Credit union · Privately insured
SF Fire Credit Union Savings Rates
Top CarrotSF Fire Credit Union’s best savings rate is 4.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How SF Fire Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where SF Fire Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SF Fire Credit Union
4.35%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $435
Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
SF Fire Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0004.35%
- $10,000 balance$10,0004.35%
- $100,000 balance$100,0004.35%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SF Fire Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 4.35%APY
Promotional rate available on eligible new money deposited from October 1 through December 31, 2026. Existing balance baseline as of September 30, 2026 earns the standard APY. New money refers to funds not currently held at SF Fire Credit Union or funds held in another SF Fire account for 30 days or less. Active and retired Fire Department employees qualify for a 0.25% promotional rate bump on new money (4.60% APY) and a 0.10% bump on standard balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to eligible new money deposited October 1 through December 31, 2026 (above the September 30, 2026 baseline for existing accounts). Beginning January 1, 2027, balances earn the then-current standard APY. Active and retired Fire Department employees qualify for a 0.25% rate bump to 4.60% APY.Any balance | 4.35% | $435 | Applies to eligible new money deposited October 1 through December 31, 2026 (above the September 30, 2026 baseline for existing accounts). Beginning January 1, 2027, balances earn the then-current standard APY. Active and retired Fire Department employees qualify for a 0.25% rate bump to 4.60% APY. |
| Any balanceStandard APY applies to balance equal to or below the September 30, 2026 baseline, or funds not qualifying as eligible new money. Active and retired Fire Department employees qualify for a 0.10% rate bump.Any balance | 2.00% | $200 | Standard APY applies to balance equal to or below the September 30, 2026 baseline, or funds not qualifying as eligible new money. Active and retired Fire Department employees qualify for a 0.10% rate bump. |
Sources (1)
- sffirecu.org/high-yield-savings/money-market · captured Oct 16, 2026
Savings Account
2.00%APY
No balance minimums, no monthly fees, and no direct deposit requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount must be funded with new money not currently held at SF Fire Credit Union (or funds in another SF Fire account for 30 days or less). Minimum positive balance of $0.01 required to earn dividends.Any balance | 2.00% | $200 | Account must be funded with new money not currently held at SF Fire Credit Union (or funds in another SF Fire account for 30 days or less). Minimum positive balance of $0.01 required to earn dividends. |
Sources (1)
- sffirecu.org/high-yield-saving · captured Sep 16, 2026
Tiered Savings
0.02%APY
Free overdraft protection source with instant account-to-account transfers and $0 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. | 0.02% | $2 | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. |
| $10,000 and upA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. | 0.02% | $2 | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. |
| $50,000 and upA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. | 0.03% | — | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. |
| $100,000 and upA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. | 0.05% | — | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate. |
Sources (1)
- sffirecu.org/high-yield-saving/tiered-savings · captured Sep 16, 2026
Special-purpose accounts
Educational Savings
0.05%APY
Coverdell Educational Savings account with tax-free growth and ASI insurance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate, dividends credited monthly.Any balance | 0.05% | $5 | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate, dividends credited monthly. |
Sources (2)
- sffirecu.org/high-yield-health-savings-account
- sffirecu.org/high-yield-saving…dell-educational-savings
All captured Sep 16, 2026
Health Savings Account
0.05%APY
Includes $2 monthly fee and $0 annual spending requirement. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum positive balance of $0.01 is required for dividends to be earned. Rates are variable and dividends are credited monthly.Any balance | 0.05% | $5 | A minimum positive balance of $0.01 is required for dividends to be earned. Rates are variable and dividends are credited monthly. |
Sources (2)
All captured Sep 16, 2026
IRA Savings
0.05%APY
Retirement savings account with zero fees and low minimum deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum positive balance of $0.01 is required for dividends to be earned. Variable rate, dividends credited monthly.Any balance | 0.05% | $5 | A minimum positive balance of $0.01 is required for dividends to be earned. Variable rate, dividends credited monthly. |
Sources (3)
- sffirecu.org/checking-and-savi…retirement-and-investing
- sffirecu.org/about-us/fee-schedule
- sffirecu.org/high-yield-health-savings-account
All captured Sep 16, 2026
Holiday Savings
0.02%APY
Funds available November 1st. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum positive balance of $0.01 is required for dividends to be earned. Dividends credited at the time of distribution of funds on November 1st (deposits must remain in the account until November 1st).Any balance | 0.02% | $2 | A minimum positive balance of $0.01 is required for dividends to be earned. Dividends credited at the time of distribution of funds on November 1st (deposits must remain in the account until November 1st). |
Sources (2)
All captured Sep 16, 2026
Who can join SF Fire Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the credit union by becoming a member of the Community Impact Fund (CIF) at no cost.
Where you live or work
- Individuals who live, work, or attend school in San Francisco, San Mateo, or Marin County are eligible for membership.
Employers and groups
- Active members of the California State Firefighters’ Association are eligible for membership.
Military, government and schools
- Active or retired firefighters in San Francisco, San Mateo, or Marin County, as well as members and employees of Local IAFF 1171, Santa Clara Firefighters, are eligible for membership.
Family and household
- Family of SF Fire Credit Union members are eligible to join.
Membership information collected October 5, 2026.