Your membership starts with a single account.
Your $5 minimum balance is your ownership stake. It establishes your membership, gets your savings growing and puts everything else at Firefighters First within reach.
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You own a share of FFCU. -
Monthly dividends credited.
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Federally insured by the NCUA.
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No monthly fees ever.
Unlock everything the Fire Family has access to.
Your Regular Savings Account is the first step. Here is what your membership opens up beyond it.
Competitive loans and credit products.
As a member, you gain access to competitive rates on vehicle loans, personal loans, lines of credit, credit cards and mortgage products, all built exclusively for the Fire Family.
Investment and tax services.
Your membership includes access to investment services through Investment Services and tax preparation services through Tax Services.**
Use your savings as collateral.
Your savings account can be used as collateral for a secured loan, giving you access to credit at a lower rate by leveraging the balance you have already built.
Everything you need to know about regular savings.
What is a Regular Savings Account at a Credit Union?
At a credit union, a savings account is called a share account because each member owns an equal share of the institution. Your Regular Savings Account establishes your membership and your ownership stake in Firefighters First Credit Union. It works like any other savings account but comes with the added benefit of member ownership.
Why is it called a Share Account?
Credit unions are member-owned cooperatives. When you open a savings account, you purchase a share of the credit union, which is why it is called a share account. As a member-owner, you have the right to vote on credit union decisions and receive a share of the credit union’s profits through dividends and profit sharing.
What is the Minimum Balance required?
A minimum balance of $5 is required to maintain your Firefighters First Credit Union membership.
Are my funds federally insured?
Yes. All Share Certificate deposits at Firefighters First Credit Union are federally insured by the NCUA up to $250,000 per depositor.
Are my funds federally insured?
Yes. Deposits at Firefighters First Credit Union are federally insured by the NCUA. Coverage may exceed $250,000 depending on how your accounts are held and vested.
How are dividends calculated and paid?
Dividends are compounded monthly and credited to your account monthly. Your rate is variable and based on your account balance tier.
Can I use my Regular Savings account as collateral for a loan?
Yes. Your Regular Savings Account balance can be used as collateral for a Secured Loan, which typically results in a lower rate than an unsecured loan.
* Certain restrictions, limitations, and exclusions apply. See terms and conditions for details.
** Investments, taxes, insurance, or any other non deposit product are not credit union deposits or obligations, not federally insured by the NCUA or any other government agency, not credit union guaranteed, and may lose value.
A $5.00 minimum balance is required in a Regular Share Account to maintain Firefighters First Credit Union membership. Fees may reduce earnings. Dividends will be compounded monthly and credited monthly. All Firefighters First Credit Union deposit accounts except for share certificates have a variable rate. All rates subject to change. Federally insured by NCUA up to $250,000 depending on vesting.