Over $1.6 Million in Extraordinary Dividend Bonuses and Interest Refunds in 2016!*

Share in Our Success! At Firefighters First Credit Union, our members are our shareholders. That's why our profits are returned directly to our members in the form of Extraordinary Dividend Bonuses and Interest Refunds.

How We Do It

Constant improvements – Our competitive deposit accounts, loan products and convenient services rival those offered by larger financial institutions.

Growth in membership – With each new fire department and new family member contributing to the success of your Credit Union, the rewards grow for our entire Fire Family.

Demonstrating a Clear Difference

Our giveback is a unique benefit among financial institutions and unheard of when it comes to large banks.

This enables us to truly demonstrate our promise to you – It's Yours.

2016 Amazing Member Payout

Firefighters First members earned over $1.6 Million in:

Extraordinary Dividends Bonuses from dividends earned on share, money market, certificate and IRA accounts.

Interest Refunds from interest paid on most loans.

As a thank you for using additional products, each Household will receive $30 for each of the following services they have**:

Firehouse Financial*** account

Firefighters Insurance Services account

Have a business loan (this can be a commercial real estate, VISA, Line of Credit, etc.)

Mortgage Servicing loans (you have your real estate loan with us but it is serviced on the secondary market through Fannie or Freddie)

Proving One Important Point

The more you bring to the Credit Union, the more you receive in return!

For details regarding your specific payout, please log on to your account in online or mobile banking or check your statement.


• If you had $100,000 in a share certificate and it earned a 1% yield, based on the 2016 Extraordinary Dividend Bonus, you received an extra $120.

• If you paid $4,000 in interest for the year on a loan with us, based on the 2016 Interest Refund, you received a refund of $108.

Frequently Asked Questions

When will my dividend bonus be deposited?
Your dividend bonus has already been deposited into your Firefighters First share account. Please check your account for details.

Where will the $30 for additional products bonus be deposited?
Your additional services bonus will be deposited into your checking account. If you do not have a checking account it will be deposited into your share account. If you have multiple checking accounts, it will be deposited into the first checking account that you opened with the Credit Union.

*Exclusion from the year-end Extraordinary Dividend Bonus/Interest Refund may occur at the discretion of the Credit Union for accounts with any loan technically in default per the original agreement. An Interest Refund and/or Extraordinary Dividend Bonus will not be paid to any member who had a delinquency condition of 59 days or more on any loan during the period of January 1, 2016 through December 31, 2016, regardless of the current status of the account. Refunds will not be paid to any member with a Firefighters First mortgage whose property taxes are more than one year delinquent, had more than one extension agreement on a loan or has a mortgage loan that was modified, nor will payouts be made to any closed primary share accounts. Not included in the Extraordinary Dividend Bonus/Interest Refund are the following share and loan types: Share draft (personal or business), Holiday Helper, Freedom certificates, any business loans, share or certificate secured loans, Mortgage Servicing Loan, Senior Equity Access real estate loans, Retirement or Fire Station loans, Credit Builder loans, and Emergency loans. Other exclusions may apply. All payouts, except IRA, will be posted to the share account. IRA payouts are posted to the IRA account unless that IRA account is closed, then the payout will be posted to the checking account, and if no checking account then to the share account.

** Only 1 payout per household for each of the additional services they have. Payout for additional services is posted to the Primary member's checking account.

*** Non-deposit investment products and services offered through CUSO Financial Services, L.P. (CFS), a registered-broker dealer (Member FINRA/SIPC) and SEC Registered Investment Adviser. Products offered through CFS: are not insured by National Credit Union Administration (NCUA), 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. Firefighters First Credit Union has contracted with CFS to make non-deposit investment products and services available to its members.

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Sign Up for Online Banking

Ready to sign up for OnLine Banking? Follow these instructions or give us a call at 800.231.1626

  • Log in to Online Banking at the top of the page by using your member number and the last four digits of your SSN, or if it is a business, the last four digits of your tax ID as your temporary password. You will be prompted to change your PIN through this process.
  • Confirm personal account information and accept the disclosure agreement.
  • Create a secure Username and Password for OnLine Banking.
  • Verify your identity by receiving and entering your One Time Passcode.
  • Select "Yes, register my private computer" if you are using a private home computer, or "No, this is a public computer" if using a public or shared computer (work, library, internet café).
  • Keep your personal User Name and Password private and confidential for future use.

Having trouble accessing your accounts?

Try these troubleshooting tips:

Still having trouble accessing online banking? Give us a call at 800.231.1626.


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