JUST WHEN YOU THOUGHT INTEREST RATES COULDN’T GET ANY LOWER
Fire Services Credit Union is taking their lower than low interest rates and making them even lower. With 5-year fixed mortgage rates starting at 3.09% and variable rate car loans starting at 4.5% there couldn’t be a better time to borrow for a roof over your head or wheels underneath you.
Apply Today!
New! Mobile Banking. Your Accounts on a two-inch screen
Fire Services Credit Union is now offering Mobile Banking. That means your accounts are now as mobile as you are. It’s the same Online Banking you already know, except it's for your smartphone. No downloading or installations required. For more information on the features of Mobile Banking click here.
Email and Mobile Alerts now available.
You can now receive alerts about your account activity everywhere you are. Set up your alerts by logging into your Online Banking. Visit
online banking for more information and step-by-step instructions.
$15 MILLION Sale
We've decided to put $15 million in credit union loans on sale. What does that mean you ask? It means that members can borrow from Fire Services Credit Union and get our lowest rate in almost forever.
Get a new mortgage or renew your existing one, consolidate your debt, get a line of credit or borrow for any number of reasons and get a lower than low rate. Borrowing is a part of life; taking advantage of these rates makes right now the best time for it.
$15 million may sound like a lot but don't waste any time; once it's gone it's gone for good. Contact us for more information.
Travel Discounts
Our VIP Travel partnership with Carlson Wagonlit Travel means you can book travel online, get last-minute vacation deals, and enjoy VIP treatment whenever you travel!
Save up to $100 on your next vacation booking, earn VIP recognition, price match guarantees, exclusive member pricing with Air Canada Vacations, online booking, group travel discounts, business travel reservations, professional travel planning and more.
Contact Carlson Wagonlit for more information.
Secure LIne of Credit - Cut Debt Interest Big Time!
Are you regaining control of your credit card debt and family finances?
Now is a great time to consolidate all your debt with a single, trusted advisor: Your FSCU Coach. Open a secured Line of Credit today and chop interest rates by more than half!
Learn more about FSCU Lines of Credit or contact a Coach for personalized help.
Fire Services Credit Union is a full-service credit union that is dedicated to the financial well being of fire services employees and their families. We
are regulated by the province of Ontario, all deposits are insured (just like the banks) and we offer a full suite of products and services, in branch and
online, by telephone and at ATMs across Canada. Just like the banks—only without all that institutional stuff.
Membership in the Fire Services Credit Union is open to both active and retired employees of fire departments in Ontario, as well as civic employees of the
former borough of East York, and the extended family members of both these groups. Spouses, children, parents, and siblings can all take advantage of
everything we have to offer!
Here's a quick history of your credit union:
It all began in 1941. With the world at war, the founding members of our Credit Union were intent on building a strong financial future for Fire Fighters
and their families. Our first offices were located in fire halls, wherever there was available space. There were initially 21 members, and assets totalled
$3,278.
The first mortgages were approved in 1948 and the terms were simple. The amount could not exceed $3,500, taking into consideration that department salaries
that year started at $2,191 and climbed up to the $7,000 earned by the Chief.
In 1993 we purchased our Avenue Road site and our growth continued. Today we have about 4,500 members and assets totalling approximately $68,000,000.
The years from 2005 to 2010 brought a number of challenges, including changes to regulatory standards, an economic recession, increasing competition, and
rapid technological advancements. In 2010 we changed our name to Fire Services Credit Union and adopted a new logo, reflecting our nature as a modern
credit union embracing new ways of serving a new generation of Fire Services employees.
Much has changed since 1941, but our commitment remains the same: to build strong financial futures for our members.
Meet Our CEO—Kevin Connolly
Kevin has been with the Fire Services Credit Union since June, 2010. His mandate is to renew FSCU's value proposition and to grow its membership and its asset under administration.
Kevin has more than 30 years of Marketing, Sales Management and General Management experience, including more than 15 years in various executive roles in the Financial Services business, overseeing and managing member assets of over $1 Billion in the RESP industry. He has been involved with Credit Unions in senior executive capacities since 2008.
