About Us


The Dayton Firefighters Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The field of membership-"any active or pensioned employee of Dayton, Ohio Fire Department and Department of Telegraph and Signals; employees of this credit union; members of their immediate family; and any association of such employees"-remained intact for over 68 years. In September 2003, we were able to open our services to anyone that lives, works, worships, or attends school in Montgomery County of Ohio. As of September 21st, 2016, membership benefits now include Greene and Miami County!

Community Involvement
The Dayton Firefighters Federal Credit Union is a community credit union. As a credit union, our sole purpose of existence is to serve our members. At DFFCU, we mean more than just serving your financial needs-it also means working to improve your lives as a whole. One excellent way we feel we can accomplish this is by actively becoming involved in the greater community in which we operate. For everything we are able to put back in the community, helps make it a better place for our members to live and prosper. To assist in the continued development of the community, both now and in the future, the credit union seeks to become an active participant through individual contributions of time, talent by credit union employees, volunteers and the credit union as a whole.

Credit Union Difference
Credit unions and banks are different in several ways, yet the same in some. Here's one similarity: Both are safe, secure, professionally-managed financial institutions. Here's one difference: At credit unions, people are worth more than money. Credit unions are not-for-profit organizations that have a philosophy and structure designed to directly benefit you the member. Banks, on the other hand, are for-profit entities and have been designed to benefit the stockholder. A credit union is a cooperative. A financial cooperative, such as DFFCU, is organized for the objectives of: -Providing financial services at fair and reasonable rates and fees, -Encouraging responsible financial activity and thrift, -Allowing members/owners to use and control money for the mutual benefit of all DFFCU members, the credit union itself, and the community at large. At DFFCU, all members/owners are shareholders - so all reap benefits. Approximately $70-80 of every $100 deposited at the credit union is loaned to members, completing the DFFCU cooperative circle while enhancing the lives of our members. We are owned by our members. The fact that our members are owners of the credit union is unique in the financial world. DFFCU exists solely for the purpose of meeting the financial needs of the member-owners. To that end, DFFCU not only provides outstanding personal service, but also provides such service in a cost-efficient manner. One distinct feature of DFFCU is our elected volunteers. DFFCU's volunteers are voted for by the membership and the vote is based on a one member one vote, structure. This is vastly different from the for-profit sector where stockholders vote according to the number of shares of stock they own. All members of the Board of Directors and appointed Committees serve without pay and give many hours of their time and expertise for the benefit of the entire membership.


We invite you to experience the Dayton Firefighters Federal Credit Union difference.