failure the Credit Union experienced the weekend of June 6th. As an organization who understands the importance of exceptional service, we recognize that this event and our recovery fell short of the service experience we strive to deliver. We apologize for the inconvenience this undoubtedly caused, as well the difficulty in reaching us due to the high volume of incoming calls and web chat sessions to our Contact Center during this time.

Cause of Failure

There are many ‘moving parts’ involved with a successful debit card transaction, which require various systems and entities to communicate with each other. We experienced a system error that disrupted this flow of data communication, which caused the network failure.

Measures to Prevent Future Occurrences

We’ve identified the origin of the system error which caused the failure, and have implemented safeguards to prevent this type of disruption from occurring in the future.

Review of Member Communication Channels

We’ll be evaluating the systems by which members currently communicate our Contact Center (phone and web chat), to provide faster response times during periods of high volume such as we experienced during this service failure.

Member Data is Secure

While the system outage involved a disruption of data communication, it’s important to know that this event did not compromise any account information and SF Fire Credit Union’s member data is secure.