"No other organization can connect more effectively with Fire Fighters and their families," says Kevin. "Over the next few years, the Fire Services Credit
Union will develop a full menu of products and services designed to meet and exceed the needs of our membership and make a meaningful contribution to their
lives. Our goal is to be the financial institution of choice for Fire Fighters and their families throughout Ontario."
Don't hesitate to get in touch with Kevin using any of these methods:
Our Mission Statement
The Fire Services Credit Union will build and nurture enduring relationships with Ontario Fire Fighters and their families. We will offer competitive
financial products and services that make a meaningful contribution to the financial well-being of our members. We will serve Ontario Fire Fighters
professionally, providing sound financial advice that meets their individual needs and exceeds their service expectations.
Our Vision Statement
To be the financial institution of choice in helping Ontario Fire Fighters and their families build secure financial futures.
Our Guiding Principles
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We are one family with a common vision of co-operation and achievement
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We are accountable to each other and ourselves
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We are committed to delivering superior service with honesty, integrity, respect and a smile
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We passionately believe in continuous improvement and innovation
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We are driven with a desire to help members achieve their financial dreams
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We are learners who thrive in a challenging and fast-paced environment
- We accept the challenge and will make a difference for at least one member each and every day.
Our Commitments
At Fire Services Credit Union, we believe, in support of our Vision and Mission statements,
that it is our responsibility to provide financial coaching to our members in order to build their net worth. We will accomplish this without negatively
impacting on the social, environmental or financial well-being of others.
To achieve this, we will strive to:
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Offer products and services that do not have harmful social or environmental costs.
- Engage our stakeholders in the development of our policies and programs.
- Maintain transparency in all that we do.
- Implement policies and programs that address our stakeholder groups: Members, Employees, Leadership, Community and Suppliers.
For our Members, we will strive to:
- Provide clear information on the direct and indirect social and environmental implications of purchasing, investing and borrowing decisions.
- Ensure transparent governance practices and reporting.
- Facilitate member support for Credit Union community activities.
For our Employees, we will strive to:
- Provide a safe environment that encourages a healthy lifestyle recognizing our unique Fire Services perspective supporting the value of family and
overall balance in our lives.
- Give employees the freedom to openly express their ideas and opinions.
- Engage our staff in program development.
- Ensure that the relationship between the Credit Union and staff is that of shared responsibility and shared success.
As Leaders, we will strive to:
- Engage the entire Fire Services Credit Union team in support of our Corporate Social Responsibility policy.
- Ensure ongoing and pertinent communications with all stakeholders.
In Our Community Outreach, we will strive to:
- Primarily provide resources to assist charities and organizations that support the Fire Services community.
For Our Environment, we will strive to:
- Identify our direct and indirect environmental impacts and develop programs to manage them.
- Benchmark against other, similar organizations and initiate reporting and knowledge sharing relationships.
- Meet or exceed basic compliance with all environmental legislation and regulation, and to continually improve our performance.
With Our Suppliers, we will strive to:
- Evaluate suppliers against our Corporate Social Responsibility Policy.
- Have open communication.
We will achieve this by:
- Raising awareness of our social and environmental responsibility among staff, members, leadership, suppliers and the Fire Services community.
- Adopting policies and programs that address specific areas of our social and environmental responsibilities.
- Openly reporting on our Corporate Social Responsibility programs.
Wherever possible, we will emphasize this policy in our day-to-day business and live it in our interactions with our members, suppliers and staff.
With the exception of membership shares, Canadian dollar deposits are insured up to $100,000 per member, with an additional $100,000 for any joint account
or trust account you may also hold.
All deposits made to registered plans are fully insured with no limit on the maximum amount. Registered Plans include RRSPs, RRIFs, RESPs and TFSAs.
We are insured by the Deposit Insurance Corporation of Ontario. For further information on deposit insurance coverage, please ask for a brochure at the
Credit Union, call DICO at 1-800-268-6653 or visit www.dico.com.
