Fire Station Loans

F&A offers special money-saving loans and credit cards to fire station, house, engine, and camp accounts to help make life better for you and those you work with. These loans are great for items such as workout equipment, big screen TVs, new furniture, and more. Loan features:

  • Up to $10,000 with no credit check
  • Terms up to 36 months
  • 3.00% APR*

This is a special loan program for fire station, house, engine, and camp accounts. It is not available to the general membership!

Ready to apply? Call 800-222-1226.

Fire Station Credit Card

The credit card is perfect for everyday purchases, such as groceries and utilities. Credit card features:

  • $5,000 limit
  • 0% APR*

This is a special credit card program for fire station, house, engine, and camp accounts. It is not available to the general membership!

Ready to apply? Call 800-222-1226.

Disclosures

F&A Federal Credit Union has a loan program featuring a range of interest rates. Rates and terms quoted are subject to change without notice. All loans subject to approval. Two signers are required to be on the account. Engines and Stations designate signers as housemen while Camps designate signers as foremen. Only one signer is required to fill out the application. Two signers must sign The Certificate of Authority and Individual Guaranty for Association form. Only a signer on the account may initiate a loan request. Representative example: make 36 monthly payments of $29 each at 3.00% APR based on $10,000.

Important Credit Card disclosure information, please read!

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases

6.90% to 15.90% when you open your account, based on your creditworthiness. 

APR for Balance Transfers 6.90% to 15.90%
APR for Cash Advances 6.90% to 15.90%
Penalty APR and When it Applies None.
Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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 None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None
None
1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment
  • Over the Credit Limit

Up to $20
Up to $5
None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.