San Francisco Federal Credit Union

Overview / Commentary
770 Golden Gate Ave
San Francisco, CA 94102-3120

San Francisco Federal Credit Union is headquartered in San Francisco and is the 47th largest credit union in the state of California. It is also the 295th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 114 employees and 46,338 members at 6 locations. San Francisco Federal Credit Union's CD rates are 22% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in San Francisco Federal Credit Union is open to those who live, work, attend school or worship in San Francisco or San Mateo Counties in California. Membership is also open to employees of the City or County of San Francisco.
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Reviews (2)

Great Place!

Posted by: UWLEagles | May 16, 2012

Excellent service levels!

Disgusting Tactics To Make Money

They do not care about poor people. I deposited my check last week and was told that I only had access to $200 of the $1,200 until 4 days then I'd have access to all of it. Normally I have direct deposit but my employer messed up payroll and cut me a check. So I'm using my card and transactions keep going through. I was so happy and thought that the money must have gone through. I look last night and see 6 $25 charges. I call customer service and talk to a very unfriendly woman named Katie who tells me "I'll refund a couple of those." I look online and she refunded $50 worth. Mind you I had no idea what so ever that I'd accrue the fees when I was using my card and transactions kept going through. So I call again. This time I speak with Brandon. I explained what happened and that I do not make a lot of money and that I currently have pneumonia and need the $100 that was taken by SFCU from my account. He was very condescending and told me I was lucky I got $50 back. So here I am coughing and feeling horrible while having to bet for my money. He talks to his manager and says "We'll do you a favor and refund one more of those charges." I hang up and cry hysterically because I live in the bay area, make a out $2,400 a month and I'm having to beg for $100 of my paycheck back. Disgusting.


Health Grade Components

NCUA #24542
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.12%
Annual Interest Income$29.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$1.10B$1.07B
LoansQ3 2019vs Q3 2018$812.3MM$770.3MM
DepositsQ3 2019vs Q3 2018$928.9MM$954.4MM
Equity CapitalQ3 2019vs Q3 2018$123.9MM$111.1MM
Loan Loss AllowanceQ3 2019vs Q3 2018$17.0MM$18.0MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$5.2MM$3.2MM
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

San Francisco Federal Credit Union Savings Account Rates

0.75%--Health Savings Account (HSA)
0.25%$500-IRA Savings
OTHER TIERS: 0.05% $100 - $20k | 0.07% $20k - $50k

San Francisco Federal Credit Union Money Market Rates

0.25%*$80k*-Money Market Yield Account
OTHER TIERS: 0.10% $2.5k - $20k | 0.15% $20k - $50k | 0.20% $50k - $80k

San Francisco Federal Credit Union CD Rates

2.60%*$100k*-60 Month Certificate
OTHER TIERS: 2.40% $1k - $10k | 2.50% $10k - $50k | 2.55% $50k - $100k
2.35%*$100k*-48 Month Certificate
OTHER TIERS: 2.15% $1k - $10k | 2.25% $10k - $50k | 2.30% $50k - $100k
2.10%*$100k*-36 Month Certificate
OTHER TIERS: 1.90% $1k - $10k | 2.00% $10k - $50k | 2.05% $50k - $100k
1.60%*$100k*-24 Month Certificate
OTHER TIERS: 1.40% $1k - $10k | 1.50% $10k - $50k | 1.55% $50k - $100k
1.60%*$100k*-30 Month Certificate
OTHER TIERS: 1.40% $1k - $10k | 1.50% $10k - $50k | 1.55% $50k - $100k
1.59%$1k-13 Month CD Special
1.10%*$100k*-12 Month Certificate
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k | 1.05% $50k - $100k
1.10%*$100k*-18 Month Certificate
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $50k | 1.05% $50k - $100k
0.40%*$100k*-6 Month Certificate
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $50k | 0.35% $50k - $100k
0.30%*$100k*-3 Month Certificate
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k

San Francisco Federal Credit Union IRA Rates

2.60%$1k-60 Month IRA Certificate
2.35%$1k-48 Month IRA Certificate
2.10%$1k-36 Month IRA Certificate
1.60%$1k-24 Month IRA Certificate
1.60%$1k-30 Month IRA Certificate
1.10%$1k-12 Month IRA Certificate
1.10%$1k-18 Month IRA Certificate

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
Branch Office1811 El Camino RealBurlingame, CA 94010
Branch Office4800 Mission StSan Francisco, CA 94112-3414

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