Products and Services

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Fresno Fire Department Credit Union offers several savings accounts to meet your needs. All accounts are insured for at least $250,000 by the National Credit Union Administration (NCUA). To calculate your share insurance limits, please visit

Regular Share (Savings) Account

A primary share account with a minimum deposit of $25.00 is required to establish a credit union membership. Dividend rates are paid when the minimum deposit requirement is met. Deposits and withdrawals can be made at any time.

Kids-A-Riffic Share Accounts

For our youngest members ages 0 to 18, we offer a special savings account where the membership requirement is only $5.00. We do several contests throughout the year where our Kids-A-Riffic members can win fun prizes.

Special Savings Accounts

These special sub-savings accounts are a great way to save for a vacation, taxes, emergency fund, or anything else you can think of. The minimum deposit is only $1.00 and dividends are earned when there is at least $25.00 in the account.

Christmas Club

The Christmas Club savings account is a great way to save all year long for your holiday spending. A minimum deposit of $5.00 is required to open the account and dividends are earned with a minimum deposit of $25.00.

Share Draft (Checking)

Our regular checking accounts have no monthly service fee, a low minimum deposit of $1.00, and free VISA debit cards, E-statements, Online Banking, and Mobile Banking. We also offer free overdraft protection from your other accounts at the credit union.

Station 60 Checking

For our members over 60 years of age, we offer a checking account that has all of the benefits of our regular checking plus free Cashier's Checks and two free boxes of checks per year.

Loans and VISA

Apply for a loan

Vehicle Loans

The credit union offers great rates on new and used autos, boats, RVs, and motorcycles. We finance up to 100% of the value. We offer flexible payment plans; including payroll deduction, automatic deduction from your savings or checking account, and cash payments.

Unsecured Loans and Lines of Credit

We offer unsecured loans up to $15,000* that can be used for almost any purpose; including a vacation, pay your taxes, consolidate loans, etc. Our line of credit loan allows you to only borrow what you need and have immediate access to available funds without reapplying for a new loan each time.

Overdraft Protection Lines of Credit

Running short on cash? This line of credit loan will automatically transfer funds up to $1,000* to your checking account to cover your purchases if you do not have enough funds. You can either pay off the loan in full each month or pay it off in installments. A full application is not required for an Overdraft Line of Credit. Please contact the credit union for more information.

Share Secured Loans

A share secured loan with FFDCU allows you to borrow up to 100% of your available shares. This type of loan does not require an application or a credit report. A share secured loan is a great way to establish credit, loan money to a family member, or just borrow money from yourself. Contact the credit union directly to apply this loan.

VISA Credit Card

FFDCU offers some of the best rates around on our VISA credit cards. All newly issued credit cards come with an EMV chip. For more information on how the cards work, please visit

We offer three types of cards to fit your needs:

Access the Credit Card Disclosure here.

Home Equity Lines of Credit

Our variable rate Home Equity Line of Credit (HELOC) product allows you the flexibility of using the equity in your home when and how you need it. You can access the available funds from the Line of Credit with a simple phone call to the office. FFDCU currently pays the fees associated with establishing a HELOC loan if the loan is not paid off or terminated within the first 36 months. Interest paid on a HELOC loan may be tax deductible**. Please contact the credit union for a HELOC application and disclosures.

*Based on FICO score and income

**Please consult a tax advisor

Other Services

*Fee may apply

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