Savings Rates.
Compare APYs, minimum balances, and tiered earnings across savings and money market options.
Account Type: Regular Share Account
Note: $5 minimum balance is required to maintain a Regular Savings account.
Minimum Deposit to Open Account: $5
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 0.25%
Account Type: Holiday Helper
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 0.30%
Account Type: Coverdell ESA Shares**
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 1.00%
Account Type: Money Market
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: $0 – 2,499.99
Annual Percentage Yield: 0.05%
Account Type: Money Market
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: $2,500.00 – 49,999.99
Annual Percentage Yield: 1.60%
Account Type: Money Market
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: $50,000.00 – 74,999.99
Annual Percentage Yield: 1.65%
Account Type: Money Market
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: $75,000.00 – 99,999.99
Annual Percentage Yield: 1.70%
Account Type: Money Market
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: $100,000.00 and Over
Annual Percentage Yield: 1.75%
Checking Accounts.*
Compare APYs and minimum balances across our checking options.
Account Type: Ready Checking
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 0.05%
Account Type: eChecking
Minimum Deposit to Open Account: $0
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 0.00%
*Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened. APY is accurate as of the last dividend declaration date. For fees, refer to the current Schedule of Service Charges and Fees.
**Coverdell ESA Shares = Education Savings Account.
All rates subject to change without notice. For current rate information, please call 800-231-1626.
Individual Retirement Accounts (IRAs).
Grow your retirement savings with accounts designed for stability and flexibility. Compare our current IRA rates below and find the option that fits your goals.
Account Type: IRA Savings Account
Minimum Deposit: $0
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 1.00%
Account Type: IRA Money Market
Minimum Deposit: $0
Minimum Balance to Earn Dividends: $0 – $2,499.99
Annual Percentage Yield: 0.25%
Account Type: IRA Money Market
Minimum Deposit: $0
Minimum Balance to Earn Dividends: $2,500.00 – $49,999.99
Annual Percentage Yield: 1.60%
Account Type: IRA Money Market
Minimum Deposit: $0
Minimum Balance to Earn Dividends: $50,000.00 – $74,999.99
Annual Percentage Yield: 1.65%
Account Type: IRA Money Market
Minimum Deposit: $0
Minimum Balance to Earn Dividends: $75,000.00 – $99,999.99
Annual Percentage Yield: 1.70%
Account Type: IRA Money Market
Minimum Deposit: $0
Minimum Balance to Earn Dividends: $100,000.00 and over
Annual Percentage Yield: 1.75%
Account Type: Traditional/Roth IRA Certificates ($1,000.00 – $49,999.99)
Term: 6 Month
Minimum Deposit: $1,000
Dividend Rate: 3.59%
Annual Percentage Yield: 3.65%
Account Type: Traditional/Roth IRA Certificates ($1,000.00 – $49,999.99)
Term: 12 Month
Minimum Deposit: $1,000
Dividend Rate: 3.74%
Annual Percentage Yield: 3.80%
Account Type: Traditional/Roth IRA Certificates ($1,000.00 – $49,999.99)
Term: 18 Month
Minimum Deposit: $1,000
Dividend Rate: 3.83%
Annual Percentage Yield: 3.90%
Account Type: Traditional/Roth IRA Certificates ($1,000.00 – $49,999.99)
Term: 3 Year
Minimum Deposit: $1,000
Dividend Rate: 3.83%
Annual Percentage Yield: 3.90%
Account Type: Traditional/Roth IRA Certificates ($1,000.00 – $49,999.99)
Term: 5 Year
Minimum Deposit: $1,000
Dividend Rate: 3.83%
Annual Percentage Yield: 3.90%
Account Type: Traditional/Roth IRA Certificates ($50,000.00 – $99,999.99)
Term: 6 Month
Minimum Deposit: $1,000
