San Francisco Federal Credit Union

San Francisco Federal Credit Union proudly serves members throughout California with a full range of financial services designed to support your goals at every stage. Whether you’re managing daily expenses or planning major milestones, San Francisco FCU offers convenient statewide ATM and cash withdrawal services—including basic ATM access for quick withdrawals and balance checks—to keep your money within easy reach wherever you live in CA.
Members enjoy competitive auto loans and vehicle financing options tailored to fit diverse budgets, along with flexible mortgage loans and refinancing solutions that make homeownership more accessible. Personal banking includes checking and savings accounts crafted for convenience, credit cards loaded with rewarding perks, plus personal loans and debt consolidation programs designed to simplify your finances. Business owners benefit from comprehensive merchant services and business loan offerings that empower local enterprises across the state.
With secure online and mobile banking platforms available 24/7, managing your finances is effortless no matter where you are in California. Beyond banking, San Francisco FCU is deeply committed to community programs that strengthen neighborhoods statewide. Join San Francisco Federal Credit Union today and experience the value of membership built around you—your goals, your community, your future.

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, our mission is simple yet profound: to empower our members and strengthen our community across . Under the leadership of CEO Ray Shams and Board President David Huebner, we are dedicated to providing a member-first service that prioritizes your financial well-being. We understand that modern life demands convenience, which is why we offer an array of digital services designed to enhance your banking experience. From electronic signature authorization to e-statements, mobile payments, and a dedicated mobile app, we ensure that managing your finances is both easy and efficient. With online banking and person-to-person payment support, you can access your accounts anytime, anywhere, making it easier than ever to stay connected with your money. Explore all that we have to offer at https://www.sanfranciscofcu.com/ or reach us at our fax number, (415) 775-0715. Join us in building a brighter financial future together!

Services & Financial Solutions

At San Francisco Federal Credit Union, we understand that managing your finances is a crucial part of everyday life, and we're here to support you with a range of services tailored to meet your needs in California. Whether you're opening a checking or savings account for daily transactions, seeking a personal loan to consolidate debt, or dreaming of homeownership through our mortgage options, we offer flexible solutions designed to make banking easy and accessible. Our competitive rates on auto loans and credit cards with rewards further empower you to make the most out of your financial journey.
In today’s fast-paced world, convenience matters. That’s why we provide robust online and mobile banking services that allow you to manage your accounts at your fingertips. With our mobile application, you can make secure payments using mobile payments technology or transfer money effortlessly with person-to-person payment options. Plus, opting for e-statements helps you keep track of your finances without the clutter of paper. Need to sign documents quickly? Our electronic signature feature ensures you can complete transactions from anywhere without hassle. At San Francisco Federal Credit Union, we're committed to offering you the tools and resources necessary for financial success while keeping everything simple and straightforward.

Why Choose Us

At san-francisco in , becoming a member is as easy as it gets! We welcome you to explore our community-oriented services and see how simple it is to open an account. Check out your membership eligibility at: https://landing.sanfranciscofcu.com/apply-for-a-new-membership—we're here to support you every step of the way. Our credit union prides itself on values that matter: trust, community engagement, personalized service, and financial reliability. Whether you're looking for personal banking options, vehicle financing, or mortgage solutions, we focus on your unique needs and goals. Plus, with our mobile application and online banking features, managing your finances has never been more convenient! Compare real-time loan offers today at LendMesh and find the best rates for your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us at san-francisco—where your financial future is our priority!

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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