San Francisco Federal Credit Union - Smart Banking. Real Value.
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Get To Know Us Better

San Francisco Federal Credit Union is a community-based financial institution exclusively serving the San Francisco community. We are a member-owned financial cooperative established in 1954. Today, anyone who lives, works, worships or attends school in San Francisco may apply for membership.

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.

In addition, after meeting our operating expenses, we are able to return savings to our members by offering higher yields on savings accounts (see comparison below), lower interest rates on loans (see sample), and lower fees overall (see sample below). In fact, our rates are generally better than those offered by banks or savings and loan institutions.

See and Compare

  Money Market Accounts Certificates
San Francisco FCU
  • Balance: $2,500
  • 0.70% APY*
  • 6-Month Term
  • Balance: $10,000
  • 1.21% APY*
Wells Fargo
  • Balance: $2,500
  • 0.05% APY*
  • 6-Month Term
  • Balance: $10,000
  • 0.35% APY*
Chase
  • Balance: $2,500
  • 0.01% APY*
  • 6-Month Term
  • Balance: $10,000
  • 0.25% APY*

Sample NSF Fee Comparison:

  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

We also offer FREE

  • Online Banking
  • Bill Payer, e-Statements
  • PERSONAL AUTO SHOPPER2
  • Over 28,000 surcharge-free ATM locations nationwide

Open your membership online, call (415) 775-5377, option 4 or stop by one of our branches:

  • Main Branch, 770 Golden Gate Ave. (at Gough St.)
  • Lakeside Branch, 2645 Ocean Ave. (at 19th Ave.)
  • Geary Branch, 4375 Geary Blvd (at 8th Ave.)

We are open to the entire San Francisco community! Individuals who live, work, worship or attend school in San Francisco can apply to join San Francisco FCU.

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 11/2/09. San Francisco FCU rates accurate as of 11/2/09. 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 October 19, 2009.

2 An auto buying service offered through Members Advantage Plus.

 

 
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This credit union is federally insured by the National Credit Union Administration. "5 Stars Superior" rating for
strength & stability.
Obtain a free report today.		 We do business in accordance with
the Federal Fair Housing Law and
the Equal Credit Opportunity Act.