San Francisco Federal Credit Union

Located in the heart of San Francisco at 851 Van Ness Ave, the San Francisco Credit Union branch is your friendly neighborhood partner for smart financial solutions. Open Monday through Friday from 12 PM to 5 PM, this branch offers convenient ATM and cash withdrawal services to keep your funds within easy reach. Whether you're planning to finance your next vehicle with some of the best auto loans in the city or exploring competitive mortgage loans and refinancing options, the knowledgeable team is here to help you navigate your financial journey with confidence.
Serving over 50,000 members and managing assets exceeding $1.3 billion, this branch provides a full suite of personal banking options including top-tier checking and savings accounts, credit cards with rewarding perks, and flexible personal loans for debt consolidation. Business owners also benefit from tailored merchant services and business loans designed to fuel local growth. While there’s no drive-thru service, robust online and mobile banking platforms ensure you can manage your money anytime, anywhere.
Visit the San Francisco Credit Union branch at 851 Van Ness Ave or call 415-775-5377 today to experience personalized service and discover how our signature auto loans and mortgage programs can accelerate your financial 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

Welcome to San Francisco at the Van Ness Branch, your trusted partner for financial solutions since 1954. Located at 851 Van Ness Ave, San Francisco, CA 94109, we pride ourselves on being more than just a credit union; we're a community hub committed to enhancing the financial well-being of our 50,338 members. With assets totaling an impressive $1,345,819,264, we are dedicated to providing personalized services that cater to your unique needs. At our branch, we understand that every member has different goals and aspirations. Whether you're looking for a new car, a home loan, or simply want to manage your savings effectively, we've got you covered with total loans and leases reaching 19,078. Our dedicated team of 95 employees, led by CEO Ray Shams and Board President David Huebner, is here to ensure you receive the best service possible. We recognize the importance of trust in financial relationships. That's why our net worth stands strong at $151,187,472, reflecting our commitment to stability and growth for our members. Additionally, with over $92,861,460 in total deposits and cash in hand amounting to $8,297,642, you can have peace of mind knowing your finances are secure with us. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 851 Van Ness Ave, San Francisco, CA 94109. We invite you to explore our diverse range of services including personal banking accounts, auto loans and vehicle financing, mortgage options, and business banking solutions all designed with your success in mind. At the heart of our mission is a commitment to fostering a supportive community where every member feels valued. Come visit us or give us a call at 415-775-5377 to discover how we can help you achieve your financial dreams today! For more information about our services or to open an account online, check out our website at San Francisco FCU.

Branch History & Mission

Commitment to Community

At San Francisco, our commitment goes beyond banking. We strive to make a positive impact on the lives of our members and the broader community. We engage in various outreach efforts, including partnerships with local organizations, ensuring that we contribute actively to initiatives that uplift those around us. We also embrace modern technology to enhance your experience with us. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier or more accessible.

Join Us

As we look towards the future, we invite you to be part of our journey. Whether you're seeking reliable financial solutions or looking for ways to connect with your community, San Francisco is here for you. Visit us at 851 Van Ness Ave San Francisco Ca 94109 or reach out at (415) 775-5377. Together, let's build a brighter financial future! While members can visit us at 851 Van Ness Ave San Francisco Ca 94109, official correspondence should be sent to 851 Van Ness Ave, San Francisco, CA 94109 if it differs from our branch address. Join us today and discover how San Francisco can help you achieve your dreams!

Our Journey

From our humble beginnings, San Francisco has evolved into a trusted financial partner for many families and businesses in the area. Located at 851 Van Ness Ave San Francisco Ca 94109, right near key landmarks that define our city, we are more than just a financial institution; we are an integral part of the community fabric. With convenient operating hours from Monday to Friday, 12 PM to 5 PM, we're here when you need us most. Our mission is simple yet powerful: to provide accessible and meaningful financial services while fostering a strong sense of community support. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's through personal banking solutions like checking accounts and auto loans or robust services for local businesses.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. Ample parking is available nearby, and we ensure that our facilities are ADA compliant, featuring ramps and accessible entrances. If you need to send official correspondence, please note that you can use the same address for mailing: 851 Van Ness Ave, San Francisco, CA 94109.

Operating Hours and Services

We're open Monday through Friday from 12 PM to 5 PM, making it easy for you to stop by after work or during your lunch break. While we're closed on Saturdays and Sundays, our services are always just a phone call away at 415-775-5377. At our branch, we offer a range of banking services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage options, we're here to help you navigate your financial journey. Plus, enjoy the convenience of an ATM on-site for quick cash withdrawals and balance checks.

Visit Us Today!

We invite you to come by and discover how we can assist you with your financial goals. Our friendly team is ready to help answer any questions you might have. Stop in today or give us a call we're excited to serve you!

