Rates

Savings & Money Market Accounts

Account Type

Minimum Deposit To Open Account

Minimum Balance to Earn Dividends

Annual Percentage Yield

Regular Share Account

$5 minimum balance is required to maintain a Regular Savings account.

$5

None

0.25%

Holiday Helper

$0

None

0.30%

Coverdell ESA Shares**

$0

None

1.00%

Money Market

$0

$ 0 - 2,499.99

0.05%

Money Market

$0

$ 2,500.00 - 49,999.99

0.60%

Money Market

$0

$ 50,000.00 - 74,999.99

0.60%

Money Market

$0

$ 75,000.00 - 99,999.99

0.60%

Money Market

$0

$100,000.00 and Over

0.70%

Checking Accounts

Account Type

Minimum Deposit To Open Account

Minimum Balance to Earn Dividends

Annual Percentage Yield

Ready Checking

$0

None

0.05%

eChecking

$0

None

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. 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.

Regular Share Certificate Accounts
Term Minimum Balance Dividend Rate
$1,000 - $49,999.99
Annual Percentage Yield
$1,000 - $49,999.99
Dividend Rate
$50,000 - $99,999.99
Annual Percentage Yield
$50,000 - $99,999.99
Dividend Rate
$100,000 and over
Annual Percentage Yield
$100,000 and over
6 Month Share Certificate $1,000 1.05% 1.06% 1.10% 1.11% 1.15% 1.16%
1 Year Share Certificate $1,000 1.30% 1.31% 1.35% 1.36% 1.40% 1.41%
2 Year Share Certificate $1,000 1.45% 1.46% 1.50% 1.51% 1.55% 1.56%
3 Year Share Certificate $1,000 1.58% 1.59% 1.63% 1.64% 1.68% 1.69%
5 Year Share Certificate $1,000 1.75% 1.76% 1.80% 1.81% 1.85% 1.87%
Rookie Share Certificate
Term Minimum Balance - Max Balance Dividend Rate Annual Percentage Yield
1 Year Rookie Share Certificate $250 - $2,500 1.30% 1.31%
Retirement Liquid Share Certificates
Term Minimum Balance Dividend Rate
$10,000 - $49,999.99
Annual Percentage Yield
$10,000 - $49,999.99
Dividend Rate
$50,000 - $99,999.99
Annual Percentage Yield
$50,000 - $99,999.99
Dividend Rate
$100,000 and over
Annual Percentage Yield
$100,000 and over
1 Year Retirement Share Certificate $10,000 1.40% 1.41% 1.45% 1.46% 1.50% 1.51%
2 Year Retirement Share Certificate $10,000 1.65% 1.66% 1.70% 1.71% 1.75% 1.76%
5 Year Retirement Share Certificate $10,000 1.80% 1.81% 1.85% 1.87% 1.90% 1.92%
Coverdell ESA Share Certificates**
Term Minimum Balance Dividend Rate
$1,000 - $9,999.99
Annual Percentage Yield
$1,000 - $9,999.99
Dividend Rate
$10,000 and over
Annual Percentage Yield
$10,000 and over
18 Month Coverdell ESA Share Certificate $1,000 1.45% 1.46% 1.50% 1.51%
3 Year Coverdell ESA Share Certificate $1,000 1.58% 1.59% 1.63% 1.64%
5 Year Coverdell ESA Share Certificate $1,000 1.75% 1.76% 1.80% 1.81%

*APY=Annual Percentage Yield. Federally insured by the NCUA. Dividends will be compounded monthly and will be credited monthly.

**Coverdell ESA Share Certificate = Education Savings Account.

A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account. All rates subject to change without notice. For current rate information, please call 800-231-1626.

