In the aftermath of the S&L crisis of the 1980s, many people turned a wary eye to their financial institutions. While consumers may not be tucking their life savings under the mattress as they did during the depression, most are concerned about the safety and accessibility of their deposits. They want to know who's running their financial institution. How soundly is it managed? Are their funds safe and can they access them if trouble develops?

As the shake-out continues and bank mergers create large, faceless institutions, it's becoming more difficult for consumers to select a financial institution that can still provide personal service and a full range of financial products.

Established in 1954, San Francisco Federal Credit Union (formerly San Francisco City Employees Credit Union) is a competitive financial institution. We offer a wide range of financial products and services, and you'll find our savings and loan rates are usually better than those of a bank or a savings and loan.

Originally chartered to exclusively serve the employees of the City and County of San Francisco, today we serve the entire San Francisco community. Anyone who works, resides, worships or attends school in San Francisco is eligible for membership.

San Francisco Federal Credit Union is considered among the safest financial institutions in the nation, so you can be assured that your money is safe and secure. As a member, you'll appreciate the convenient products and services we offer, and the personal customer service you won't get from banks.

At San Francisco Federal Credit Union, financial safety is our first concern. For that reason, each member's accounts are federally insured up to $100,000 by the National Credit Union Share Insurance Fund, an U.S. federal agency. IRAs are separately insured in the same amounts.

Bauer Financial, the nation's leading independent credit union research firm has consecutively rated San Francisco Federal Credit Union 5-Stars, securing our position as one of the strongest credit unions in the country. Visit www.creditunionstars.com for more information.

Membership is Ownership

San Francisco Federal Credit Union is a cooperative, owned and operated by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.

San Francisco Federal Credit Union is governed by a Board of Directors that establishes and reviews policy. The Directors are Credit Union members who are elected by the Members and serve without pay. Every member has one vote, regardless of their account balances. At the Credit Union, there is no select group of shareholders that profits more than anyone else. All Members profit; individually and collectively.

San Francisco Federal Credit Union is a $540 million financial institution. Our mission is to provide quality and fairly-priced financial services for the San Francisco Community. San Francisco Federal Credit Union is a federally-chartered credit union, organized under strict regulatory laws that are monitored and enforced by the National Credit Union Administration, an agency of the U.S. Government. The NCUA insures each member account for $100,000.

San Francisco Federal Credit Union is committed to helping the community we serve. That's why our CommunityShare program is dedicated to helping the community through employee volunteerism, donations, and fundraising. Each year, we continue to support local charities, community organization and schools. To learn more about CommunityShare, please click here.

San Francisco Federal Credit Union, a progressive cooperative financial institution, will provide its depositing and borrowing members with a variety of quality consumer financial services with a competitive edge while maintaining sound growth and earnings to assure our financial stability. We will provide a challenging and rewarding environment for our employees.