San Francisco Fire Credit Union

Overview / Commentary
3201 California St
San Francisco, CA 94118

San Francisco Fire Credit Union is headquartered in San Francisco and is the 37th largest credit union in the state of California. It is also the 264th largest credit union in the nation. It was established in 1959 and as of June of 2022, it had grown to 189 employees and 76,401 members at 3 locations. San Francisco Fire Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in San Francisco Fire Credit Union is open to those who live, work, or attend school in San Mateo, San Francisco, or Marin Counties in California, active or retired fire fighters in San Mateo, San Francisco, or Marin County Fire Fighters, or members of the California State Firefighters’ Association.
See current membership details

Reviews (2)

Great CU, All Positive

Posted by: |

This credit union is amazing. Great customer service, free ATM fees. Most importantly for me, I am able to access help through online chat or by phone with a real person almost anytime during the day. I have been able to resolve so many issues and get so many questions answered in situations where other banks or credit unions would be closed or unavailable to help me clarify my concerns. Great credit union overall, I highly recommend it.

Incredible Service - But Watch The Insurance

I love this credit union. They rebate ATM fees to pull your money out of your account, no matter where. If you need a notary or signature guarantee, it's included for members. There's a coin counting machine in the lobby, so when you find that jar of change, bring it to the branch, count it up, and just hand the slip to a teller to put it in your account. CU reps are available ridiculous hours (until 9 or 10 pm) to answer questions in live chat.

The only reason why this isn't my primary bank is that they have private (American Share Insurance) instead of the full faith and credit of the US government (NCUA). While the CU seems well managed and has good tools and is growing nicely, I dislike even the remote possibility that a failure could be catastrophic to me if I used the credit union as my main financial institution. I asked the president the question -- it's encouraged on the web site! -- and he said that members get better coverage amounts by going only with private insurance. For this reason, I took off one star on the overall rating. I like the credit union so much, but I can't make them my primary bank until the risk of a failure is "off the table."


Health Grade Components

NCUA #97069
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD6.57%
Annual Interest Income$21.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.71B$1.68B
LoansQ2 2022vs Q2 2021$1.14B$945.4MM
DepositsQ2 2022vs Q2 2021$1.61B$1.54B
Equity CapitalQ2 2022vs Q2 2021$90.7MM$131.7MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.9MM$3.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$6.8MM$4.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for San Francisco Fire Credit Union are currently being reviewed.


San Francisco Fire Credit Union Locations
Branch Office565 Buckingham WaySan Francisco, CA 94132
Branch Office3201 California StSan Francisco, CA 94118-1903
Branch Office12 Mint PlzSan Francisco, CA 94103-1862

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