Dividend Rate: 3.64%
Annual Percentage Yield: 3.70%
Account Type: Traditional/Roth IRA Certificates ($50,000.00 – $99,999.99)
Term: 12 Month
Minimum Deposit: $1,000
Dividend Rate: 3.74%
Annual Percentage Yield: 3.80%
Account Type: Traditional/Roth IRA Certificates ($50,000.00 – $99,999.99)
Term: 18 Month
Minimum Deposit: $1,000
Dividend Rate: 3.88%
Annual Percentage Yield: 3.95%
Account Type: Traditional/Roth IRA Certificates ($50,000.00 – $99,999.99)
Term: 3 Year
Minimum Deposit: $1,000
Dividend Rate: 3.88%
Annual Percentage Yield: 3.95%
Account Type: Traditional/Roth IRA Certificates ($50,000.00 – $99,999.99)
Term: 5 Year
Minimum Deposit: $1,000
Dividend Rate: 3.88%
Annual Percentage Yield: 3.95%
Account Type: Traditional/Roth IRA Certificates ($100,000.00 and over)
Term: 6 Month
Minimum Deposit: $1,000
Dividend Rate: 3.69%
Annual Percentage Yield: 3.75%
Account Type: Traditional/Roth IRA Certificates ($100,000.00 and over)
Term: 12 Month
Minimum Deposit: $1,000
Dividend Rate: 3.74%
Annual Percentage Yield: 3.80%
Account Type: Traditional/Roth IRA Certificates ($100,000.00 and over)
Term: 18 Month
Minimum Deposit: $1,000
Dividend Rate: 3.93%
Annual Percentage Yield: 4.00%
Account Type: Traditional/Roth IRA Certificates ($100,000.00 and over)
Term: 3 Year
Minimum Deposit: $1,000
Dividend Rate: 3.93%
Annual Percentage Yield: 4.00%
Account Type: Traditional/Roth IRA Certificates ($100,000.00 and over)
Term: 5 Year
Minimum Deposit: $1,000
Dividend Rate: 3.93%
Annual Percentage Yield: 4.00%
Account Type: 4-Month Freedom Certificate
Term: 4 Months (New Money Only)
Minimum Deposit: $0
Dividend Rate: 1.39%
Annual Percentage Yield: 1.39%
† APY = Annual Percentage Yield.
* Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened. APY is accurate as of the last dividend declaration date. For fees, refer to the current Schedule of Service Charges and Fees. APY = Annual Percentage Yield.
** Coverdell ESA Share Certificate = Education Savings Account.
*** To qualify for the Dream Home Share Certificate, the member must have an open mortgage application with Firefighters First Credit Union. The initial term is 4 months with a minimum balance of $5,000 and allows unlimited additional deposits. One penalty-free withdrawal is permitted during the term, provided the funds are used as a down payment on a home financed through Firefighters First Credit Union. All other early withdrawals may be subject to penalties. At maturity, if the member still has an open mortgage application, the certificate will automatically roll into a 6-month Dream Home Share Certificate at the then-current rate, which also allows unlimited deposits and one penalty-free withdrawal under the same down payment condition. If there is no open application at that time, it will instead roll into a standard 6-month share certificate at current rates. Upon maturity of the 6-month Dream Home Share Certificate, it will convert to a standard 6-month share certificate at prevailing rates regardless of mortgage status. Rates are subject to change, and all funds used for penalty-free withdrawals must be verified as going toward a qualifying home purchase with Firefighters First Credit Union. Terms and conditions are subject to change without notice. All loans subject to credit approval.
A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account. All rates subject to change without notice.
All rates subject to change without notice. For current rate information, contact us.
Vehicle Loans.
Whether you’re buying new or used, we have loan options built around your budget. Compare our current vehicle rates below and find the term that works for you.
New and Used Autos.
Up to 120% Financing on Approved Credit.
