Savings, Money Market, and Checking Account Rates*

Rates effective 9/1/18 and are subject to change.



Savings & Money Market Accounts

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
$ 2,500.00 - 49,999.99
$ 50,000.00 - 99,999.99
$100,000.00 and Over

0.05%
0.70%
0.80%
0.95%



Checking Accounts

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.

Fee Schedule

Share Certificate Account Rates
Annual Percentage Yield

Rates effective 9/1/18 and are subject to change.



Regular Share Certificate Accounts

6 Month Share Certificate

$1,000

1.25% - 1.26%

1.30% - 1.31%

1.35% - 1.36%

1 Year Share Certificate

$1,000

1.75% - 1.76%

1.80% - 1.81%

1.85% - 1.87%

2 Year Share Certificate

$1,000

1.90% - 1.92%

1.95% - 1.97%

2.00% - 2.02%

3 Year Share Certificate

$1,000

2.08% - 2.10%

2.13% - 2.15%

2.18% - 2.20%

5 Year Share Certificate

$1,000

2.55% - 2.58%

2.60% - 2.63%

2.65% - 2.68%



Rookie Share Certificate

1 Year Rookie Share Certificate

$250 - $2,500

1.75% - 1.76%



Retirement Liquid Share Certificates

1 Year Retirement Share Certificate

$10,000

1.80 % - 1.81%

1.85% - 1.87%

1.90 % - 1.92%

2 Year Retirement Share Certificate

$10,000

1.95 % - 1.97%

2.00% - 2.02%

2.05 % - 2.07%

5 Year Retirement Share Certificate

$10,000

2.60% - 2.63%

2.65% - 2.68%

2.70% - 2.73%



Coverdell ESA Share Certificates**

18 Month Coverdell ESA Share Certificate

$1,000

1.80% - 1.81%

1.85% - 1.87%

3 Year Coverdell ESA Share Certificate

$1,000

2.08% - 2.10%

2.13% - 2.15%

5 Year Coverdell ESA Share Certificate

$1,000

2.55% - 2.58%

2.60% - 2.63%



*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.


Fee Schedule

Individual Retirement Account (IRA) Rates
Annual Percentage Yield

Rates effective 9/1/18 and are subject to change.



Traditional/Roth IRA Savings & Money Market

Traditional/Roth IRA Savings

$0

None

1.00%

Traditional/Roth IRA Money Market

$0

$ 0 - 2,499.99
$ 2,500.00 - 49,499.99
$ 50,000.00 - 99,999.99
$100,000.00 and Over

0.25%
0.70%
0.80%
0.95%



Traditional Roth/IRA Accounts

6 Month IRA

$1,000

1.25% - 1.26%

1.30% - 1.31%

1.35% - 1.36%

1 Year IRA

$1,000

1.75% - 1.76%

1.80% - 1.81%

1.85% - 1.87%

18 Month IRA

$1,000

1.80% - 1.81%

1.85% - 1.87%

1.90% - 1.92%

3 Year IRA

$1,000

2.08% - 2.10%

2.13% - 2.15%

2.18% - 2.20%

5 Year IRA

$1,000

2.55% - 2.58%

2.60% - 2.63%

2.65% - 2.68%



4 Month Freedom Traditional/Roth IRA

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.


Fee Schedule

Fixed Rate Vehicle Loans

Rates effective 9/1/18 and are subject to change.



New & Used Autos - Up to 120% Financing on Approved Credit

as low as 2.24%

60 Mos.

as low as 2.74%

72 Mos.

as low as 3.49%

84 Mos.

Representative Example: A $25,000 auto loan financed at 2.74% APR for 72 months would result in 72 payments of $376.94. 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

as low as 5.99%

24 Mos.

as low as 6.49%

60 Mos.

as low as 6.99%

72 Mos.

Representative Example: A $15,000 loan at 6.49% APR for 60 months would result in 60 payments of $293.42. 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, Campers, Personal Watercraft, Dirt bikes - New & Used

Up to 100% Financing

as low as 5.74%

72 Mos.

 

as low as 5.99%

120 Mos.

 

as low as 6.24%

180 Mos.

Representative Example: A $20,000 RV loan (Motor homes, Campers, Personal Watercraft, Dirt bikes, etc.) financed at 5.99% APR for 120 months would result in 120 payments of $221.94. Financing is not available for states who do not issue a title for a collateral loan. Maximum term for Camper Loans is 120 months. Maximum term for PWC, ATV and Dirt Bikes is 60 months. 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 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.



