San Francisco Federal Credit Union

Founded in 1954, San Francisco Federal Credit Union is a trusted national financial institution committed to empowering over 50,000 members across the country. With assets surpassing $1.3 billion and a solid net worth of $151 million, this credit union offers stability and personalized service under the leadership of CEO Ray Shams.
San Francisco FCU provides a comprehensive suite of financial products designed to meet diverse needs. Members enjoy convenient ATM and cash withdrawal services, competitive auto loans and vehicle financing, as well as mortgage loans and refinancing options tailored for homebuyers and homeowners. Personal banking solutions include checking and savings accounts, credit cards with rewarding perks, personal loans, and debt consolidation assistance to help manage finances effectively.
Business owners benefit from merchant services and flexible business loan programs aimed at fostering growth. With robust online and mobile banking platforms, San Francisco Federal Credit Union ensures secure 24/7 access to accounts anytime, anywhere.
Backed by a dedicated team of 95 employees and multiple branches nationwide, San Francisco FCU is your reliable partner for smart banking solutions that support your financial goals every step of the way. Discover more at https://www.sanfranciscofcu.com/.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
heloc
HELOC 10/20
7.5 %
home equity
10 Year Home Equity Loan
7.875 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5/1 Adjustable Rate Mortgage
5.5 %
6.401 %
5.0 Yrs
CONVENTIONAL
FIXED
Conforming 15 Year Fixed Rate
5.625 %
5.776 %
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/1 Adjustable Rate Mortgage
5.625 %
6.298 %
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
10/1 Interest-Only Adjustable Rate Mortgage
6.5 %
6.724 %
10.0 Yrs
CONVENTIONAL
FIXED
Conforming 30 Year Fixed Rate
6.625 %
6.728 %
30.0 Yrs
JUMBO
FIXED
Super-Conforming 30 Year Fixed Rate
6.75 %
6.837 %
30.0 Yrs
JUMBO
FIXED
Jumbo 30 Year Fixed Rate
6.875 %
6.963 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan 1-12 months
4.99 - 17.95 %
0.1 - 1 Yrs
Personal loan 13-24 months
8.7 - 17.99 %
1.1 - 2 Yrs
Personal loan 25-36 months
8.75 - 17.99 %
2.1 - 3 Yrs
Personal loan 37-48 months
8.8 - 17.99 %
3.1 - 4 Yrs
Personal loan 49-60 months
8.85 - 17.99 %
4.1 - 5 Yrs
Personal loan 61-72 months
8.95 - 17.99 %
5.1 - 6 Yrs
Personal loan 73-84 months
9.34 - 17.99 %
6.1 - 7 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New Auto – 2025 or Newer with Less than 5K Miles
4.99 % - 6.05 %
0.1 Yrs - 8 Yrs

Introduction

At san-francisco, established in 1954, we pride ourselves on our deep-rooted commitment to serving the financial needs of our community. Headquartered in the vibrant city of San Francisco, CA, our mission revolves around empowering our members through accessible financial services and fostering a sense of belonging. Under the leadership of CEO Ray Shams and Board President David Huebner, we strive to deliver exceptional member-first banking experiences while supporting military personnel and local residents alike.
As a federally insured institution by the NCUA since 4/9/1986 0:00, we ensure that your deposits are protected while you take advantage of our modern banking tools designed for convenience and accessibility. Our offerings include user-friendly online banking, a mobile application for on-the-go transactions, person-to-person transfers, e-statements, and mobile payments—making it easier than ever to manage your finances. With a commitment to transparency and trust, we invite you to explore how san-francisco can help you achieve your financial goals. For more information, visit our official website at https://www.sanfranciscofcu.com/ or reach out via fax at (415) 775-0715.

Financial Services

At san-francisco, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to specialized offerings such as auto loans, mortgage refinancing, and business banking services, our goal is to empower our members in managing their finances effectively. Our digital platforms make banking effortless; with features like online banking, a user-friendly mobile app, and convenient tools for person-to-person transfers and mobile payments, you can easily navigate your financial life from anywhere. E-statements provide a hassle-free way to manage your accounts while maintaining a clear view of your financial health.
Whether you're planning for important life milestones or looking to grow your small business, our tailored financial solutions can help you achieve your goals. With competitive rates on loans and credit cards, plus the ability to compare options through https://www.lendmesh.com/loans/vehicle_loans, making informed decisions has never been easier. We welcome anyone interested in joining our community; simply visit https://landing.sanfranciscofcu.com/apply-for-a-new-membership for more information about membership qualifications. If you have questions or need assistance, feel free to reach out to us at (415) 775-0715—we're here to support you every step of the way!

Financial Highlights

At san-francisco, we pride ourselves on being a trusted and valuable financial partner for our community in San Francisco. With a total membership of 50,338, we have established a strong foundation built on trust, transparency, and commitment to our members' financial well-being. Our substantial total assets of 1,345,819,264 reflect our stability and capability to provide quality services tailored to meet the diverse needs of our members.
Our financial health is further demonstrated by a robust net worth of 151,187,472 and a commendable net worth ratio of 1,124, indicating our strength as an institution in the financial landscape. We are dedicated to serving our members, as evidenced by our total deposits amounting to 92,861,460 and an active engagement in lending, with a total loans and leases count of 19,078. This proactive approach allows us to support both personal and commercial endeavors within the community.
With a team of 95 employees, we ensure that personalized service is at the forefront of our operations. Our commitment to excellence is not just about numbers; it’s about building relationships and fostering trust. We offer various loan products, including credit card loans totaling 2,778 and auto loans that stand at 2,110, all aimed at empowering our members’ financial journeys. Additionally, we actively participate in commercial lending with 309 loans, reinforcing our role as a vital resource for local businesses.
At san-francisco, we understand that financial decisions can be daunting. That's why we strive for transparency and accessibility in all we do, ensuring our members feel confident in their choices. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov.
Discover how you can benefit from partnering with us today. Compare real-time loan offers at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.

Branch services Offered States

CA

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • ATM Services Only

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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