Why should YOU make the switch to San Francisco Federal Credit Union?
We are dedicated to our members.
As a member, you own a part of the credit union. You are not just another account to us, you benefit the credit union as a whole. Since we are a not-for-profit, the profits incurred by the credit union directly benefit our members. Unlike banks, our Board of Directors are elected rather than hired, so you know that they have the credit unions best interest in mind. Credit unions are insured by the National Credit Union Administration, and are democratically controlled by the members. This means that members have more say in how the credit union is run, and hold decision-making power. Members elect a Board of Directors – rather than hiring one – who are chosen to fully represent the members in making decisions and upholding policies.
We are financially secure.
Financial safety is our first concern. For that reason, each member's accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund, an U.S. federal agency. IRAs are separately insured by NCUSIF for up to $250,000. In addition, BauerFinancial, the nation's leading independent credit union research firm has consecutively rated San Francisco Federal Credit Union 5-Stars, securing our position as one of the strongest credit unions in the country.
We offer better rates.
San Francisco Federal Credit Union offers the same types of services that banks offer, and a lot of the times at a lower rate too! We offer savings and checking accounts, low rate VISA cards, Money Market Accounts and Certificates, Traditional and Roth IRA Accounts and much, much more. Click here for a full list of our member benefits.
Money Market Accounts
Certificates
San Francisco FCU
Balance: $2,500
0.50% APY*
6-Month Term
Balance: $10,000
0.71% APY*
Wells Fargo
Balance: $2,500
0.05% APY*
6-Month Term
Balance: $10,000
0.15% APY*
Chase
Balance: $2,500
0.01% APY*
6-Month Term
Balance: $10,000
0.25% APY*
Fewer and lower fees.
How many times have you looked at your bank statement and been hit with multiple hidden fees? With San Francisco Federal Credit Union, there are no hidden fees, no penalties and the profits that we make are distributed as dividends to our members. See how we compare with the big banks.
Return NSF Fee**
Paid NSF Fee**
San Francisco FCU
$22 per item
$22 per item
Bank of America
$35 per item1
$35 per item1
Wells Fargo
$25 per item,
then
$35 per item1
$25 per item,
then $35 per item1
Access to over 28,000 surcharge free ATMs.
Enough said! Don’t get charged for using an ‘out of network’ ATM, you have better things to spend your money on. Find an ATM near you, click here.
Community Based.
We are designed to serve a particular group: anyone living, working, studying or worshipping in San Francisco. Because you are the owner, your voice is always heard, it is your interests that comes first, not big profits.
Millions have decided to become credit union members and you should to! We are a community-based financial institution founded in 1954 and we exclusively serve the San Francisco community. It’s easy to open an account, simply click here open your membership online, call (415) 775-5377, option 4 or stop by one of our branches.
Learn more about San Francisco Federal Credit Union:
* APY = annual percentage yield. Balances quoted are minimums required to earn stated APYs. Comparison rates retrieved from Wells Fargo and Chase Bank web sites and accurate as of 7/1/2010. San Francisco FCU rates accurate as of 7/1/2010. Checking and money market APYs are variable after account is opened. Early withdrawal penalties apply to certificates. Fees may reduce earnings on checking and money market accounts. All loans require credit approval.
** For share drafts/checks returned for insufficient funds. Paid NSF Fee may also be called "Overdraft Fee" in other financial insitutions.
1
Competitor's fees taken from their websites on July 1, 2010.
2 An auto buying service offered through Members Advantage Plus.
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