Fee Schedule

Today's Rates Mortgage Loans

 

Check out our competitive rates on the Mortgage Center

Mortgage Extinguisher

Primary Mortgage

Home Equity Line of Credit (HELOC)

Vacation Homes

Investment Properties

Reverse Mortgage

NMLS #649058
All rates subject to change without notice. For current rate information, please call 800-231-1626.


Fee Schedule

Credit Cards

Rates effective 9/1/18 and are subject to change.



Interest Rate & Interest Charges

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

Annual Fee/Setup & Maintenance Fees

NONE

NONE

Transaction Fees
• Balance Transfer Fees
• Cash Advance
• Foreign Transaction

 
• NONE
• NONE
• NONE

 
• NONE
• NONE
• NONE

Penalty Fees
• Returned Payment
• Late Payment

 
• $22.00
• $15.00

 
• $22.00
• $15.00



^Includes Classic VISA and Secured Classic VISA.

^^Includes Platinum VISA, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Proffesional Firefighters VISA, Professional Firefighters of Arizona VISA, Secured Professional Firefighters of Arizona 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 charged will be no less than $1.00.

Your Classic VISA and Secured Classic VISA are subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%).Your Platinum VISA, Secured Platinum VISA, California Professional Firefighters VISA, Secured California Professional Firefighters VISA, Professional Firefighters of Arizona VISA, and Secured Professional Firefighters of Arizona 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 9/1/2018 , 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.

Fee Schedule

Personal Loans

Rates effective 9/1/18 and are subject to change.



Safety-Line Open End Loan

9.24% - 18.00%

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 open-end loan financed at 9.24% with an estimated payoff of 18 months would result in monthly payments of $149.27. Your credit history and loan qualifications may result in a different interest rate and payment.



Signature Loan

as low as 9.24%

12 Months

as low as 9.74%

36 Months

as low as 10.24%

60 Months

Representative example: A $5,000 Signature Loan financed at 10.24% for a term of 60 months would result in 60 monthly payments of $106.83.



Share Secured Loan

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 Loan

2.00% over pledged share rate

Paid at maturity of certificate



Fire Station Loan

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.



Retirement Dinner Loan

0.81%

3 Months

Representative Example: A $2,500 Retirement Dinner Loan financed at 0.81% would result in 1 payment of $2,505.05.



Fee Schedule

Business

Rates effective 9/1/18 and are subject to change.



Business Savings Accounts (Dividend Rates)

Regular Shares

$5

0.25% / 0.25%

Secondary Shares

$0

0.25% / 0.25%



Business Money Market Accounts

Money Market

$0

0.05% / 0.05%

 

$2,500

0.70% / 0.70%

 

$50,000

0.80% / 0.80%

 

$75,000

0.80% / 0.80%

 

$100,000

0.95% / 0.95%



Share Certificates

6 Months

$1,000

1.25% / 1.26%

 

$50,000

1.30% / 1.31%

 

$100,000

1.35% / 1.36%

1 Year

$1,000

1.75% / 1.76%

 

$50,000

1.80% / 1.81%

 

$100,000

1.85% / 1.87%

2 Years

$1,000

1.90% / 1.92%

 

$50,000

1.95% / 1.97%

 

$100,000

2.00% / 2.02%

3 Years

$1,000

2.08% / 2.10%

 

$50,000

2.13% / 2.15%

 

$100,000

2.18% / 2.20%

5 Years

$1,000

2.55% / 2.58%

 

$50,000

2.60% / 2.63%

 

$100,000

2.65% / 2.68%



*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.


Fee Schedule

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.
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