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 24 Months
Annual Percentage Rate (APR) as low as: 4.24%
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 36 Months
Annual Percentage Rate (APR) as low as: 4.24%
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 48 Months
Annual Percentage Rate (APR) as low as: 4.49%
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 60 Months
Annual Percentage Rate (APR) as low as: 4.49%
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 72 Months
Annual Percentage Rate (APR) as low as: 4.99%
Product: New and Used Autos
Note: Up to 120% Financing on Approved Credit.
Term (up to): 84 Months
Annual Percentage Rate (APR) as low as: 5.49%
APR = Annual Percentage Rate.
Representative Example: A $25,000 auto loan financed at 4.49% APR for 60 months would result in 60 payments of $466.85.
New and Used Motorcycles.
Up to 115% Financing on Approved Credit.
Product: New and Used Motorcycles
Note: Up to 115% Financing on Approved Credit.
Term (up to): 24 Months
Annual Percentage Rate (APR) as low as: 6.24%
Product: New and Used Motorcycles
Note: Up to 115% Financing on Approved Credit.
Term (up to): 60 Months
Annual Percentage Rate (APR) as low as: 6.74%
Product: New and Used Motorcycles
Note: Up to 115% Financing on Approved Credit.
Term (up to): 72 Months
Annual Percentage Rate (APR) as low as: 7.24%
APR = Annual Percentage Rate.
Representative Example: A $15,000 loan at 6.74% APR for 60 months would result in 60 payments of $296.00.
Maximum term for Motorcycle Loans is 72 months. Maximum term for used motorcycle over five (5) years old is 60 months.
Motorhomes, Boats, Travel Trailers†.
New & Used.
Product: Motorhomes, Boats, Travel Trailers† (New & Used)
Financing: Up to 100% Financing
Term (up to): 84 Months
Annual Percentage Rate (APR) as low as: 7.49%
Product: Motorhomes, Boats, Travel Trailers† (New & Used)
Financing: Up to 100% Financing
Term (up to): 120 Months
Annual Percentage Rate (APR) as low as: 7.99%
Product: Motorhomes, Boats, Travel Trailers† (New & Used)
Financing: Up to 100% Financing
Term (up to): 180 Months
Annual Percentage Rate (APR) as low as: 8.99%
APR = Annual Percentage Rate.
†Based on credit worthiness. 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.
For current rate information, please call us at 800.231.1626. The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply.
Based on credit worthiness. 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. Can be combined with other offers. 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. Rate discount applies to loans up to a term of 180 months for boats and RVs.
Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) financed at 7.49% APR for 84 months would result in 84 payments of $384.57.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.
Personal Watercraft, ATV, Dirt bikes, Snowmobiles.
New & Used.
Product: Personal Watercraft, ATV, Dirt bikes, Snowmobiles (New & Used)
Financing: Up to 100% Financing
Term (up to): 60 Months
Annual Percentage Rate (APR) as low as: 7.49%
APR = Annual Percentage Rate.
Representative Example: A $20,000 ATV loan financed at 7.49% APR for 60 months would result in 60 payments of $401.94.
††Financing is not available for states who do not issue a title for a collateral loan. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer. Terms up to 180 months for Motor Homes, boats (Greater than 28’ in length will require an “out of the water” marine survey), and travel trailers. Terms up to 60 months for personal watercraft, ATVs and dirt bikes.
Mortgage Rates.
From your first offer to closing day, our mortgage loans are designed to make homeownership straightforward. Explore flexible terms and competitive rates, including Adjustable-Rate Mortgages (ARMs), built exclusively for the Fire Family.
Product: 7/1 ARM - First Time Homebuyer.
Rate: 5.750%
Annual Percentage Rate (APR): 6.075%
Product: 5/5 ARM.
Rate: 5.625%
Annual Percentage Rate (APR): 6.309%
Product: 5/1 ARM.
Rate: 5.500%
Annual Percentage Rate (APR): 6.035%
Product: 7/1 ARM.
Rate: 5.625%
Annual Percentage Rate (APR): 6.011%
Product: 30 Year Fixed Rate.
