The right loan for every situation.
No two financial needs are the same and Firefighters First does not treat them that way. From building credit with a Secured Loan to accessing emergency funds at 0% APR*, each product is purpose-built for the moments Fire Family members actually face.
Secured loans: Build credit using the savings you already have.
A Share Secured Loan or Share Certificate Secured Loan uses your Firefighters First savings account or certificate as collateral, giving you access to funds while your savings continue earning dividends. It can be an effective tool for building or rebuilding credit, because on-time payments are reported to the credit bureaus while your deposits remain intact.
Signature loans: A personal loan built on your word.
No collateral required. Signature Loans give you a fixed lump sum at a fixed rate with a fixed monthly payment, making it easy to budget for a known expense. Use it for home repairs, debt consolidation or major purchases. There’s no prepayment penalty if you pay it off early.
Emergency relief loans: When disaster strikes, we stand with you.
If a natural disaster or declared emergency has affected your home or community, the Emergency Relief Loan is here to help. It’s designed to give Fire Family members immediate financial breathing room when they need it most, helping you get back on your feet.
Line of credit: Flexible credit, ready when you are.
A Line of Credit gives you a revolving credit limit you can draw from as needed, repay and draw again. Unlike a fixed loan, you only pay interest on what you use. It is well suited for ongoing or unpredictable expenses where the total cost is not known upfront.
VEHICLE LOANS
Finance the vehicle that fits your life off the clock.
From cars to motorcycles, RVs, boats and ATVs, Firefighters First offers competitive vehicle loan rates for the Fire Family. Get pre-approved to know your budget before you shop, with a 0.50% APR* direct deposit discount on eligible loans.1
Home Loans
Every home loan the Fire Family needs, under one roof.
Whether buying your first home, refinancing, or choosing fixed or adjustable options, Firefighters First offers mortgages built for firefighter income and schedules. Work with specialists who serve the Fire Family nationwide, with a 60-day rate lock at no cost on fixed-rate loans.
CREDIT CARDS
Earn rewards on every purchase you make.²
We offer three Visa® credit cards for the Fire Family, from the simplicity of the Visa® Classic, Visa® Platinum, and the Visa Signature®. All feature competitive rates, no hidden fees and cashback rewards redeemable to your Firefighters First account.
Everything you need to know about loans.
What types of personal loans does Firefighters First Credit Union offer?
Firefighters First Credit Union offers Signature Loans, Share Secured Loans, Share Certificate Secured Loans, Safety Lines of Credit, Emergency Relief Loans and Fire Station Loans. Each is designed for a different purpose and financial situation.
Do I need collateral for a personal loan?
It depends on the loan type. Signature Loans and Lines of Credit are unsecured and require no collateral. Secured Loans use your Firefighters First Credit Union savings account as collateral, which typically results in a lower rate and helps build credit.
Is there a prepayment penalty on personal loans?
No. You can pay off your Firefighters First Credit Union personal loan early without penalty.
Can I get an Emergency Relief Loan if I am not affected by a disaster?
Our Emergency Relief Loan is available to help members get back on track if their home is uninhabitable due to a natural disaster. Please contact us to confirm eligibility based on active declarations in your area.
What vehicle loans does Firefighters First Credit Union offer?
Firefighters First Credit Union offers loans for most autos, motorcycles, recreational vehicles, boats, ATVs and personal watercraft. Pre-approval is available for eligible vehicle types so you can shop with a confirmed budget.
Can I get pre approved before I shop?
Yes. Pre-approval is available for all vehicle loan types. Applying before you shop gives you a clear budget and means your financing is already in place when you find the right vehicle. Apply through Online Banking or contact us.
Is there a rate discount for direct deposit?
Yes. Members with direct deposit of at least $1,000 per month are eligible for a 0.50% APR* discount on eligible vehicle loans after two consecutive months. Direct deposit must remain active for the life of the loan to keep the discounted rate.
Can I finance a used vehicle?
Yes. Firefighters First Credit Union finances both new and used vehicles. Contact us or apply online for current rate information by vehicle age and mileage.
What home loan products does Firefighters First Credit Union offer?
Firefighters First Credit Union offers fixed-rate mortgages, adjustable-rate mortgages in five structures, FHA loans, VA loans, a First-Time Homebuyer 7/1 ARM, HELOC, construction loans, land loans, vacation home financing and reverse mortgages.
Where does Firefighters First Credit Union lend mortgages?
Standard mortgage products are available in Arizona, California, Colorado, Florida, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Tennessee, Texas, Utah and Washington. First Mortgage products are available in all 50 states. For other states, an alternative lender option is available.
Does Firefighters First Credit Union offer a rate lock?
Yes. Firefighters First Credit Union provides a 60-day rate lock at no additional cost on all fixed-rate mortgages, which is longer than the industry standard.
What is RateDrop?
RateDrop is a Firefighters First program that allows you to lower your mortgage rate to the current market rate after closing, without a full refinance. No appraisal or income documentation is required.
Do I need to use an Firefighters First Credit Union mortgage to use the home buying and selling service?
No. The Home Buying and Selling Service is available to Firefighters First Credit Union members regardless of where they finance their purchase.
What credit cards does Firefighters First Credit Union offer?
Firefighters First Credit Union offers three Visa® credit cards: the Visa® Classic, Visa® Platinum and the Visa Signature®. Each has a different rewards structure and rate tier to suit different spending habits and financial goals.
How do I redeem cashback rewards?
Log in to Online Banking or the FireFirstCU app, navigate to Self-Service Forms and submit a Cashback Redemption Request. Funds are deposited into your checking or savings account within two business days.
* APR = Annual Percentage Rate. Subject to credit approval. This program provides assistance with low loan rates to our members affected by natural disasters resulting in their principal residence being uninhabitable. Terms range from six (6) to sixty (60) months maximum. Minimum loan amount = $1,500. Maximum loan amount = $25,000. Representative example: A $25,000 loan financed at 0.00% APR for six (6) months would result in six (6) payments of $4,166.67. Rates effective October 1, 2024 and are subject to change.
1. Based on creditworthiness. APR requires full direct deposit. To qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice.
2. Certain restrictions, limitations, and exclusions apply. See terms and conditions for details.