What are the current interest rates at San Francisco Fire Credit Union?

Current rates for San Francisco Fire Credit Union include: Savings: 0.05%, MMA: 4.35%

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San Francisco Fire Credit Union

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San Francisco Fire Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, San Francisco Fire Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

San Francisco Fire Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 7-Month Tiered CD, 0.05% APY on savings, 4.35% APY on money market accounts, 5.88% on its Conforming Adjustable Rate Mortgage - 5/1 ARM, and personal loans from 8.49% APR, according to rates verified by MonitorBankRates. Other San Francisco Fire Credit Union mortgage rates include Conforming Adjustable Rate Mortgage - 7/1 ARM at 6.00%, Conforming 10 Year Fixed at 6.25%, and Conforming 15 Year Fixed at 6.38%. MonitorBankRates evaluates the financial stability of San Francisco Fire Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/14/2026.

San Francisco Fire 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 Fire Credit Union? Share your experience about San Francisco Fire Credit Union by leaving a review below, or read customer reviews before you decide to use San Francisco Fire Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

San Francisco Fire Credit Union
Branch - California St

3201 California St
San Francisco, CA 94118-1903

https://www.sffirecu.org

Privately insuredNot NCUA

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

San Francisco Fire Credit Union CD Rates

Product	Rate	APY	Term
7-Month Tiered Certificate	-	4.00%	7 months
Min Deposit $250 Min Balance $3,000 Details Intro promotional period (First 90 days); Balance: $3,000.01 and over; Promotional rate valid for new deposits only with funds not currently held at SF Fire Credit Union; Open online or in online banking/SF Fire Mobile App Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
7-Month Tiered Certificate	-	4.00%	7 months
Min Deposit $250 Min Balance $0 Details Remaining term (Day 91 to maturity); Balance: full balance until date of maturity; Converts to a one-year Term Certificate at maturity at prevailing rate; Open online or in online banking/SF Fire Mobile App Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Savings Rates