Rate: 6.625%
Annual Percentage Rate (APR): 6.709%
Product: 15 Year Fixed Rate.
Rate: 6.000%
Annual Percentage Rate (APR): 6.136%
Product: 5/5 ARM - No Cost Refinance.
Rate: 5.625%
Annual Percentage Rate (APR): 6.228%
Product: 7/1 ARM - No Cost Refinance.
Rate: 5.625%
Annual Percentage Rate (APR): 5.931%
Product: 20 Year Fixed Rate Closed End Second Mortgage.
Rate: 7.625%
Annual Percentage Rate (APR): 7.755%
Product: Home Equity Line of Credit.
Rate: 7.250%
Annual Percentage Rate (APR): 7.250%
VA Loans.
VA loans eliminate the two biggest barriers to homeownership, the down payment and private mortgage insurance, while offering competitive rates and flexible qualifying terms. If you served, you have already earned this benefit.
Product: 30-Year Fixed VA.
Rate: 5.875%
Annual Percentage Rate (APR): 6.081%
Product: 30-Year Fixed VA IRRRL.
Rate: 5.875%
Annual Percentage Rate (APR): 5.963%
Product: 7/1 ARM Construction Loan.
Rate: 5.875%
Annual Percentage Rate (APR): 6.207%
Product: 15 Year Fixed Rate Land Loan.
Rate: 8.125%
Annual Percentage Rate (APR): 8.563%
Credit Cards to Match your Needs.
Every Firefighters First credit card is backed by Visa and built for the Fire Family. Compare our current rates below and find the card that fits your needs.
Product: Credit Cards
Card Type: Visa® Classic
Annual Percentage Rate (APR) for Purchase: 11.99%
APR for Balance Transfer: 11.99%
APR for Cash Advances: 11.99%
Product: Credit Cards
Card Type: Visa® Platinum
Annual Percentage Rate (APR) for Purchase: 8.99% – 16.99%*
APR for Balance Transfer: 8.99% – 16.99%
APR for Cash Advances: 8.99% – 16.99%
Product: Credit Cards
Card Type: Visa® Signature
Annual Percentage Rate (APR) for Purchase: 14.49% – 17.99%**
APR for Balance Transfer: 14.49% – 17.99%
APR for Cash Advances: 14.49% – 17.99%
Product: Credit Card Fees
Card Type: Visa® Classic^
Annual Fee/Setup & Maintenance Fees: NONE
Balance Transfer Fees: NONE
Cash Advance: NONE
Foreign Transaction: NONE
Returned Payment: $22.00
Late Payment: $15.00
Product: Credit Card Fees
Card Type: Visa® Platinum^^
Annual Fee/Setup & Maintenance Fees: NONE
Balance Transfer Fees: NONE
Cash Advance: NONE
Foreign Transaction: NONE
Returned Payment: $22.00
Late Payment: $15.00
Product: Credit Card Fees
Card Type: Visa® Signature
Annual Fee/Setup & Maintenance Fees: NONE
Balance Transfer Fees: NONE
Cash Advance: NONE
Foreign Transaction: NONE
Returned Payment: $22.00
Late Payment: $15.00
^ Includes Classic VISA and Secured Classic VISA.
^^ Includes Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Washington State Council of Fire Fighters VISA.
See Your Account Agreement for details.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account.
If You are charged interest, the charge will be no less than $1.00.
Your Platinum VISA, California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, and Washington State Council of Fire Fighters VISA are subject to a Monthly Periodic Rate of 0.7492% – 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% – 16.99%), based on Your creditworthiness.
Your Visa Signature is subject to a Monthly Periodic Rate of 1.23% – 1.50% (corresponding to an ANNUAL PERCENTAGE RATE of 14.49% – 17.99%), based on Your creditworthiness.