Traditional/Roth IRA Savings & Money Market

Account Type

Minimum Deposit To Open Account

Minimum Balance to Earn Dividends

Annual Percentage Yield

Traditional/Roth IRA Savings

$0

None

1.00%

Traditional/Roth IRA Money Market

$0

$ 0 - 2,499.99

0.25%

Traditional/Roth IRA Money Market

$0

$ 2,500.00 - 49,499.99

0.60%

Traditional/Roth IRA Money Market

$0

$ 50,000.00 - 74,999.99

0.60%

Traditional/Roth IRA Money Market

$0

$ 75,000.00 - 99,999.99

0.60%

Traditional/Roth IRA Money Market

$0

$100,000.00 and Over

0.70%

Traditional Roth/IRA Accounts
Term Minimum Balance Dividend Rate
$1,000 - $49,999.99
Annual Percentage Yield
$1,000 - $49,999.99
Dividend Rate
$50,000 - $99,999.99
Annual Percentage Yield
$50,000 - $99,999.99
Dividend Rate
$100,000 and over
Annual Percentage Yield
$100,000 and over
6 Month IRA $1,000 1.05% 1.06% 1.10% 1.11% 1.15% 1.16%
1 Year IRA $1,000 1.30% 1.31% 1.35% 1.36% 1.40% 1.41%
18 Month IRA $1,000 1.45% 1.46% 1.50% 1.51% 1.55% 1.56%
3 Year IRA $1,000 1.58% 1.59% 1.63% 1.64% 1.68% 1.69%
5 Year IRA $1,000 1.75% 1.76% 1.80% 1.81% 1.85% 1.87%
4 Month Freedom Traditional/Roth IRA

Term

Minimum Balance Dividend Rate Annual Percentage Yield

4 Month Freedom Traditional/Roth IRA (New Money Only)

$0 1.39% 1.39%

*APY=Annual Percentage Yield. Fees may reduce earnings on accounts. Rates on savings and money market accounts are variable and are subject to change after the account is opened. For fees, refer to the current Schedule of Service Charges and Fees. Federally insured by the NCUA. Dividends are earned daily and credited and compounded monthly rate which corresponds to your account balance.

All rates subject to change without notice. For current rate information, please call 800-231-1626.

New & Used Autos†
Up to 120% Financing on Approved Credit
Annual Percentage Rate (APR) as low as Term (up to)
1.99% 24 Mos.
1.99% 36 Mos.
2.24% 48 Mos.
2.49% 60 Mos.
2.99% 72 Mos.
3.49% 84 Mos.

Representative Example: A $25,000 auto loan financed at 2.99% APR for 72 months would result in 72 payments of $380.20. Maximum term for auto loans is 84 months. Maximum term for used autos over five (5) years old is 60 months. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626.

New & Used Motorcycles†
Up to 120% Financing on Approved Credit
Annual Percentage Rate (APR) as low as Term (up to)
5.74% 24 Mos.
6.24% 60 Mos.
6.74% 72 Mos.

Representative Example: A $15,000 loan at 6.24% APR for 60 months would result in 60 payments of $292.41. Maximum term for motorcycle loans is 72 months. Maximum term for used motorcycle over five (5) years old is 60 months. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626.

Motor homes, Personal Watercraft, Dirt bikes†
New & Used
Financing Annual Percentage Rate (APR) as low as Term (up to)
Up to 100% Financing 4.24% 84 Mos.
Up to 100% Financing 4.74% 120 Mos.
Up to 100% Financing 5.24% 180 Mos.

Representative Example: A $20,000 RV loan (Motor homes, Trailers, and Boats) financed at 4.24% APR for 84 months would result in 84 payments of $276.09. 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. Terms up to 180 months for Motor Homes, boats, and travel trailers. Terms up to 60 months for personal watercraft, ATVs and dirt bikes. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626.


† Based on credit worthiness. APR requires full direct deposit. To qualify for the (0.50%) direct deposit discount, funds must be deposited into your Firefighters First checking account. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. If direct deposit is canceled the APR will increase to the current Market Rate. All loans are subject to credit approval and are subject to Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626

Check out our competitive rates on the Mortgage Center
Primary Mortgage
Home Equity Line of Credit (HELOC)
Vacation Homes
Reverse Mortgage

NMLS #649058

All rates subject to change without notice. For current rate information, please call 800-231-1626.

Interest Rate & Interest Charges
Rate/Charge

Classic VISA Card

Platinum VISA Card

Annual Percentage Rate (APR) for purchases

11.99%

8.99% - 16.99%
When you open your account based on credit worthiness

APR for Balance Transfers

11.99%

8.99% - 16.99%

APR for Cash Advances

11.99%

8.99% - 16.99%

Paying Interest

We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge For VISA, if You are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at: www.consumerfinance.gov/learnmore.

Fees
Fees Classic VISA Cards^ Platinum VISA Cards^^
Annual Fee/Setup & Maintenance Fees NONE NONE
Transaction Fees
Balance Transfer Fees NONE NONE
Cash Advance NONE NONE
Foreign Transaction NONE NONE
Penalty Fees
Returned Payment $22.00 $22.00
Late Payment $15.00 $15.00

^Includes Classic VISA and Secured Classic VISA.

^^Includes Platinum VISA, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Secured 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, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, Secured 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.