Product	Rate	APY
Educational Savings	0.05%	0.05%
Min Deposit $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Savings	0.05%	0.05%
Min Deposit $0 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Tiered Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Tiered Savings	0.03%	0.03%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Holiday Savings	0.02%	0.02%
Min Deposit $0 Details Dividends credited at distribution on November 1st; deposits must remain until November 1st Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Tiered Savings	0.02%	0.02%
Min Balance $0 Details Balance: $0 and over Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Tiered Savings	0.02%	0.02%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	4.35%
Details Promotional rate on new money deposits; available October 1 through December 31, 2026; No monthly fees Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 4.35% ▲ 2.35 pts · high 4.35% / low 2.00% Oct 10, 20264.35%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conforming Adjustable Rate Mortgage - 7/1 ARM	6.00%	0	6.554%
Details APR reflects FICO score of 740 or higher, owner-occupied single-family in California, loan-to-value 60% or less; rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.55% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 10 Year Fixed	6.25%	1	6.581%	10 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Adjustable Rate Mortgage - 5/1 ARM	5.875%	0	6.592%
Details APR reflects FICO score of 740 or higher, owner-occupied single-family in California, loan-to-value 60% or less; rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 15 Year Fixed	6.375%	1	6.61%	15 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 10 Year Fixed	6.50%	0	6.611%	10 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Adjustable Rate Mortgage - 10/1 ARM	6.25%	0	6.614%
Details APR reflects FICO score of 740 or higher, owner-occupied single-family in California, loan-to-value 60% or less; rates subject to change without notice Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.61% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 7/1 ARM	6.00%	0	6.671%
Details APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.67% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 10/1 ARM	6.25%	0	6.695%
Details APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 15 Year Fixed	6.625%	0	6.704%	15 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 5/1 ARM	5.875%	0	6.738%
Details APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 20 Year Fixed	6.75%	1	6.941%	20 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Fixed	6.875%	1	7.022%	30 Year
Details Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.52% → 7.02% ▲ 0.50 pts · high 7.02% / low 6.52% Oct 10, 20267.02%▲ from 6.64% Sep 18, 20266.64%▲ from 6.52% Sep 14, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 20 Year Fixed	7.00%	0	7.064%	20 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Fixed	7.125%	0	7.175%	30 Year
Details Annual Percentage Rate reflects FICO 700 or higher; owner-occupied primary residence, single-family, California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.67% → 7.18% ▲ 0.50 pts · high 7.18% / low 6.67% Oct 10, 20267.18%▲ from 6.80% Sep 18, 20266.80%▲ from 6.67% Sep 14, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 30 Year Fixed	7.125%	1	7.274%	30 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming 30 Year Fixed	7.375%	0	7.425%	30 years
Details Owner-occupied primary residence, single-family, California, LTV 60% or less, no cash-out; APR reflects FICO 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	6.25%	-	6.367%	180 months
Details CLTV: < 80%; Fixed rate for the duration of the loan; Loan amount $50,000 minimum, $250,000 maximum; Rates effective 3/4/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HELOC (prime + 2.00%)	9.00%	-	9.00%
Details Rate basis: prime + 2.00% (variable, adjusts quarterly); LTV <80%; Maximum APR 18.00%; Maximum CLTV 80%; minimum line $20,000, maximum line $250,000 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos: 2025 or newer	4.63%	-	4.63%	12 to 48 Months
Details Loan amount: $5,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Autos: 2025 or newer	4.63%	-	4.63%	49-60 Months
Details Loan amount: $10,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Autos: 2025 or newer	4.63%	-	4.63%	61-72 Months
Details Loan amount: $15,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Autos: 2025 or newer	4.63%	-	4.63%	73-84 Months
Details Loan amount: $25,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payment discount (rate increases 0.25% without automatic payments) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025	-	-	4.75%	12 to 48 Months
Details Loan amount: $5,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payments discount; rate increases 0.25% if Automatic Loan Payments are not established or are cancelled Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025	-	-	4.75%	49-60 Months
Details Loan amount: $10,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payments discount; rate increases 0.25% if Automatic Loan Payments are not established or are cancelled Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025	-	-	4.75%	61-72 Months
Details Loan amount: $15,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payments discount; rate increases 0.25% if Automatic Loan Payments are not established or are cancelled Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025	-	-	4.75%	73-84 Months
Details Loan amount: $25,000; Lowest available rate for qualified borrowers, includes 0.25% Automatic Loan Payments discount; rate increases 0.25% if Automatic Loan Payments are not established or are cancelled Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Classic & Older Autos	-	-	8.54%	12-48 Months
Details Loan amount: $5,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Classic & Older Autos	-	-	8.69%	49-60 Months
Details Loan amount: $10,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles/Scooters: 2025 or newer Loan	-	6.87%	1 to 36 Months
Details Loan amount: $5,000; APR includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.87% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Motorcycles/Scooters: 2025 or newer Loan	-	6.87%	37 to 60 Months
Details Loan amount: $10,000; APR includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.87% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Motorcycles/Scooters: 2025 or newer Loan	-	6.87%	61 to 72 Months
Details Loan amount: $15,000; for new motorcycles only; APR includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Motorcycles/Scooters Loan	-	6.99%	1 to 36 Months
Details Loan amount: $5,000; Model Year: 2020 - 2025; Rates include 0.25% Automatic Loan Payment discount; rate increases 0.25% without automatic payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Motorcycles/Scooters Loan	-	6.99%	37 to 60 Months
Details Loan amount: $10,000; Model Year: 2020 - 2025; Rates include 0.25% Automatic Loan Payment discount; rate increases 0.25% without automatic payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Boats, Jet Skis, ATVs: 2025 or newer Loan	-	8.13%	12 - 36 Months
Details Loan Amount: $15,000; Includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.13% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Boats, Jet Skis, ATVs: 2020 - 2025 Loan	-	8.38%	12 - 36 Months
Details Loan amount: $15,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.38% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Boats, Jet Skis, ATVs: 2025 or newer Loan	-	8.50%	37 - 60 Months
Details Loan Amount: $15,000; Includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Boats, Jet Skis, ATVs: 2020 - 2025 Loan	-	8.75%	37 - 60 Months
Details Loan amount: $15,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Boats, Jet Skis, ATVs: 2025 or newer Loan	-	9.25%	61 - 120 Months
Details Loan Amount: $50,000; Includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Boats, Jet Skis, ATVs: 2020 - 2025 Loan	-	9.50%	61 - 120 Months
Details Loan amount: $50,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Boats, Jet Skis, ATVs: 2025 or newer Loan	-	10.25%	121 - 180 Months
Details Loan Amount: $75,000; Includes 0.25% Automatic Loan Payment discount Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Used Boats, Jet Skis, ATVs: 2020 - 2025 Loan	-	10.50%	121 - 180 Months
Details Loan amount: $75,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan - Graduate (business students only)	-	-	7.00%	20 or 25 years
Details Published APR range: 7.00% - 8.00%. Private student loan via Credit Union Student Choice; indexed to Prime Rate plus 3% or 4% based on creditworthiness; APR floor 6% for FICO 730+ and 7% for FICO 660-729; APR will not exceed 18.00%; credit union membership required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Student Loan - Undergraduate	-	-	10.75%	20 or 25 years
Details Published APR range: 10.75% - 11.75%. Private student loan via Credit Union Student Choice; indexed to Prime Rate plus 3% or 4% based on creditworthiness; APR floor 6% for FICO 730+ and 7% for FICO 660-729; APR will not exceed 18.00%; credit union membership required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Personal Loan Rates

