Our Mission Statement
Our Credit Union is a member owned not-for-profit financial organization.

Our mission is to serve our most precious assets, which are our members and their families.

Our staff and volunteers are dedicated to providing our members with the best possible financial services while maintaining the credit union long-term financial stability.

Our commitment is to provide fair and honest service with a friendly, caring attitude while striving to meet or exceed our members' expectations.

We exist, not for profit, not for charity, but for service.


Privacy Policy

The NFDFCU's pledge to you:

We believe your privacy should never be compromised.  At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. 

We believe we can do both by adhering to the provisions of this privacy notice.

View our privacy policy in its entirety in PDF here.
Frequently Asked Questions

Can I join the Norfolk Fire Department Federal Credit Union?
What is a field of membership or FOM?
So what is Norfolk Fire's FOM?
What does it mean to be a “member?”
What do I need to join? Does it cost anything?
What are the benefits of joining Norfolk Fire?
How can Norfolk Fire pay more on savings while charging less for loans?
Let me see if I got this right. You offer the same products and services that a bank does, but you’ll save me money?
Are you like a cut-rate, no-frills, warehouse for financial services?
What if I move out of the area?

Can I join the Norfolk Fire Department Federal Credit Union?
Norfolk Fire Department Federal Credit Union's Primary Field of Membership is Norfolk Firefighters, Paramedical and their families. We also have Small Employee Groups (SEGs) that may join if there are no other credit unions that serve them. A letter requesting membership (on company letterhead) must be submitted to our CEO for submission to our Regulatory Agency (NCUA).
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What is a field of membership or FOM?
A field of membership (FOM) defines a group or groups of people who are eligible to join. For instance, some credit unions were started to serve the employees of a particular business (Honeywell, General Mills, etc.). Other credit unions were formed to serve teachers, government employees, communities and even parishes. Norfolk Fire Department Federal Credit Union's original FOM served the members of the Norfolk Fire and Paramedical Services (whom we still happily serve!)
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So what is Norfolk Fire Department Federal Credit Union’s FOM?
Membership in Norfolk Fire Department Federal Credit Union is composed of those who are employed by Norfolk Fire and Rescue Services, Norfolk Airport Employees, Members of Virginia Beach Firefighter's Union, Norfolk Police Union, Norfolk Emergency Communications Center (911), Small Employee Groups (SEGs) such as Order of the Ahepa Robert E. Lee Chapter, Employees of Freedom Ford, etc.
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What does it mean to be a “member?”
First of all, credit union terms can be confusing. Even the term “credit union” misleads people. We are not a “union” in the typical sense, nor are we affiliated with any unions. There are no dues to pay, other than your initial deposit into your savings account. The term “union,” in our case, simply means a united group of people. Everyone who has an account with Norfolk Fire Department Federal Credit Union is a “member.” Each “member” is an “owner” of the credit union. Each member has one vote, regardless of how much money they might have on deposit. So, when you “join” the credit union, you become a member/owner of Norfolk Fire Department Federal Credit Union.
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What do I need to join? Does it cost anything?
All that is needed to open a savings account with Norfolk is a valid I.D. and a small initial deposit. Once the account is open, you must maintain at least $25.00 in your savings account. This money stays in your account until it is closed.
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What are the benefits of joining Norfolk Fire Department Federal Credit Union?
Over 3,500 people have discovered, there are many benefits to “banking” with Norfolk Fire Department Federal Credit Union. In general, Norfolk Fire Department Federal Credit Union pays higher dividends on savings, checking and certificates; charges lower interest on car loans and home equity loans; and has fewer and lower fees than a bank does. Norfolk Fire Department Federal Credit Union does this while providing the same overall products and services as a bank: savings, checking, check cards, credit cards, loans, safe deposit boxes, direct deposit, online banking, online bill pay, traveler’s checks, ATMs, Credit Union Service Centers. Recent studies indicate that the typical consumer can save over $190 annually by using a credit union! Our Credit Union offers fast, friendly service.
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How can Norfolk Fire Department Federal Credit Union pay more on savings while charging less for loans?
Simply put, we’ve eliminated the “middle man.” Banks are owned by stockholders, and stockholders demand returns on their investments. Banks are PROFIT-driven. Norfolk Fire Department Federal Credit Union and other credit unions, are SERVICE-driven. We’re not here to generate a profit, but to provide a service to our members. Any “earnings” are turned back to you, the member/owner, in the form of better rates, lower fees, more offices, more hours, more staff, etc.
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Let me see if I got this right. You offer the same products and services that a bank does, but you’ll save me money?
That’s right. And many of our products and services are better than you’ll find at a bank.
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Are you like a cut-rate, no-frills, warehouse for financial services?
Not at all. We don’t skimp on service. We don’t cut back on hours. We make it EASY to do business with us. If anything, you’ll notice faster and more personal service at Norfolk Fire Department Federal Credit Union. We operate 1 full-service offices and 1 24-hour ATMs in Norfolk, Virginia. Rather than investing in "brick and mortar" locations, Norfolk Fire Department Federal Credit Union invested in Credit Union Service Centers, which have locations worldwide, where you can use to access your accounts. For locations, go to www.cuservicecenters.com
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What if I move out of the area?
No problem. “Once a member, always a member.” Though it may be more convenient in some instances to open an account at a credit union or bank near your new home (we’d recommend the credit union!), there’s no need to end your relationship with Norfolk. With Direct Deposit of your paycheck and using your Norfolk Fire Department Federal Credit Union Debit Card, there’s really no need for a local office near you. Plus, you’ll always have access to your accounts with Account Access, our online banking program, and can pay virtually all of your bills online with our bill Pay service. You can always utilize credit union service centers as well.

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