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770 Golden Gate Ave
San Francisco, CA 94102

San Francisco Federal Credit Union is headquartered in San Francisco and is the 39th largest credit union in the state of California. It is also the 250th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 112 employees and 32,180 members. San Francisco Federal Credit Union's savings rates are 44% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Anyone living, working, studying or worshipping in San Francisco or San Mateo Counties. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 San Francisco Federal Credit Union had $917,000 in non-current loans and owned real-estate with $96.63 million in equity and loan loss allowances on hand to cover it. This gives San Francisco Federal Credit Union a Texas Ratio of 0.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for San Francisco Federal Credit Union experienced no significant changes from 0.85% as of December 31, 2012 to 0.95% as of December 31, 2013, resulting in a negative change of 11.66%. This indicates that the balance sheet and financial strength for San Francisco Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, San Francisco Federal Credit Union has increased its total deposits by $36.38 million, resulting in 4.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth San Francisco Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. San Francisco Federal Credit Union has $868.15 million in assets with $96.63 million in equity, resulting in a capitalization level of 11.13%, which is excellent.

Institution Statistics

NCUA #24542
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$868.15 million
Loans$400.57 million
Deposits$765.51 million
Equity Capital$93.67 million
Loan Loss Allowance$2.96 million
Unbacked Noncurrent Loans$917,000
Real Estate Owned$0
Historic Data - December 2012
Assets$827.21 million
Equity Capital$90.38 million
Loan Loss Allowance$3.52 million
Unbacked Noncurrent Loans$917,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.91%
Return on Assets0.4%
Return on Equity3.7%
Interest Income$22.84 million

Always verify rates and promotions with the bank or credit union. We are not San Francisco Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

San Francisco Federal Credit Union Savings Account Rates

0.75%--Health Savings Checking Account (HSA)
0.25%$500-IRA Savings
0.25%$500-Roth IRA Savings
0.25%$500-Educational IRA Savings
0.05%$100-Regular Share Savings

San Francisco Federal Credit Union Money Market Rates

0.25%$80k-Money Market Savings

San Francisco Federal Credit Union Checking Account Rates

0.05%$500-Total Advantage Checking
0.05%$10k-Access Advantage Checking

San Francisco Federal Credit Union CD Rates

1.50%$10k-60 Month Certificate
1.15%$10k-48 Month Certificate
0.80%$10k-36 Month Certificate
0.60%$10k-30 Month Certificate
0.55%$10k-24 Month Certificate
0.50%$10k-18 Month Certificate
0.45%$10k-12 Month Certificate
0.35%$10k-6 Month Certificate
0.20%$10k-3 Month Certificate

San Francisco Federal Credit Union IRA Rates

1.60%$1k-60 Month IRA Certificate (Traditional,CESA,Roth)
1.25%$1k-48 Month IRA Certificate (Traditional,CESA,Roth)
0.90%$1k-36 Month IRA Certificate (Traditional,CESA,Roth)
0.70%$1k-30 Month IRA Certificate (Traditional,CESA,Roth)
0.65%$1k-24 Month IRA Certificate (Traditional,CESA,Roth)
0.60%$1k-18 Month IRA Certificate (Traditional,CESA,Roth)
0.55%$1k-12 Month IRA Certificate (Traditional,CESA,Roth)

San Francisco Federal Credit Union Locations
Branch Office770 Golden Gate AveSan Francisco, CA 94102-3120
Branch Office311 California StSan Francisco, CA 94104
Branch Office2645 Ocean Ave Lbby 1San Francisco, CA 94132-1623
Branch Office4375 Geary BlvdSan Francisco, CA 94118-3003