Product	APR	Term
Solar Panel Loan	8.49%	up to 60 Months
Details Loan amount: $5,000; APR range: 8.49% - 10.49%; single-family homes only; signed solar panel contract required before funding Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Panel Loan	8.49%	61-84 Months
Details Loan amount: $10,000; APR range: 8.49% - 10.49%; single-family homes only; signed solar panel contract required before funding Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Panel Loan	8.49%	85-120 Months
Details Loan amount: $15,000; APR range: 8.49% - 10.49%; single-family homes only; signed solar panel contract required before funding Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan	9.25%	36 Months
Details Min / max amount: $10,000 / $25,000; Unsecured personal loan; Rates fixed for the term of the loan Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan	9.38%	37 to 48 Months
Details Min / max amount: $10,000 / $25,000; Unsecured personal loan; Rates fixed for the term of the loan Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Panel Loan	9.49%	121-180 Months
Details Loan amount: $20,000; APR range: 9.49% - 11.49%; single-family homes only; signed solar panel contract required before funding Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan	9.50%	49 to 60 Months
Details Min / max amount: $10,000 / $25,000; Unsecured personal loan; Rates fixed for the term of the loan Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Panel Loan	10.49%	181-240 Months
Details Loan amount: $25,000; APR range: 10.49%-12.49%; single-family homes only; signed solar panel contract required before funding Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

San Francisco Fire Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Conforming Home Loan - 10 Year	6.25%	1	6.581%	10 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.33% → 6.58% ▲ 0.25 pts · high 6.58% / low 6.33% Sep 27, 20266.58%▲ from 6.33% Sep 22, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 10 Year	6.50%	0	6.611%	10 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.36% → 6.61% ▲ 0.25 pts · high 6.61% / low 6.36% Sep 27, 20266.61%▲ from 6.36% Sep 22, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 15 Year	6.375%	1	6.61%	15 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.36% → 6.61% ▲ 0.25 pts · high 6.61% / low 6.36% Sep 27, 20266.61%▲ from 6.36% Sep 22, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 15 Year	6.625%	0	6.704%	15 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.45% → 6.70% ▲ 0.25 pts · high 6.70% / low 6.45% Sep 27, 20266.70%▲ from 6.45% Sep 22, 20266.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 20 Year	6.75%	1	6.941%	20 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69% Sep 27, 20266.94%▲ from 6.69% Sep 22, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 20 Year	7.00%	0	7.064%	20 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 22, 2026 · 6.81% → 7.06% ▲ 0.25 pts · high 7.06% / low 6.81% Sep 27, 20267.06%▲ from 6.81% Sep 22, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 30 Year	7.125%	1	7.274%	30 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 22, 2026 · 6.90% → 7.27% ▲ 0.38 pts · high 7.27% / low 6.90% Oct 10, 20267.27%▲ from 7.15% Sep 27, 20267.15%▲ from 6.90% Sep 22, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conforming Home Loan - 30 Year	7.375%	0	7.425%	30 years
Details APR reflects FICO 740+, owner-occupied primary residence, single-family in California, 60% LTV or less, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 22, 2026 · 7.05% → 7.43% ▲ 0.38 pts · high 7.43% / low 7.05% Oct 10, 20267.43%▲ from 7.30% Sep 27, 20267.30%▲ from 7.05% Sep 22, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 10 Year	6.25%	1	6.581%	10 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.33% → 6.58% ▲ 0.25 pts · high 6.58% / low 6.33% Sep 27, 20266.58%▲ from 6.33% Sep 18, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 10 Year	6.50%	0	6.611%	10 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.36% → 6.61% ▲ 0.25 pts · high 6.61% / low 6.36% Sep 27, 20266.61%▲ from 6.36% Sep 18, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 15 Year	6.75%	1	6.988%	15 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 27, 20266.99%▲ from 6.74% Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 15 Year	7.00%	0	7.08%	15 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.83% → 7.08% ▲ 0.25 pts · high 7.08% / low 6.83% Sep 27, 20267.08%▲ from 6.83% Sep 18, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 30 Year	7.25%	1	7.40%	30 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.02% → 7.40% ▲ 0.38 pts · high 7.40% / low 7.02% Oct 1, 20267.40%▲ from 7.27% Sep 27, 20267.27%▲ from 7.02% Sep 18, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 30 Year	7.50%	0	7.551%	30 Year
Details APR reflects FICO 740+, 60% LTV, California primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.17% → 7.55% ▲ 0.38 pts · high 7.55% / low 7.17% Oct 1, 20267.55%▲ from 7.43% Sep 27, 20267.43%▲ from 7.17% Sep 18, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 10 Year	6.25%	1	6.581%	10 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.08% → 6.58% ▲ 0.50 pts · high 6.58% / low 6.08% Oct 10, 20266.58%▲ from 6.33% Sep 18, 20266.33%▲ from 6.08% Sep 14, 20266.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 10 Year	6.50%	0	6.611%	10 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.11% → 6.61% ▲ 0.50 pts · high 6.61% / low 6.11% Oct 10, 20266.61%▲ from 6.36% Sep 18, 20266.36%▲ from 6.11% Sep 14, 20266.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 15 Year	6.75%	1	6.988%	15 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.48% → 6.99% ▲ 0.50 pts · high 6.99% / low 6.48% Oct 10, 20266.99%▲ from 6.74% Sep 18, 20266.74%▲ from 6.48% Sep 14, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 15 Year	7.00%	0	7.08%	15 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.58% → 7.08% ▲ 0.50 pts · high 7.08% / low 6.58% Oct 10, 20267.08%▲ from 6.83% Sep 18, 20266.83%▲ from 6.58% Sep 14, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 30 Year	7.25%	1	7.40%	30 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.77% → 7.40% ▲ 0.63 pts · high 7.40% / low 6.77% Oct 10, 20267.40%▲ from 7.02% Sep 18, 20267.02%▲ from 6.77% Sep 14, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 30 Year	7.50%	0	7.551%	30 Year
Details APR based on FICO 740 or higher, 60% LTV, California owner-occupied primary residence, no cash-out Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.92% → 7.55% ▲ 0.63 pts · high 7.55% / low 6.92% Oct 10, 20267.55%▲ from 7.17% Sep 18, 20267.17%▲ from 6.92% Sep 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

