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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 San Francisco Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 11, 2026
San Francisco Federal Credit Union's IRA CDs 60 month rates are at 3.00%, 60 month CDs rates are at 3.00%, IRA CDs 48 month rates are at 2.75%, 48 month CDs rates are at 2.75%, IRA CDs 36 month rates are at 2.60%. San Francisco Federal Credit Union's savings rates are at 0.01%. San Francisco Federal Credit Union's money market rates are at 0.10%. San Francisco Federal Credit Union's Conforming 15 Year Fixed Rate rates are at 5.38%, 5/1 Adjustable Rate Mortgage rates are at 5.25%, 7/1 Adjustable Rate Mortgage rates are at 5.50%, 10/1 Interest-Only Adjustable Rate Mortgage rates are at 6.00%, Jumbo 30 Year Fixed Rate rates are at 6.12%. San Francisco Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of San Francisco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.14%. Rates were last updated on 03/11/2026. San Francisco Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at San Francisco Federal Credit Union? Share your experience about San Francisco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use San Francisco Federal Credit Union. San Francisco Federal Credit Union
Golden Gate Avenue 770 Golden Gate Ave
https://www.sanfranciscofcu.com San Francisco, CA 94102 3120 
San Francisco Federal Credit Union CD Rates
San Francisco Federal Credit Union Savings Rates
San Francisco Federal Credit Union Money Market Rates
San Francisco Federal Credit Union Mortgage Rates
San Francisco Federal Credit Union Home Equity & HELOC
San Francisco Federal Credit Union Auto Loan Rates
San Francisco Federal Credit Union Credit Card Rates
San Francisco Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for San Francisco Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather San Francisco Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with San Francisco Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
San Francisco Federal Credit Union
Website
https://www.sanfranciscofcu.com
Address
770 Golden Gate Ave,
San Francisco, CA 94102 3120
Phone
415-775-5377
Fax
415-775-0715
President
David Huebner
CEO
Ray Shams
Full-Time Employees
110
Part-Time Employees
0
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.14%
Return on Assets (ROA)
0.8370%
Return on Equity (ROE)
7.4200%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
1,442,118,831
Total Amount of Shares and Deposits
1,100,571,367
Total Shares and Deposits < 1 Year
825,184,811
Total Shares and Deposits 1 3 Years
170,484,710
Total Shares and Deposits > 3 Years
104,901,846
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,333,841
Total Uninsured Shares and Deposits > $250K (F+J)
88,333,841
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,012,237,526
Total Interest Expense (Sum of items 6 8)
13,075,845
Share Certificates
3,346
Number of Accounts for Share Drafts
32,100
IRA KEOGH Accounts
2,215
Number of Accounts for Regular Shares
56,585
All other shares
1,610
Non Member Deposits
5
Money Market Shares
3,074
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
81,171,089
Total Liabilities
1,289,979,319
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About San Francisco Federal Credit UnionIs San Francisco Federal Credit Union a safe place to deposit money?Yes, San Francisco Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.1357070410923%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does San Francisco Federal Credit Union operate?San Francisco Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join San Francisco Federal Credit Union?Yes, to access services at San Francisco Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, San Francisco Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, San Francisco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does San Francisco Federal Credit Union offer online and mobile banking?Most modern institutions like San Francisco Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sanfranciscofcu.com. Current San Francisco Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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