Member Eligibility

Joining the San Francisco community is more than just opening an account; it's about becoming part of a supportive family that cares about your financial well-being. To become a member, you'll need to meet some straightforward eligibility criteria. Generally, if you live, work, worship, or attend school in San Francisco County, you're already on your way to membership! You can find all the detailed requirements and any specific conditions by visiting our eligibility page at https://landing.sanfranciscofcu.com/apply-for-a-new-membership. Once you've checked your eligibility, opening an account is a breeze! Just head over to our account opening page at https://landing.sanfranciscofcu.com/apply-for-a-new-membership, where you'll find easy steps to get started. If you have questions or need assistance along the way, feel free to reach out to us at (415) 775-5377. We're here to help you every step of the way as you embark on this exciting journey with us at San Francisco, located conveniently at 851 Van Ness Ave San Francisco Ca 94109. Welcome aboard!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer merchant services that simplify payment processing for businesses. Imagine having the tools to accept payments easily, whether online or in-person. This means you can focus on what you do best running your business while we handle the financial transactions smoothly. Located at 851 Van Ness Ave San Francisco Ca 94109 in San Francisco, CA, our team is ready to assist you in navigating your business financial needs. Contact us at (415) 775-5377 to learn more about how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $253 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $56 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $26,292,760, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? We provide basic ATM access for withdrawals and balance checks right when you need it. You can find our ATMs conveniently located throughout San Francisco for added accessibility. At San Francisco, we understand that each member has unique financial goals. That's why we're committed to offering personalized service tailored just for you. Whether you're visiting us at our location or using our digital banking tools, we're here to support you every step of the way. Ready to explore how we can assist you further? Call us today at (415) 775-5377 or visit our website at Van Ness Branch for more information!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options provide competitive rates that help turn your dream ride into reality. Picture driving off in your new vehicle with affordable monthly payments tailored to fit your budget.

Business Banking

For our business members, we offer tailored solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand, we have the resources to help your business thrive.

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards not only offer great benefits but also provide cashback and points for everyday purchases. Use them wisely, and watch as your spending turns into savings!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with attractive terms designed to support you every step of the way. Our knowledgeable team is here to guide you through the process, ensuring that you find a solution that works for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services make it easy for you to manage your accounts anytime, anywhere. With features like person-to-person payments and secure transactions at your fingertips, banking has never been easier.

Personal Banking

Whether you're looking to open a checking or savings account, we have you covered. Our personal banking services make it easy to manage your finances. Imagine having instant access to your funds through online and mobile banking, allowing you to check balances, transfer money, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can be unpredictable, and sometimes you need extra cash for unexpected expenses. With our personal loans and debt consolidation options, you can consolidate multiple debts into one manageable payment or fund personal projects without stress.

Digital & Online Banking

Accessible and Easy-to-Use

Navigating through our digital services is simple and intuitive. Whether you're tech-savvy or just getting started with online banking, you'll find that managing your accounts is straightforward. With real-time access to your finances, you can make informed decisions whenever needed. Join us at San Francisco today and experience how easy digital banking can be! Your financial journey starts here visit us online at https://www.sanfranciscofcu.com/ for more information on how we can support you in achieving your financial goals.

Key Services Available

With our online banking platform, accessible at https://www.sanfranciscofcu.com/, you can check your account balances, transfer funds, and pay bills anytime, anywhere. Enjoy the freedom of banking 24/7 without the need to visit a branch. Plus, with our e-statements feature, you can easily view and manage your statements electronically saving paper and keeping everything organized. For those who enjoy the benefits of mobile technology, our mobile application allows you to make transactions on the go. You can even take advantage of mobile payments, making it easy to shop without carrying cash or cards. And if you ever need to send money to friends or family, our person-to-person transfer feature simplifies sending and receiving money instantly.

Security First

We prioritize your security with every transaction. Our online banking services utilize advanced security measures to keep your information safe while providing a user-friendly experience. Although we don't currently offer electronic signature authorization, rest assured that all other features maintain high standards for protecting your financial data.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 94 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

The trust placed in us by our members is evident from our total share accounts: 97,414. This strong and growing member base is the backbone of our credit union's success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, San Francisco is your trusted partner. Visit us at 851 Van Ness Ave San Francisco Ca 94109 or call (415) 775-5377 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investment in Your Future

With $106,511,489 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $1,055 in used auto loans and $458,044,538 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $158,498,699 in share certificates and $244,473,253 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $71,428,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $151,187,472, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,124 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,776,708 in used vehicle loans and $20,517,900 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we provide financing options tailored to your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $26,292,760 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, which is why we aim to support our local entrepreneurs with accessible financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,415,691, make buying or refinancing simple. We offer various mortgage solutions to suit different financial situations, ensuring you find what works best for you.

Refinancing Options

If you're considering refinancing any of your existing loans for better rates or terms, we're here to assist you. Our team can guide you through eligibility options and help you navigate the refinancing process smoothly. At San Francisco, we're dedicated to providing personalized service that meets your individual needs. To learn more about our loan products or to schedule an appointment, please contact us at (415) 775-5377 or visit us at 851 Van Ness Ave San Francisco Ca 94109 in San Francisco, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey begins here let us help you take the next step!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $17,754,736 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to enhance your purchasing power while keeping your payments manageable.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every comparison is made without any influence from advertising dollars. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback highlights how effective and user-friendly the service is. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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