Built for the crew that lives between the calls.

Firefighters do not just work at the station. They live there. The Fire Station Loan is an unsecured loan available to Firefighters First fire station group members, designed to finance the shared amenities that make station life better. New gym equipment, a better grill, recliners or a TV worth watching. If your crew can agree on it, we can likely help finance it.

Transparent fees, no hidden surprises.

Secure, easy-to-use digital banking tools designed around real firefighter schedules, so you can manage your money anytime, anywhere, whether you’re on duty, at the station, or at home. If you’re interested in our Fire Station Loan, please contact the Business Services team and we’ll walk you through your options.

Fire engine viewed from the side, with the door open, and a firefighters helmet and gear visible inside.
Two fire engines parked next to each other outside at dusk, viewed from behind, with a dark blue sky visible above, and a harsh light illuminating them from the side.
A red firetruck parked inside the garage at a station. A building is reflected in the windshield, and the passenger door is open

Here is how the fire station loan works.

A simple, station-based loan structure built around your crew size and shift schedule. Here is what to expect before you apply.

Loan amount is based on your station size.

The maximum loan amount is $1,500 per position assigned to the station, up to $25,000 total. For example, six positions across three shifts means a maximum of $18,000 for that station.

Three signatures are required to apply.

The loan requires a House Dues Representative and two Captain signatures from different shifts, keeping the process grounded in the station structure and the crew’s shared commitment.

A fixed rate and a straightforward term.

The rate is 4.99% APR with a maximum term of 36 months. A $2,500 loan at 4.99% APR for 36 months results in 36 payments of $74.92.

Everything you need to know about our fire station loan.

Who can apply for a Fire Station Loan?

This loan is available to Firefighters First members who are part of a fire station group. To apply, the House Dues Representative and two Captains from different shifts must provide signatures; please note that each of these individuals must also hold a personal membership with the credit union.

How much can our station borrow?

The maximum is $1,000 per position assigned to the fire station, up to a total of $25,000 per station. The total available depends on how many positions are assigned across all shifts at your station.

Does the loan require collateral?

No. Fire Station Loans are unsecured, meaning no savings account or other asset is required as collateral.

What can the loan be used for?

The loan is intended to finance shared station amenities and equipment not provided by the department. Common uses include exercise equipment, outdoor grills, recliners and televisions. If you have a question about a specific use, contact us and we can clarify.

Representative Example: A $2,500 loan financed at 4.99% APR for 36 months would result in 36 payments of $74.92. The maximum loan amount is $1,000 per position assigned to the fire station up to a maximum of $25,000. An example: six people work at a fire station on each shift for a total of 18 people. The maximum that fire station may borrow is $18,000.

Subject to credit approval.