Everyday Banking
Upgrade your cards and savings to match your mid-career income.
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Visa Signature® or Platinum Card for maximum cashback -
Money Market Account for savings above your emergency fund
Mid-career is where the real decisions begin.
Mid-career is where the real financial decisions get made. The foundation is in place, the paycheck is consistent and the question shifts from how do I get started to how do I make the most of what I have built. At Firefighters First, we understand the financial realities that come with an active firefighting career, and here is what we recommend.
Your recommended mid-career setup.
Here is what we recommend for active firefighters who want to make the most of their earning years.
Home & Vehicle
Competitive rates built around how firefighters actually earn.
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Mortgage Loans for homeownership
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Auto Loans for your next vehicle
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RV, Boat or ATV Loan for outdoor fun
Wealth Management
Start protecting what you have built and set up the next chapter.
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Investments and Retirement
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Insurance for your home, vehicle, and recreational vehicle
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Support beyond basic filings
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Legacy & Estate
Three cards. Find your perfect match.
Every Firefighters First Visa® credit card comes with no annual fee and no foreign transaction fees. Compare your options and find the one that fits your spending habits and financial goals.
Visa® Classic
Build credit and qualify for better loan rates.
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Unlimited 0.50% Cashback1
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Fixed 11.99% APR2
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Purchase Security
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Auto Rental Collision Coverage
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No Balance Transfer Fees
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No Foreign Transaction Fees
Visa® Platinum
Low rate and cashback on every dollar you spend.
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Unlimited 1.00% Cashback1
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8.99% to 16.99% APR2
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Purchase Security
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Auto Rental Collision Coverage
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No Annual Fee
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No Balance Transfer Fees
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No Foreign Transaction Fees
Visa® Signature
Premier rewards and benefits exclusive to this card.
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Unlimited 2.00% Cashback1
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14.49% to 17.99% APR2
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Cell Phone Protection
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Rideshare Protection
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Travel and Dining Discounts
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24/7 Concierge3
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No Annual Fee
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No Balance Transfer Fees
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No Foreign Transaction Fees
MONEY MARKET
Your balance is growing. Make sure your rate is too.
Once your balance grows, put it to work harder. Tiered dividends increase automatically as your balance does, with full access and a $2,500 minimum. Variable rate, no fixed term.
Buying a home?
We help you get there.
From firefighter income that confuses standard lenders to rate drops after closing, Firefighters First has the mortgage products, tools and people to help you buy with confidence.
Buying a vehicle?
We’ve got you covered.
Firefighters First offers competitive auto loan rates and simple terms to help mid-career firefighters finance the right vehicle with ease and confidence.
Have your eye on something fun?
Firefighters work hard and play hard too. If an RV, boat or ATV is on your list, Firefighters First offers competitive financing and insurance to help protect your investment.
Financing for your RV adventure.
Finance the RV that fits your next adventure with competitive rates and flexible options.
Boat financing for life on the water.
Set sail with financing designed to help you purchase the boat you’ve been dreaming about.
ATV loans built for off-road fun.
Get the ride you want with financing for ATVs and other off-road vehicles.
Insurance for your recreational vehicles.
Protect your recreational vehicles with coverage built for boats, RVs, ATVs and more.
Investment Services
Invest and plan.
For the long term.
Mid-career is the right time to take a serious look at your retirement picture. Investment Services provides professional investment guidance and retirement planning for Fire Family members, with advisors who understand the financial landscape of a firefighting career.
Tax Services
Get taxes right.
Take home more.
Firefighter income is more complex than a standard W-2. Overtime, shift differentials and secondary employment all create tax considerations a general preparer may miss. Tax Services works exclusively with Fire Family members to help you file accurately and plan proactively.
INSURANCE SERVICES
Life insurance.
Security that lasts.
Life insurance decisions come down to family, income and making sure your loved ones are never left dealing with financial stress on top of everything else. Insurance Services works with Investment Services to help you find the right coverage for your family, your home and your future.
Legacy & Estate
Plan now.
Secure your legacy.
You do not have to be near retirement to start thinking about estate planning. If you have a home, a family or significant assets, having the right legal structure in place matters now. We can help you establish a living trust, review your beneficiary designations or start a broader estate planning conversation.
1. Certain restrictions, limitations, and exclusions apply. Refer to full program terms and conditions to confirm specific coverage levels.
2. Visa® Classic 11.99% APR (Annual Percentage Rate). Visa® Platinum (fixed rate) 8.99% – 16.99% APR, when you open your account based on credit worthiness. Visa® Signature (variable rate) 14.49% – 17.99% APR, when you open your account based on credit worthiness.
3. Cardholders are responsible for the cost of any goods or services purchased by the Visa® Signature Concierge on cardholders’ behalf.
All loans subject to credit approval.