Membership
What's the benefit of joining San Francisco Federal Credit Union? We offer what big banks can't! When you open an account and become a member of San Francisco Federal Credit Union, you also become an owner of the credit union. Because we are not-for-profit, we don't have stockholders. Therefore, our business focus is not to generate the most profit, but to create the best member service and support experience.
Why Choose San Francisco Federal Credit Union?
Better Rates
Higher rates of return on savings
and lower APR on loans.
No Opening Deposits
No opening deposits and no
minimum balance required on
checking accounts.
Free Checkings
We don't charge service fees
on our checking accounts.
No fee access to ATMS
Member have access to
30,000+ ATMs nationwide.
Insured by NCUA
All deposited fund insured by
NCUA up to $250,000.
Decisions Made By You
Decisions are made by
members, not by investors.
Why Choose San Francisco Federal Credit Union?
We reinvest earned income back into the Credit Union so we can reduce costs and provide you with higher
returns on your savings and lower rates on loans.
Who Can Join
You are eligible to join San Francisco Federal Credit Union if you meet ANY of the following criteria:
- You live, work, worship or attend school in San Francisco or San Mateo counties.
- You are a relative of a current member, defined as spouses, children, sisters, brothers, grandparents, grandchildren, step-relatives and adoptive children.
If you are not eligible through the above requirements, you can establish your membership through a qualifying organization:
- MyPath*, a national nonprofit focused on paving economic pathways for low-income youth.
You may remain a member for life, even if you change jobs, relocate, or retire.
*Please note: There will be no ongoing commitment or charge to you solely as a result of the Credit Union opening your account through MyPath. Once you have completed our membership application, we will qualify you for membership in the Credit Union through MyPath. San Francisco Federal Credit Union does not warrant, endorse or guarantee any of the products or services offered by the MyPath organization. Additionally, we appreciate the trust that you place in us and recognize the importance of protecting the confidentiality of your personal information. Keeping this information secure is a top priority for us. Therefore, we will not sell, rent, or share your personally identifiable information with unaffiliated third parties. However, if you become eligible as a member in the Credit Union as a result of your participation with MyPath your contact information will be shared with MyPath.
What You'll Need to Join
- A valid California driver's license ID or passport.
- A bill with your current address.*
*Applicable bills include: Lease, PG&E, Water, Garbage, Internet/Cable, Cell Phone, Medical, or Insurance.
What We Can Help With
Buying a Car
Find the perfect auto loan to fit your needs, with rates as low as 0.99% and flexible terms. We are here to make sure you are getting the best rate and unparalleled service.
Open a Checking Account
Free checking accounts with no monthly service charge, no monthly minimum balance, and a lot of other benefits that support your lifestyle.
Buying a Home
Enjoy personal service, fast approvals and close in as little as 30 days! We'll provide you with superior quality home financing services.
Personal Loans
Receive short term financial assistance when you need it with rates you can afford, starting at 1.99% APR!
Planning for Retirement
Even if you're in your prime it's never too early to plan for long run. We can help you build your nest egg so you will be on the path toward living the good life.
Getting a Credit Card
Explore an array of credit card options - all with rates that are among the lowest in the nation! Find the one that has the unique set of benefits that the best meets your personal needs.
I have been a member of the SF Federal Credit Union since 2006, and I have
always had a great experience with this institution! Great customer service, low
interest rates on loans and credit cards, easy banking online in person.
Nothing but positive thing to say — I love it.
Holly Pearson
