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Firefighters Mutual Bank.
Find out more about who we are, and how we can help.
Being a firefighter or emergency services worker is not just a career. It’s a calling. Every day, you risk your life to protect ordinary Australians in extraordinary circumstances.
At Firefighters Mutual Bank our goal is to help firefighters, emergency services workers, volunteers and their families across Australia to make the most of their money and be there at every stage of their financial journey.
Firefighters Mutual Bank began as one man’s vision.
Our founder, Bob Hall, came up with the idea of a credit union especially for firefighters back in the 1960s. This was a time when obtaining finance was difficult for everyone.
Bob wanted to create an institution that would put its profits back to work for the benefit of its members by reducing loan interest rates and increasing the interest paid on investments. And so, Fire Board (NSW) Employees Credit Union was born.
From its beginnings at a committee meeting in the gymnasium at the City of Sydney fire station, the credit union grew into Firefighters Mutual Bank, now having thousands of members Australia wide and celebrating 50 years of operation.
Read more about our major milestones
Membership is open to current or retired employees and current volunteers of a fire and/or emergency service or family members of members (i.e. shareholders) of the Bank. Additionally, individuals must be citizens or permanent residents of Australia.
Helping members achieve their financial goals is at the forefront of everything we do.
Firefighters Mutual Bank is for current or retired employees of, or current volunteers with, a fire and/or emergency service and their families, and is completely owned by its members.
We focus on helping members meet their financial goals by providing products and services to assist them through life. Profits are reinvested back into the mutual bank and members have the opportunity to elect Directors.
Join us and you’ll find a bank that wants to serve you, just as you serve the community.
We offer a range of financial products and services to assist you in reaching your financial goals.
Whether it be applying to set up an account, a home loan or protecting your next set of wheels, there are a range of products available to members of Firefighters Mutual Bank.
Members also receive:
In 1968 a small group of Fire Brigade personnel came together to discuss establishing a Credit Union which would be operated by and committed to Fire Brigade employees and their families.
Now, as a mutual bank with a national presence, Firefighters Mutual Bank continues its commitment to providing superior financial services to emergency services workers and their families.
As a brand within the Teachers Mutual Bank Limited organisation, Firefighters Mutual Bank is part of a company that supports over 200,000 members’ banking needs.
For over 50 years Teachers Mutual Bank has provided key financial services to Australian educators. Now, Teachers Mutual Bank Limited is one of Australia’s largest mutual banks, comprising three brands: the original Teachers Mutual Bank, UniBank, and Firefighters Mutual Bank. With over 200,000 members and more than $7 billion in assets, Teachers Mutual Bank Limited is one of Australia’s largest mutual banks. Teachers Mutual Bank continues to be passionate about assisting members secure their financial futures through superior member support and banking products.
Teachers Mutual Bank Limited is a market leader in member advocacy in the Australian banking sector, and is also committed to strong standards of corporate responsibility through community investment and ethical business as one of the World’s Most Ethical Companies*.
*‘World’s Most Ethical Companies’ Award, from Ethisphere Institute (awarded consecutively 2014–2018).
Learn more about the history of Teachers Mutual Bank and how they operate today
As a mutual bank, Firefighters Mutual Bank reinvests part of its profit so that it is returned to serve members and the community.
The Bank supports firefighters and emergency services workers across Australia by sponsoring events and charitable causes, like the regional and state Firefighter Championships, the Rural Fire Service State Championships, AFAC, the 400 in 4 Charity ride and the Firefighters Climb for Motor Neurone disease.
Credit Union Foundation Australia (CUFA)
We are a long standing supporter of CUFA, a development agency for Credit Union’s that promotes social responsibility by empowering domestic and international communities with access to affordable financial services.
One of CUFA’s programs is the Village Entrepreneur Program which assists families in developing countries, help themselves. The Credit Union’s employees, through their own staff club, sponsor a Cambodian family with monthly financial assistance.
The sponsorship beneficiary is a pig farmer who is struggling to make ends meet for the family. To date, the monthly contribution has helped start and grow the pig farm thus increasing the family income. The family is now able to send their children to school more often, buy enough food each day and improve their living standards.
Members are encouraged to assist where they can. You can become a community investor and help families like this in Cambodia or another villager in Timor Leste. Additional details are available on the CUFA website.
NSW Fire Brigades Relief & Welfare Fund
The NSWFB Relief & Welfare Fund assists families of Fire and Rescue NSW during times of hardship, whether it is the financial burden of medical expenses or emotional support during a family tragedy.
Most firefighters and staff donate through payroll deduction contributions.
Sustainability and conducting our business ethically are among our core values. We are a values-based bank where profit has a purpose. This is demonstrated by the awards and accomplishments the Bank has achieved:
Survey of 578 Firefighters Mutual Bank members in September 2017 answering Very Satisfied or Quite Satisfied to the following question: Thinking about the relationship you have with the Bank and about the overall service that you receive, which would you say that you are?
Teachers Mutual Bank Limited's Board, Management and Members Committee are committed to a high standard of corporate governance.
Teachers Mutual Bank Limited is an Authorised Deposit Taking Institution (ADI) regulated under the:
We comply with all the credit, fair-trading and conduct laws and rules imposed on banks by states, territories and the Federal Government.
Meet our Board of Directors, Management, and Members Committee.
At Firefighters Mutual Bank we’re all members of the same fire station.
Our culture is clearly defined by the financial needs of firefighters and their families.
Our members, community and employees embrace the mutual bank core values of passion, advocacy and sustainability. If this sounds like you, then we’d love to hear from you.
Newsletters from Firefighters Mutual Bank featuring the latest news, product information, promotions, interesting tips and helpful advice.
Over 4.5 million Australians are members of mutual banks, credit unions and building societies. We have worked closely with Customer Owned Banking Association (COBA), to develop the Customer Owned Banking Code of Practice.
The Code is an important public statement of the value we place on improving the financial wellbeing of our members and the education community. It reinforces our commitment to:
The Customer Owned Banking Code of Practice is how we deliver on our guarantee to serve our members first. Our 10 key promises to you outline how we do this.
You can download the complete Customer Owned Banking Code of Practice or you can request a copy to be mailed to you.
Firefighters Mutual Bank is a division of Teachers Mutual Bank Limited. Visit tmbank.com.au for detailed financial and sustainability related information, as well as regulatory disclosures.