Join us today Be a part of a mutual bank for people who look after our safety. Get started Talk to us Phone us Email us Breadcrumbs Firefighters Mutual Bank Why Join Us Why Join Us Join today to become a member of Firefighters Mutual Bank Why join us? How to join Who we are Over 50s Program - Edvest World's Most Ethical Companies Why join us? Be a part of the Mutual Bank 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. Product range 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: Convenient access to ATMs worldwide Competitive interest rates. How to join Who can join? 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. Not sure you can join? Contact us. How to join To get started you will need: To be an Australian citizen or permanent resident 18 years old or over. Your identification documents with your full name, date of birth and/or address (e.g. Drivers Licence, Passport). Don't worry if you don't have your identification documents, we will call you to complete your application later. You will need to become a shareholder to join—all you need to do is pay just $10. Get Started It only takes a few minutes Who we are Who we are 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. Where it all began 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 Over 50s Program - Edvest Rewards begin at 50 with Edvest Edvest is a benefit scheme available to our members1 who are 50 years or older. Edvest wants to recognise and reward you with special discounts on selected products, better returns on your investments and much more. For just $30 per year, you’ll enjoy: Better returns on your investments Discounts on travel, insurance, a car buying service and legal advice The ability to apply for higher limits on RediCredit overdrafts And more… Join today Download and complete the form Better returns2 We offer Edvest members higher interest rates on term deposits and cash management accounts than our standard product offers. Make your money work harder for you: Term deposits offer better returns, with terms ranging from 3 months to 3 years. Interest can be paid fortnightly, monthly, annually or on maturity. Our Cash Management account offers the flexibility of having money at call 24/7 with a competitive interest rate. Borrowing The ability to apply for a higher overdraft limit with RediCredit: Up to $20,000 for single Edvest members or $40,000 for joint Edvest members. One valuation reimbursed up to any value for a new home loan on selected home or investment property loan applications. Learn more about our savings accounts to determine which ones are right for you. Savings and extras on your next holiday Australian departure tax (Passenger Movement Charge) paid when booking international flights and international cruises departing from Australia with Tertiary Travel3 on selected tours. Visit Tertiary Travel for more information, the latest tours and discounts, and contact details to book your getaway. Discounts One free safe custody package per year – store your important documents like Wills and title deeds at selected offices. 10% off home and contents insurance4 and car insurance through our insurance partner, Allianz, our nominated insurer. Reduced fees ($10 discount for singles, $20 discount for couples) and a free initial consultation on Wills, Power of Attorney and Enduring Guardians5 provided by our nominated solicitors. Stay up-to-date with what matters most Access to Edvest News, a quarterly newsletter containing market news and updates and lifestyle, travel, superannuation and tax information. Join today Download and complete the form *Important information Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use Accounts and access and the Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 1 Membership eligibility applies to join the Bank. All applications for credit are subject to our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 2 Edvest Cash Management and Edvest Term Deposit accounts are available for Edvest members only. An Edvest fee of $30 (charged annually or pro rata) is payable. 3 Tertiary Travel Service Pty Limited ABN 28 088 900 981 trading as Tertiary Travel is a wholly owned subsidiary of Teachers Mutual Bank Limited. 4 The Bank arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). The Bank acts as an agent for Allianz and not your agent. Neither the Bank nor Allianz provide advice based on any consideration of your objectives, financial situation or needs. To decide if it is right for you please carefully read the relevant product disclosure statement, available online or by contacting us. Personal effects cover to provide against loss or damage is available when you have contents cover. No Product Disclosure Statement is available for CTP insurance. Cover provided is in accordance with legislative requirements. A PDS is available, however, for the At Fault Driver Protection Insurance, please visit us online or contact us for more information. If you purchase this insurance, the Bank will receive a commission that is a percentage of the premium depending on the product. We also have an arrangement with Allianz Australia Insurance Limited (AAIL) to provide marketing, administrative and support services relating to Allianz insurance products in return for a share of aggregate profits from insurance policies (excluding CCI policies) issued by Allianz that we arrange. Ask us for more details before we provide you with any services on this product. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of publication and are subject to change without notice. For Home and Landlord insurance discounts may not be applied to any flood component of the premium (if applicable). 5 The solicitors who provide advice to members on wills, powers of attorney and the like, while endorsed by the Bank, are in fact completely independent. While we have taken steps to ensure that the solicitors recommended from time to time are licensed, we cannot accept liability arising out of the provision of any legal services that they offer. World's Most Ethical Companies It feels good to be one of the World's Most Ethical Companies Along with courage and sacrifice, strong ethics help to define the emergency services sector. At Firefighters Mutual Bank we believe that emergency service workers should also be able to bank with an organisation that upholds these ethics. For the second year in a row, we’ve been named one of the World's Most Ethical (WME) Companies for 2019 by the Ethisphere Institute1—one of only five banks in the world, and the only Australian company, to be recognised. It feels good to be ethical. It underpins who we are, what we do and why we do it; and has done so for the last 50 years. Recognised as a world leader We apply socially responsible strategies to all our products, with a particular focus on home loans and deposit accounts. We don’t use members’ deposits to invest in any large-scale, greenhouse polluting activities that involve fossil fuels. We have strict socially responsible exclusions for companies that deal in products and practices that are damaging to society and the environment. We are the only bank in Australia to have $1 billion of Certified Ethical Investment in wholesale cash, certified by the Responsible Investment Association Australasia (RIAA)2. What this means for our members Our members are our shareholders, so everything we do is designed to meet our members’ needs first and foremost. Our commitment to being a world-leading ethical business means we run our bank under ethical and socially-responsible strategies. About the WME evaluation The Ethisphere Institute is the global leader in defining and advancing the standards of ethical business practice. The World's Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Scores are generated in five key categories: ethics and compliance program (35%), corporate citizenship and responsibility (20%), culture of ethics (20%), governance (15%) and leadership, innovation and reputation (10%). Not a member? Join* now *Important information Membership is open to citizens or permanent residents of Australia who are current or retired employees and current volunteers of a fire and/or emergency service or family members of members of the Bank. 1 The Ethisphere Institute is a global leader in defining and advancing the standards of ethical business practice. The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Worlds Most Ethical Companies and ‘Ethisphere’ names and marks are registered trade marks of Ethisphere LLL. UniBank and Firefighters Mutual Bank, are divisions of Teachers Mutual Bank Ltd, one of the 2019 Worlds’ Most Ethical Companies®. TMBL has been named a World’s Most Ethical Company from 2014-2019 and includes Firefighters Mutual Bank 2018 and 2019. www.ethisphere.com Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 2. Teachers Mutual Bank Limited’s $1 billion Debt Issuance Programme has been certified by RIAA according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsibleinvestment.org for details. Back to top.