Join Us Maryland

Firefighters First Credit Union serves firefighters and their families exclusively with a full range of financial products and services.

Founded by Firefighters, for Firefighters

We’ve been serving the Fire Family exclusively for 85 years—we know you better than anyone else.

Get better banking:

  • Pay virtually no fees
  • Find some of the most competitive rates
  • Enjoy exclusive member perks

Join Now

Check out your New Member Benefits:

  • Earn $100 when you open a checking account with direct deposit1
  • Take a 0.50% APR NEW MEMBER DISCOUNT2 on any fixed-term loan
  • Receive a FREE REVIEW3 of your deferred comp, 401(k) and college savings plans
  • Get a FREE INSURANCE CHECK-UP4 of your coverage

Get Our Competitive Rates on Home Mortgages

Pay fewer fees and get unmatched service—from Frederick to Annapolis!

Firefighters First Credit Union, in partnership with Credit Union Mortgage Association (CUMA), provides mortgages in Maryland to firefighters and their families.

Whether you are buying new or refinancing, we have a home mortgage that’s right for you. Loan rates have reached all-time lows.  You’ll find less mortgage paperwork and a hassle-free online loan application process.

Get your home loan decision in minutes!

Home Mortgages for the Maryland Fire Family


Adjustable Rate Mortgages

Many homeowners sell or refinance in less than 7 years. So, consider an Adjustable Rate Mortgage (ARM). Start with a lower rate and pocket the savings. If you are refinancing, check out our 5/5 or 7/1 ARM.

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Fixed-Rate Mortgages

Maintain consistent payments. Refinance with a 15-year fixed rate. Pay down your mortgage faster and save thousands in interest. Consider our 30-year fixed rate if you’ve found a home to stay—no gimmicks here.

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First-Time Home Buyer

Need extra help? Take a look at our step-by-step buying guides. Use loan calculators to estimate your payments. Most importantly, get pre-approved.

Learn More


Start the Loan Process, Join Later

Apply Now

We have Members in Fire Stations across Maryland:


Baltimore City Fire Department

Baltimore City Fire Department

Montgomery County Fire & Rescue Service

Montgomery County Fire & Rescue Service

Baltimore County Fire Department

Baltimore County Fire Department

Anne Arundel County Fire Department

Anne Arundel County Fire Department

Prince George's Fire/EMS Department

Prince George's Fire/EMS Department

Frederick County Division of Fire and Rescue Services

Frederick County Division of Fire and Rescue Services

NMLS ID #649058. Mortgages available in Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st TD only), Utah and Washington.

For mortgages in all other states click here

1Offer limited to new Firefighters First Credit Union members only, valid for six (6) months from the opening date of membership. Spousal accounts are excluded. This offer cannot be combined with any other offers. Minimum of $1,000 per month in direct deposits for two (2) consecutive months is required to receive the $100 incentive. Incentive will be paid within 90 days following the second consecutive month of at least $1,000 in direct deposits. Incentives are considered taxable income and may be reported on IRS Form 1099-INT. Rates subject to change after account opening. Fees may reduce earnings on account. No minimum balance required to open the account.

2Offer limited to new Firefighters First Credit Union members only and is valid for one (1) year (12 months) from the opening date of membership. Spousal accounts are excluded. A limit of one discount per household. This offer can be combined with other offers. 0.50% APR loan discount applies to all fixed consumer loans including: autos, motorcycles, boats, motor homes, travel trailers, dirt bikes, ATVs, and signature loans. Excludes VISA® credit cards, mortgages, lines of credit, and share-secured loans. All loans are subject to credit approval and are subject to Credit Union policies and procedures.

3Non-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.

4Firefighter Insurance Services (license #0G87848) is not insured by NCUA.