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 39th largest credit union in the state of California. It is also the 278th largest credit union in the nation. It was established in 1959 and as of March of 2024, it had grown to 168 employees and 79,263 members at 3 locations. San Francisco Fire Credit Union's money market rates are 9X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in San Francisco Fire Credit Union is open to those who live, work, or attend school in the California counties of Marin, San Francisco, or San Mateo. Active and retired fire fighters in SMarin, San Francisco, or San Mateo Counties are eligible to join, as are members and employees of Local IAFF1171, Santa Clara Firefighters. Active Members of the California State Firefighters' Association also qualify for membership.
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 - YTD0.19%
Return on Equity - YTD3.58%
Annual Interest Income$16.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.74B$1.82B
LoansQ1 2024vs Q1 2023$1.16B$1.22B
DepositsQ1 2024vs Q1 2023$1.43B$1.51B
Equity CapitalQ1 2024vs Q1 2023$91.5MM$84.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.2MM$4.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$11.1MM$7.3MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not San Francisco Fire 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 Fire Credit Union Savings Account Rates

4.00%$0-High Yield Savings
0.05%$0-Health Savings Account
0.05%$0-Educational Savings
0.05%$0-IRA Savings
0.05%*$100k*-Tiered Savings Account
OTHER TIERS: 0.02% $0 - $50k | 0.03% $50k - $100k
0.05%*$100k*-Business Tiered Savings Account
OTHER TIERS: 0.02% $0 - $50k | 0.03% $50k - $100k
0.02%$0-Holiday Savings

San Francisco Fire Credit Union Money Market Rates

4.00%$0-Money Market - New Money

San Francisco Fire Credit Union CD Rates

5.00%$250-10 Month CD Special - New Money
5.00%$250-Business 10 Month CD Special - New Money
3.50%$250-3 Month CD
3.50%$250-6 Month CD
3.50%$250-1 Year CD
3.50%$100k-3 Month Jumbo CD
3.50%$100k-6 Month Jumbo CD
3.50%$100k-1 Year Jumbo CD
3.50%$250-Business 3 Month CD
3.50%$250-Business 6 Month CD
3.50%$250-Business 1 Year CD
3.50%$100k-Business 3 Month Jumbo CD
3.50%$100k-Business 6 Month Jumbo CD
3.50%$100k-Business 1 Year Jumbo CD
2.50%$250-2 Year CD
2.50%$250-Business 2 Year CD
2.45%$250-3 Year CD
2.45%$250-Business 3 Year CD
2.25%$250-5 Year CD
2.25%$250-Business 5 Year CD
0.20%$250-18 Month Bump-Up CD
0.20%$250-Business 18 Month Bump-Up CD

San Francisco Fire Credit Union IRA Rates

5.00%$100-10 Month IRA Special
3.50%$100-1 Year IRA
2.50%$100-2 Year IRA
2.45%$100-3 Year IRA
2.25%$100-5 Year IRA
0.20%$100-18 Month Bump-Up IRA
0.09%$100-60 Month Variable IRA

San Francisco Fire Credit Union Locations
Branch Office565 Buckingham WaySan Francisco, CA 94132
Branch Office3201 California StSan Francisco, CA 94118-1903
Branch Office3908 24th StSan Francisco, CA 94114-3704

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.