What impacts you in your day-to-day life impacts us too. Whether it's about a child who is suffering the pain and stigma of burns or grieving with a fallen colleague's family, others need our help. In that way, we're on duty just as you are.
The Fire Services Credit Union is proud to support the following events and charities thus far in 2012:
- 2012 Annual Toronto Fire Prevention Golf Tournament
- Camp BUCKO (Burn Camp for Kids in Ontario)
- Canadian Fallen Fire Fighters Foundation
- Canadian Fire Fighters Museum in Port Hope
- 2012 Richmond Hill Professional FF Association Charity Golf Tournament
- Southern Ontario Fire Fighters Hockey League (SOFFHL)
- The Princess Margaret Hospital Foundation
- The Sunshine Foundation of Canada
- Toronto Fire Fighters Hockey Team
- 2012 Toronto Fire Pensioners Roy Head Golf Tournament
- 15th Annual OPFFA Health and Safety Seminar
- February TPFFA Stewards Meetin
- An ABC of the Battle of the Atlantic (with NOAC - Naval Officers Association of Canada)
2011 Sponsorships:
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We thank you for your interest in employment with Fire Services Credit Union but currently no positions are available.
The FSCU Board is elected by the general membership at the Credit Union's Annual General Meeting. Each director is elected for a term of 3 years. The Board
of Directors is responsible for the strategic oversight and governance of the Credit Union. The Board meets monthly with FSCU Management to review the
Credit Union's performance and results.
Our Board of Directors:
Annual Reports Archive:
The following annual reports are available online in PDF format:
Please allow time for large files to download if you are on a slower connection. If you are unable to view PDF files, you may need to install the Adobe Reader plug-in for your browser.
Upcoming Events
April 9
|
2013 Annual General Meeting
|
Send us your event details at memberservices@firecreditunion.ca!
For photos and write ups of Firefighter-related events in your community, take a look at our Community Scrapbook.
Scrapbook
Has your community held a Firefighter-related event recently? Send your text and pictures to memberservices@firecreditunion.ca!
Toronto Firefighters Win Gold: The Toronto fire team recently beat the Russian police in the gold medal game at the 2011 World Police Fire Games in New
York City.Read about it on DurhamRegion.com.
The Toronto Fallen Fire Fighter Memorial
On Sunday June 3rd, the names of eight fallen fire fighters were added to the Memorial Honour Roll at Toronto's Harbourfront Fire Station 334, located at 339 Queen's Quay West. Numerous fire fighters, along with their friends and families, attended this service to pay their respects. Also in attendance was our CEO, Kevin J. Connolly, who held the honour of laying a wreath at the memorial grounds on behalf of Fire Services Credit Union (see the images below).
To further commemorate those who have fallen, the 2012 Memorial Ceremony will be held in Ottawa on September 7-9. For more information about this weekend and its scheduled events, please visit The Canadian Fallen Firefighters Foundation website at www.cfff.ca.
An ABC of the Battle of the Atlantic
We're the hosts to this amazing teaching resource detailing Canada's role in the Atlantic Theatre of Operations during World War II. FSCU sponsored the web
adaptation of this outstanding secondary level (grades 9-12) teaching tool to ensure that today's young people will be aware of the incredible contribution
and sacrifice made by the Canadian Navy during the Second World War.
For the Kids: KOSMIKS
Kosmiks is a website that teaches kids from six to ten about smart money management. Kosmiks introduces kids to the concepts of earning money through work
and saving that money for larger purchases, as well as the ideas of interest and monthly payments. The basic message is: if you want to play, you have to
work hard and manage your money wisely!
If you want your son or daughter to sign up for Kosmiks, they'll need a free Space Code (a 6-digit number) from the credit union. The free Space Code lets
them create their secure account on the Kosmiks website so they can start earning and playing.
We'll keep adding new ideas, benefits and special options just for members of Fire Services Credit Union and their families - just as fast as we can think
them up. Here's a good idea to warm you up:
Ambassador Referral Bonus$$
It's called the Ambassador program. We give you CASH for every fire service employee or family member who joins Fire Services Credit Union based on your referral. Everyone gets easy access to outstanding FSCU personal banking services, plus a free copy of The Bucket Coach, our step-by-step money management and financial planning guide written specifically for you.