The information in this disclosure was accurate as of December 26, 2025, and after that date is subject to change. Rates are based on the creditworthiness and underwriting guidelines. For current information, call Firefighters First Credit Union at: 800.231.1626; write to Firefighters First Credit Union, 1520 West Colorado Blvd., Pasadena, CA 91105; or visit our website at: www.firefightersfirstcu.org.
All rates subject to change without notice. For current rate information, please call 800.231.1626.
Loan Rates.
Explore competitive APRs* and clear payment examples across all our borrowing options.
Signature Loan (closed-end loan).
Product: Signature Loan (closed-end loan)
Term (up to): 12 Months
Annual Percentage Rate (APR): 8.74%
Product: Signature Loan (closed-end loan)
Term (up to): 24 Months
Annual Percentage Rate (APR): 9.24%
Product: Signature Loan (closed-end loan)
Term (up to): 36 Months
Annual Percentage Rate (APR): 9.24%†
Product: Signature Loan (closed-end loan)
Term (up to): 60 Months
Annual Percentage Rate (APR): 10.74%†
Representative Example: A $5,000 Signature Loan financed at 9.24% for a term of 24 months would result in 60 monthly payments of $229.85.
† 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.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title.
Please contact us for out of state purchase requests as some restrictions apply.
Safety Line (open-end loan)^.
Product: Safety Line (open-end loan)^
Term (up to): N/A
Annual Percentage Rate (APR): 10.99% – 18.00%
Safety Line rates are based on the Prime Rate as reported in the Wall Street Journal, “plus” a margin between 4.24% and 14.24%. Actual rate will be determined by applicant’s credit history. APR is subject to change without prior notice.
Representative Example: A $2,500 Safety Line Loan financed at 10.99% with an estimated payoff of 18 months would result in 18 monthly payments of $151.88. Your credit history and loan qualifications may result in a different interest rate and payment.
^ Variable Loan rates are based on the Prime Rate as reported in The Wall Street Journal, “plus” a margin between 4.24% and 14.24% which will be determined by applicant’s credit history. APR subject to increase after consummation.
Share Secured Loan (variable rate loan).
Product: Share Secured Loan (variable rate loan)
Term (up to): 180 Months
Annual Percentage Rate (APR): 2.00% over current regular Share Rate
Representative Example: A $5,000 Share Secured Loan financed at 2.25% for a term of 60 months would result in 60 monthly payments of $88.19.
Share Certificate Secured Loan (variable rate loan).
Product: Share Certificate Secured Loan (variable rate loan)
Term (up to): Paid at maturity of certificate
Annual Percentage Rate (APR): 2.00% over pledged Share Certificate Rate
Business Rates.
Business banking built for the Fire Family. Compare our current rates and find the solution that fits your goals.
Product: Business Savings Accounts (Dividend Rates)
Account Type: Regular Shares
Note: $5 minimum balance is required to maintain a Regular Savings account.
Minimum Deposit to Open Account: $5
Dividend Rate: 0.25%
Annual Percentage Yield: 0.25%
Product: Business Checking
Account Type: Business Checking
Minimum Deposit to Open Account: $100
Minimum Balance to Earn Dividends: None
Annual Percentage Yield: 0.00%
Product: Business Money Market Accounts
Minimum Balance: $0
Dividend Rate: 0.05%
Annual Percentage Yield: 0.05%
Product: Business Money Market Accounts
Minimum Balance: $2,500
Dividend Rate: 1.59%
Annual Percentage Yield: 1.60%
Product: Business Money Market Accounts
Minimum Balance: $50,000
Dividend Rate: 1.64%
Annual Percentage Yield: 1.65%
Product: Business Money Market Accounts
Minimum Balance: $75,000
Dividend Rate: 1.69%
Annual Percentage Yield: 1.70%
Product: Business Money Market Accounts
Minimum Balance: $100,000
Dividend Rate: 1.74%
Annual Percentage Yield: 1.75%
Fire Station Loan.
If you’re interested in our Fire Station Loan, please contact the Business Services team and we’ll walk you through your options.