The information in this disclosure was accurate as of April 9, 2020 , 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, 815 Colorado Blvd., Los Angeles, CA 90041; or visit our website at: www.firefightersfirstcu.org.

All rates subject to change without notice. For current rate information, please call 800-231-1626.

Safety-Line Open End Loan
Annual Percentage Rate (APR) Term (up to)
8.49% - 17.49% N/A

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 8.49% with an estimated payoff of 18 months would result in 18 monthly payments of $148.94. Your credit history and loan qualifications may result in a different interest rate and payment.

Signature Loan
Annual Percentage Rate (APR) Term (up to)
8.74% 12 Months
9.24% 36 Months
9.74% 60 Months

Representative example: A $5,000 Signature Loan financed at 9.74% for a term of 60 months would result in 60 monthly payments of $106.02.
† Based on credit worthiness. APR requires full direct deposit. To qualify for the direct deposit discount, funds must be deposited into your Firefighters First checking account. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. If direct deposit is canceled the APR will increase to the current Market Rate. All loans are subject to credit approval and are subject to Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, please call 800-231-1626.

Share Secured Loan
Annual Percentage Rate (APR) Term (up to)
2.00% over current regular share rate 180 Months

Representative Example: A $5,000 loan financed at 2.25% APR for 60 months would result in 60 payments of $88.19

Share Certificate Secured Loan (excluding IRA)
Annual Percentage Rate (APR) Term (up to)
2.00% over pledged Share Certificate Rate Paid at maturity of certificate
Fire Station Loan
Annual Percentage Rate (APR) Term (up to)
4.99% 36 Months

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 $500 per position assigned to the fire station. An example would be: Six (6) people work at a fire station on each shift for a total of 18 people. The maximum that fire station may borrow is $9,000 (excluding retirement dinner loans). Fire Station and Retirement Dinner Loans are separate from and not included in the Credit Union’s risk based lending program’s underwriting of pricing guidelines.

Retirement Dinner Loan
Annual Percentage Rate (APR) Term (up to)
1.23% 3 Months

Representative Example: A $2,500 Retirement Dinner Loan financed at 1.23% would result in 1 payment of $2,502.53.
The maximum loan amount is $500 per position assigned to the fire station. An example would be: Six (6) people work at a fire station on each shift for a total of 18 people. The maximum that fire station may borrow is $9,000 (excluding retirement dinner loans). Fire Station and Retirement Dinner Loans are separate from and not included in the Credit Union’s risk based lending program’s underwriting of pricing guidelines.

Business Savings Accounts (Dividend Rates)

Account Type

Minimum Deposit To Open Account Dividend Rate Annual Percentage Yield

Regular Shares

$5 minimum balance is required to maintain a Regular Savings account.

$5 0.25% 0.25%

Secondary Shares

$0 0.25% 0.25%
Business Money Market Accounts
Minimum Balance Dividend Rate Annual Percentage Yield
$0 0.05% 0.05%
$2,500 0.60% 0.60%
$50,000 0.60% 0.60%
$75,000 0.60% 0.60%
$100,000 0.70% 0.70%
Share Certificates
Account Term Minimum Balance Dividend Rate Annual Percentage Yield
6 Months $1,000 1.05% 1.06%
6 Months $50,000 1.10% 1.11%
6 Months $100,000 1.15% 1.16%
1 Year $1,000 1.30% 1.31%
1 Year $50,000 1.35% 1.36%
1 Year $100,000 1.40% 1.41%
2 Years $1,000 1.45% 1.46%
2 Years $50,000 1.50% 1.51%
2 Years $100,000 1.55% 1.56%
3 Years $1,000 1.58% 1.59%
3 Years $50,000 1.63% 1.64%
3 Years $100,000 1.68% 1.69%
5 Years $1,000 1.75% 1.76%
5 Years $50,000 1.80% 1.81%
5 Years $100,000 1.85% 1.87%

*APY=Annual Percentage Yield

All Firefighters First Credit Union deposit accounts except for share certificates have a variable rate.

Deposit minimums and withdrawal limitations vary with different account types.

Certificate accounts are subject to penalties for early withdrawal. These accounts are at a fixed rate until maturity. Dividends will be compounded monthly and will be credited monthly.

All Savings & IRA Programs: Dividends are calculated daily from day of deposit to day of withdrawal and are posted monthly. These are variable rate accounts and rates may change after account opening.

A penalty will or may be imposed for early withdrawal. Fees can reduce earnings on an account.

Federally insured by the NCUA.

All rates subject to change without notice. For current rate information, please call 800-231-1626.