Everyone wins!
The referring member (Ambassador) will receive either* a $25.00 referral reward or a $50.00 referral reward for every new member who qualifies for membership. The new member can apply for an FSCU MasterCard and take advantage (on approved credit) of our low introductory rate of 3.99% for 10 months on balance transfers, plus receive 5000 Choice Rewards® Points for linking their MasterCard® to their Debit (ATM) card. A linked Debit card adds reward points to the MasterCard with every Point of Sale purchase!
* How it works:
A $25.00 referral reward is paid to the Ambassador when the new member has paid their member share and opened a savings account with scheduled ongoing biweekly deposits.
A $50.00 referral reward is paid to the Ambassador when the new Primary Member has paid their member share, opened a functioning chequing account, and elected to deposit their regular net pay into that chequing account using Direct Deposit. In the event a new member becomes a Primary Member then the initial referring member will receive the additional $25.00.
All referral fees will be paid after the first 90 days of an active membership account setup and any retroactive adjustment up to 6 months after the membership account was initially opened.
Contact Craig Wyldes at 416-397-4641 for more information about the FSCU Ambassador program.
Exclusive Travel Deals
Our VIP Travel partnership with Carlson Wagonlit Travel means you can book travel online, get last-minute vacation deals, and enjoy VIP treatment whenever
you travel!
Features include:
- Save up to $100 on your next vacation booking! *
- VIP recognition and gold service levels at CWT Lecor Travel based in Oakville, Ontario
- CWT Price Match Guarantee on packaged vacations. **
- Exclusive member pricing with Air Canada Vacations on packages to Mexico, the Caribbean and Europe, plus special additional discounts only for VIP
Travel members
- Hot Deals negotiated by CWT, available for a limited time through our website
- Exclusive Peace of Mind guarantee on CWT Vacation Club holidays, plus TICO-protected bookings for total peace of mind
- Online booking (vacation packages, air and car) and research tools on our website
- Group Travel discounts, business travel reservations and meeting and events planning through CWT Lecor Travel's professional travel counsellors
In addition, CWT will support our Credit Union through a profit-sharing program. A portion of the revenues generated by members using our VIP Travel
partnership to book their travel will be rebated to FSCU and will help us support important causes like Camp Bucko.
*Certain conditions apply.
**Find a lower price from a CWT Preferred Supplier elsewhere, and we'll match it, plus you're still eligible for added features exclusive to Fire Services Credit Union members!
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Chip Cards, Protecting You Against Fraud
As of December 31st, 2012 all FSCU Member Cards with magnetic strips have been deleted and replaced with chip card technology. This change is being implemented by INTERAC® to protect our members against debit card fraud. Although rare (occurring in less than 1% of transactions), debit card fraud is a reality that can be made less likely by the introduction of chip technology. Like having a computer on your debit card, chip technology increases your protection against fraud by providing an additional layer of security.
Visit your FSCU branch, email us at memberservices@firecreditunion.ca or call 416 440 1294 to get more information and begin using your new chip card before the Dec 31st expiry date.
Press Releases
Past press releases are archived as-is at the time of release. For current factual details, please see background information below.
Thank you for your interest in covering the Fire Services Credit Union. For comment, or if you require any materials not available on this page, please contact CEO Kevin Connolly directly.
Background:
Fire Services Credit Union is a full-service financial institution that has been and continues to be governed by fellow Fire Fighters since its inception
in 1941. It provides a safe, secure alternative to traditional banks and offers competitive financial products and services that make a meaningful
contribution to the financial well-being of its members. It serves Ontario Fire Fighters professionally, providing sound financial advice that meets their
individual needs and exceeds their service expectations.
Member Newsletter Archive
Newsletter Issue 1 2012
Newsletter Issue 2 2012
The following newsletters are available online in PDF format:Please allow time for large files to download if you are on a slower connection. If you are unable to view PDF files, you may need to install the Adobe Reader plug-in for your browser.