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Merry Christmas
& Happy Holidays!

This time of year holds special meaning for us. It’s our opportunity to say thank you to the members who make everything we do possible. For 90 years, Firefighters First Credit Union has existed for one reason: to serve the Fire Family. Every product we offer, every service we provide, and every decision we make is guided by our mission to improve the financial lives of our Fire Family. Your trust, loyalty, and support are the foundation of our success—and sharing that success with you is one of the most meaningful things we do.

Thanks to the strength of our member-owners and another year of strong performance, we are proud to announce that through our 2025 Annual Profit-Sharing Program, we will be giving back over $5 million to our members.

As we celebrate our 90th anniversary, this milestone profit share represents more than strong financial results. It reflects the trust you’ve placed in us over the last nine decades and our continued promise to stand beside the Fire Family—today, tomorrow, and for generations to come. Thank you for being a part of our story and for allowing us to serve you for 90 years.

We wish you a Happy New Year and look forward to serving you in 2026.

Frequently Asked Questions

When will my Annual Profit Sharing distribution be deposited?
Your Annual Profit Sharing and additional products payout will be deposited by December 31, 2025.

Where will my Annual Profit Sharing distribution be deposited?
Your Annual Profit Sharing payout will be deposited into your Firefighters First checking account. If you do not have a checking account, it will be deposited into your share account. IRA payouts will be posted to the IRA account unless that IRA account is closed, then the payout will be posted into the checking account. If there is no checking account, the payout will be deposited into the share account.

Is the amount the same every year?
No, the amount you receive is determined by your banking relationship, savings dollars, and loans you hold with us.

Why didn't I receive a deposit for Annual Profit Sharing?
You may not have received a deposit because your account or loan met one or more exclusion criteria. See details below.

Questions About Your Profit Sharing?

We’re here to help! Our Fire Family team is ready to answer your questions and make sure you get the most from your benefits.

Contact Our Team

* Exclusion from the year-end Annual Profit-Sharing program may occur at the discretion of the Credit Union for accounts with any loan in default of the original agreement. Profit Sharing will not be paid to any member who had a delinquency condition of 59 days or more on any loan during the period of January 1, 2025, through November 30, 2025, regardless of the current status of the account. Payouts will not be made to any member with a Firefighters First mortgage whose property taxes are more than one-year delinquent, who had more than one extension agreement on a loan, or who has a mortgage loan that was modified as part of a workout loan or troubled debt restructure. Payouts will not be made to any closed primary share accounts. Accounts with a primary member who has been deceased for more than one calendar year, and accounts owned by a non-member are excluded from the profit-sharing program. Members who have experienced a prior charged off account are excluded from the profit-sharing program, except in the instances where the member has fully repaid the charged off amount. Once a member has fully repaid the charged off amount, they become eligible for profit-sharing program payouts.

Not included in the Profit-Sharing program are the following share and loan types: Share draft (personal or business), Holiday Helper, 4-month Freedom IRA certificates, any business loans, share or certificate secured loans, Senior Equity Access real estate loans, Retirement or Fire Station loans, Credit Builder loans, and Emergency loans. Other exclusions may apply. All payouts, except IRA, will be posted to the checking account, and if no checking account, to the share account. IRA payouts are posted to the IRA account unless the account is closed, then the payout will be posted to the checking account, and if no checking account, to the share account.

Members who have used the below services are eligible for one $90 payout for each service. Only one payout per household is permitted for each of these services:

  • Members that filed their taxes through Firefighters First Tax Services between January 1, 2025, to November 30, 2025
  • Firehouse Financial clients with a $1,000 minimum balance, who had an account as of November 30, 2025
  • Trust Services clients that have designated the Credit Union as the Successor Trustee and/or Executor in their estate planning documents as of November 30, 2025
  • Members with an insurance policy through Firefighter Insurance Services as of November 30, 2025
  • Members with a Business Services account as of November 30, 2025
  • Members with Secondary Market Mortgage Loan services as of November 30, 2025

Payout for additional services is posted to the Primary member’s checking account, and if no checking account, to the share account.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Firefighters First Credit Union and Firehouse Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Firehouse Financial, and may also be employees of Firefighters First Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Firefighters First Credit Union or Firehouse Financial. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value


Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.