Our story began in 1935, when a group of Los Angeles firefighters pooled their money in a cigar box to help new recruits afford essential gear. That same commitment to supporting one another still defines us today. As a member-owned credit union, every dollar we earn is reinvested into better rates, services, and support for you.

Joining Firefighters First Credit Union means more than opening an account. It means becoming part of a 90-year tradition rooted in service, trust, and the strength of the fire family.
  • $2.4B+
    in assets
  • 78,000+
    members supported
  • 1,800+
    fire departments

Who qualifies for membership.

Membership with Firefighters First is reserved for firefighters and the people who matter most to them. Here’s who’s eligible, and what being a member means for you.

Firefighters and fire department personnel.

New, active and retired firefighters are eligible to join, along with fire department employees, staff of nonprofit organizations that support firefighters, and individuals receiving pensions from any of these groups.

Spouses and immediate family members.

Immediate family members of eligible individuals are also welcome to join, including spouses, children, stepchildren, adopted children, parents, stepparents, siblings, grandparents and grandchildren.

A membership that lasts a lifetime.

Once enrolled, family members enjoy lifetime membership with full access to all products and services. Membership never expires and remains active regardless of employment or any other status.

Join today

What membership means.

This is your credit union. Built for your career, your income and your goals, with a team that is here every step of the way.

You’re an Owner

As a member, you share in our success every single year.

  • Annual Profit Sharing Program
  • $5M+ returned in 2025
  • Your Voice, Your Credit Union

Products Built for You

Every product here is designed for the Fire Family.

  • Products that Grow with You
  • Competitive Fire Family Rates
  • Support at Every Career Stage

Legendary Service

Legendary service is not a tagline. It is how we operate.

  • Staff Who Know Fire Service
  • Responsive When It Matters
  • A Partner You Can Trust
Become a Member

What you get as a new member.

Joining Firefighters First delivers immediate value. New members can take advantage of the following offers during their first twelve months of membership.

0.75% Annual Percentage Yield (APY) dividend rate bump.1

Earn an enhanced rate on any share certificate opened as a new member. This rate increase applies to all share certificate accounts for twelve months from your join date.

$250 when you open a checking account with direct deposit.2

Open a checking account and set up direct deposit of at least $1,000 per month for two consecutive months to receive a $250 bonus deposited within 90 days.

Free insurance check-up.4

Receive a complimentary insurance review through Insurance Services to ensure your coverage is properly aligned with your needs.

Free financial analysis.5

Get a complimentary review of your deferred compensation, 401(k) or 457 plan and college savings plan from the advisors at Investment Services.

Join today
BUSINESS MEMBERSHIP

Business services built around those who serve.

Business accounts are available for member-owned businesses, fire departments, unions and fire-related nonprofits. Each account is designed to support the organizations that strengthen and serve the Fire Family.

Explore business membership
HOW TO JOIN

Applying is fast and easy.

To join, you’ll need the following information to submit your application.

  • Government-issued ID with your current address.
  • Your complete physical and mailing address.
  • Social Security Number.
  • Date of Birth.
  • Career firefighters will also need their Firefighter ID.
Get started today

1. APY = Annual Percentage Yield and is accurate as of the last dividend declaration date. Offer limited to new Firefighters First Credit Union members only and is valid for twelve (12) months from the opening date of membership. Spousal accounts are excluded. A limit of one dividend rate bump per household. 0.75% dividend rate bump applies to all share certificate accounts. The dividend rate and APY are subject to change without notice. Firefighters First Share Certificate: Dividends are compounded monthly and credited monthly. A penalty for early withdrawal may be imposed.

2. 0.00%-0.05% Annual Percentage Yield (APY) is accurate as of the last dividend declaration date, Offer limited to new Firefighters First Credit Union members only, valid for twelve (12) months from the opening date of membership. Spousal accounts are excluded. Minimum of $1,000 per month in direct deposits for two (2) consecutive months is required to receive the $250 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.

3. APR = Annual Percentage Rate (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. Loans currently financed with Firefighters First Credit Union are not eligible for this offer. 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.

Offer 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 and members under the age of 18 are excluded. A limit of one discount per household.

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.

4. Insurance Services is an independent agency licensed in all fifty states and DC. CA Resident License Number #0G87848.

5. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Firefighters First Credit Union and Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services, and may also be employees of Firefighters First Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Firefighters First Credit Union or Investment Services. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by NCUA or Any Other Government Agency
  • Not Credit Union Guaranteed
  • Not Credit Union Deposits or Obligations
  • May Lose Value

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

For current rate information, please visit our Rates page.