Giving Back over $2 Million in Annual Profit Sharing for 2019!*

Share in Our Success!
This marks the 38th year we’re honoring the trust our member-owners have put in us by sharing a portion of our annual profits with them. Our Credit Union began 84 years ago with firefighters helping firefighters. We return our profits directly to our members in the form of an Annual Profit Sharing program to recognize this legacy. This year’s payout of more than $2 million brings total profits returned to members to over $48 million.



How We Do It
Each member-owner contributes to the success of the Credit Union and grows the rewards for our entire Fire Family.

  • We deliver the products and services our members need and want
  • We make it easy and convenient to access services
  • We provide legendary service that far exceeds other financial institutions

Demonstrating a Clear Difference
Our commitment to our members remains forever strong. We build member loyalty by delivering exceptional products and services. We know our members and go the extra mile to exceed their expectations. That service pays off with member satisfaction.

Today, very few organizations share any percentage of their profits. The practice is unheard of for large financial institutions. Though sharing remains at the foundation of not-for-profit credit unions, many have discontinued Annual Profit Sharing programs.

Placing Trust in Us
Profit Sharing payouts at Firefighters First Credit Union represents a rebate on the interest members paid on loan accounts and a bonus on the dividends earned in savings accounts. The more members banked with Firefighters First Credit Union, the greater the annual payout. As an additional “thank you,” each household will be receiving $35 for maintaining accounts with our extended family of services:

  • Firehouse Financial** investment services
  • Firefighter Insurance Services (#0G87848)
  • Firefighters First Business Services, business loans or business lines-of-credit
  • Firefighters First Trust Services***

Proving One Important Point
The more you bring to Firefighters First, the more you receive in return!

* Exclusion from the year-end Annual Profit Sharing program may occur at the discretion of the Credit Union for accounts with any loan technically in default per 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, 2019 through December 31, 2019, regardless of the current status of the account. Refunds will not be paid to any member with a Firefighters First mortgage whose property taxes are more than one-year delinquent, had more than one extension agreement on a loan or has a mortgage loan or Home Equity Line of Credit (HELOC) that was modified, nor will payouts be made to any closed primary share accounts. 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 then to the share account. IRA payouts are posted to the IRA account unless that IRA account is closed, then the payout will be posted to the checking account, and if no checking account then to the share account. An Annual Profit Sharing Bonus or an Interest Refund may be declared at the discretion of the Firefighters First Board of Directors at year-end.

Members who have used Firehouse Financial and have a balance over $1000, have designated the Credit Union as your current or Successor Trustee and/or Executor in your estate planning documents (Trust Services), Firefighter Insurance Services, and Business Services, from January 1, 2019 to November 30, 2019, received an additional $35 for each of these services on December 31, 2019. Only 1 payout per household for each of the additional services. Payout for additional services is posted to the Primary member’s checking account, and if no checking account then to the share account.

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

*** Trust services are provided by Members Trust Company, a federal thrift regulated by the Office of the Comptroller of the Currency, Trust and investment products are not deposits of or guaranteed by the trust company, a credit union or credit union affiliate, are not insured or guaranteed by the NCUA, FDIC, or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested.

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