San Francisco Federal Credit Union

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

San Francisco Federal Credit Union is headquartered in San Francisco and is the 46th largest credit union in the state of California. It is also the 321st largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 65 employees and 49,842 members at 8 locations. San Francisco Federal Credit Union's money market rates are 14% 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, or worship in the California counties of San Francisco or San Mateo.
See current membership details

Reviews (2)

Great Place!

Posted by: |

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 - YTD1.9%
Return on Equity - YTD22.83%
Annual Interest Income$16.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.48B$1.33B
LoansQ1 2024vs Q1 2023$436.1MM$475.7MM
DepositsQ1 2024vs Q1 2023$1.04B$1.13B
Equity CapitalQ1 2024vs Q1 2023$123.3MM$97.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$23.8MM$26.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4.8MM$2MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* 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

0.15%$500-IRA Savings
OTHER TIERS: 0.02% $100 - $50k

San Francisco Federal Credit Union Money Market Rates

0.50%*$80k*-Money Market Yield Account
OTHER TIERS: 0.10% $2.5k - $20k | 0.15% $20k - $50k | 0.35% $50k - $80k

San Francisco Federal Credit Union CD Rates

4.15%$1k-60 Month Certificate
4.07%$1k-11 Month Certificate Special
3.75%$1k-48 Month Certificate
3.60%$1k-36 Month Certificate
3.50%$1k-30 Month Certificate
1.80%$1k-24 Month Certificate
1.50%$1k-18 Month Certificate
1.00%$1k-12 Month Certificate
0.50%$1k-6 Month Certificate
0.40%$1k-3 Month Certificate

San Francisco Federal Credit Union IRA Rates

4.15%$1k-60 Month IRA Certificate
4.07%$1k-11 Month IRA Certificate Special
3.75%$1k-48 Month IRA Certificate
3.60%$1k-36 Month IRA Certificate
3.50%$1k-30 Month IRA Certificate
1.80%$1k-24 Month IRA Certificate
1.50%$1k-18 Month IRA Certificate
1.00%$1k-12 Month IRA Certificate

San Francisco Federal Credit Union Locations
Branch Office770 Golden Gate AveSan Francisco, CA 94102-3120
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
Branch Office851 Van Ness AveSan Francisco, CA 94109
Branch Office510 Veterans Blvd Ste BRedwood City, CA 94063
Corporate Office770 Golden Gate AveSan Francisco, CA 94102-3120

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