SF Fire Credit Union

Contact SF Fire

Contact Center

Local (415) 674-4800 | Toll Free (888) 499-FIRE (3473)
7:00 a.m. to 8:00 p.m. (Pacific) Monday – Saturday

Branch Hours

8:30 a.m. to 6:00 p.m. (Pacific) Monday – Friday
8:30 a.m. to 3:00 p.m. (Pacific) Saturday

You Come First.

It’s different with SF Fire Credit Union. We’re not about satisfying investors. Or paying shareholders. Unlike a bank, the profits we make go directly back to our members. So what you get is fair and transparent banking, great rates, low fees, and something you probably haven’t seen in a while: a financial institution that is all about you.

Refinance Your Auto. Get A $150 Rebate.

With a rate as low as 3.39%, you’ll have a little more room to move with lower monthly payments. Plus, you’ll get a $150 rebate just for refinancing.

A Card For How You Live.

You don’t believe in wasting money; we don’t believe in fees. Our Visa credit cards have no annual fees, no fees for cash advances or balance transfers, and no charges for foreign currency transactions, and the Rewards Program is free.

You Deserve Free.

You’re much more than a number to us. That’s why everything about our checking is free. From the monthly fee (there is none) to mobile check deposits (all free) to the ATM charges (free, including limited refunds on surcharges outside the network). It’s what happens when you put members first.

Home Loans Built For You.

It’s the biggest purchase you’ll ever make, and it makes all the difference to have a hometown financial partner there to support you. SF Fire Credit Union brings it home—from working the pre-approval to making sure your mortgage fits you and your long-term needs.

You Come First.

It’s different with SF Fire Credit Union. We’re not about satisfying investors. Or paying shareholders. Unlike a bank, the profits we make go directly back to our members. So what you get is fair and transparent banking, great rates, low fees, and something you probably haven’t seen in a while: a financial institution that is all about you.

Refinance Your Auto. Get A $150 Rebate.

With a rate as low as 3.39%, you’ll have a little more room to move with lower monthly payments. Plus, you’ll get a $150 rebate just for refinancing.

A Card For How You Live.

You don’t believe in wasting money; we don’t believe in fees. Our Visa credit cards have no annual fees, no fees for cash advances or balance transfers, and no charges for foreign currency transactions, and the Rewards Program is free.

You Deserve Free.

You’re much more than a number to us. That’s why everything about our checking is free. From the monthly fee (there is none) to mobile check deposits (all free) to the ATM charges (free, including limited refunds on surcharges outside the network). It’s what happens when you put members first.

Home Loans Built For You.

It’s the biggest purchase you’ll ever make, and it makes all the difference to have a hometown financial partner there to support you. SF Fire Credit Union brings it home—from working the pre-approval to making sure your mortgage fits you and your long-term needs.

Employer Retirement Plans & IRAs - A Better Shot at a Comfortable Retirement

The overriding savings objective for most of our members is accumulating retirement assets. There are only a few ways to get money into retirement plans and it is important to start as early as you can.

Employer Contributions

If your employer offers a retirement plan like a 457(b) or 401(k), try to maximize your contributions to the plan. A ten percent contribution rate may be sufficient if you start early – but fifteen percent will give you a better shot at a comfortable retirement. Exactly how much you should contribute depends on many factors. Many plan sponsors offer automatic contribution increases which will automatically raise your contribution rate by 1% each year. This is a good way to get your personal saving rate up.

Individual Retirement Accounts (IRAs)

After you have maximized your employer sponsored plan, Individual Retirement Accounts (IRAs) are another option. There are two kinds of IRAs and which is right for you depends on things like your age, tax-rate, and income.

Regardless of which IRA you choose, contributions for 2018 can be made up to the date you file your 2018 returns – which for most folks is April 15, 2019. IRA accounts are designed to fund retirement. Withdrawing funds prior to age 59½ may result in an early withdrawal penalty.

Assistance Awaits You

Your tax professional can help you select which IRA is appropriate for you. Once you know which type to establish we can help you with everything from insured certificates of deposit to stocks, bonds, investment trusts and funds. Contact our CFS* Financial Advisor, Stephen Seewer, to discuss your retirement planning needs. He is available for no-cost, no-obligation consultations and can help determine if you are on track to hitting your savings goals. To make an appointment, please call our Contact Center.

*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. SF Fire Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.