San Francisco Fire Credit Union’s Texas Ratio fell from 4.13% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	3.32%	5.0	A+
March 31, 2026	$1.6B	4.92%	5.0	A+
December 31, 2025	$1.6B	4.81%	5.0	A+
September 30, 2025	$1.6B	4.67%	5.0	A+
June 30, 2025	$1.6B	3.12%	5.0	A+
March 31, 2025	$1.6B	5.29%	5.0	A+
December 31, 2024	$1.6B	5.35%	5.0	A+
September 30, 2024	$1.7B	7.17%	5.0	A
June 30, 2024	$1.7B	6.86%	5.0	A
March 31, 2024	$1.7B	6.78%	5.0	A
December 31, 2023	$1.8B	5.70%	5.0	A+
September 30, 2023	$1.8B	4.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for San Francisco Fire 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 Fire 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 Fire Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name San Francisco Fire Credit Union

Website https://www.sffirecu.org

Address 3201 California St, San Francisco, CA 94118-1903

Phone 415-674-4800

Fax 415-674-4681

President Brook Baker

CEO Robert Kassab

Full-Time Employees 166

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.3892%

Return on Equity (ROE)

3.6604%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

1,617,674,714

Total Amount of Shares and Deposits

1,459,709,581

Total Shares and Deposits < 1 Year

1,424,633,524

Total Shares and Deposits 1 3 Years

22,824,366

Total Shares and Deposits > 3 Years

12,251,691

Total Interest Expense (Sum of items 6 8)

5,128,842

Share Certificates

7,567

Number of Accounts for Share Drafts

65,976

IRA KEOGH Accounts

2,429

Number of Accounts for Regular Shares

61,818

All other shares

1,155

Money Market Shares

5,432

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

100,945,895

Total Liabilities

1,479,470,811

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

San Francisco Fire Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About San Francisco Fire Credit Union

How many branches does San Francisco Fire Credit Union operate?

San Francisco Fire 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 Fire Credit Union?

Yes, to access services at San Francisco Fire 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 Fire 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 Fire Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does San Francisco Fire Credit Union offer online and mobile banking?

Most modern institutions like San Francisco Fire 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.sffirecu.org.

Current San Francisco Fire Credit Union Rates

Savings0.05%
MMA4.35%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

San Francisco Fire Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

San Francisco Fire Credit Union Texas Ratio

San Francisco Fire Credit Union Health Trend

San Francisco Fire Credit Union CD Rates

San Francisco Fire Credit Union Savings Rates

San Francisco Fire Credit Union Money Market Rates

San Francisco Fire Credit Union Mortgage Rates

San Francisco Fire Credit Union Home Equity & HELOC

San Francisco Fire Credit Union Auto Loan Rates

San Francisco Fire Credit Union RV, Boat and Powersport Loan Rates

San Francisco Fire Credit Union Student Loan Rates

San Francisco Fire Credit Union Personal Loan Rates

San Francisco Fire Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

San Francisco Fire Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About San Francisco Fire Credit Union

How many branches does San Francisco Fire Credit Union operate?

Is a member application needed to join San Francisco Fire Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does San Francisco Fire Credit Union offer online and mobile banking?

Current San Francisco Fire Credit Union Rates

Compare to Other Credit Unions