Start here. Grow here.
The door is open. Membership takes minutes. The relationship lasts a lifetime.
WHY JOIN?
Redefining banking.
At San Francisco Federal, you don’t have to choose between financial capability and personal service. We offer the full range of products and services you would expect from a large bank, with the care, accountability, and human focus of a member-owned credit union.
Here is what your membership includes.
Banking on Your Terms
Access to more than 30,000 fee-free ATMs, 5,500+ co-op branches, online banking and mobile app.
Lower Rates, Fewer Fees
Lower loan rates, the lowest credit card rates, free checking, and competitive savings yields.
All Under One Roof
Mortgage, auto, home equity, personal loans, credit cards, private banking and wealth management, all in one place.
Membership Perks
Exclusive discounts at Costco, TurboTax, California Academy of Sciences Hertz and more. Plus no-cost AD&D insurance policy through TruStage.
Rooted Here, For the Long Term
Over 70 years of stability, providing members with the right guidance. We are your financial partner for life, not a perk that expires.
HOW TO JOIN
At San Francisco Federal, the door is always open. Applying for membership is as easy as 1–2–3.
STEP 1
Tell us about yourself.
Complete the eligibility application online or in a branch. It takes just a few minutes.
STEP 2
We confirm your eligibility.
If your employer is already a partner, you are in. If not, no problem. We have many ways to join. Please check out the "Who is eligible" section below.
STEP 3
Open your account.
Your financial journey starts here, and wherever it takes you, we will be right there with you
NCUA insured up to $250,000, the same level of protection as any major bank
Rated 5 stars by BauerFinancial
Recognized by Newsweek as one of America's best credit unions
ELIGIBILITY
Who is Eligible?
If your employer isn’t already a partner, no problem: you can enroll through a partner organization so you can join today; no employer action required. Our door is always open.
- Municipal Government and all agencies located in San Francisco
- County Government and all agencies located in San Francisco
- San Francsico Unified School District who work in San Francisco
- San Francisco Community College District who work in San Francisco
- San Francisco Ballet Association
- San Francisco Opera
- San Francisco Port Authority
- San Francisco Port Commission
- San Francisco Symphony Association
- Employee or student attending San Francisco State University in San Francisco
- Employee, board member, or contracted associate of San Francisco Federal
- Volunteer in the city and/or county of San Francisco
- Immediate family member, spouse, or I reside in the same household as a San Francisco Federal Member
- Financial Fitness Association
- Vera Society Association
FAQs
Have questions? We have answers.
No. You no longer need to live or work in San Francisco to join.
Yes. Anyone who shares a household with a current San Francisco Federal member is eligible.
Yes. People who volunteer in the city and/or county of San Francisco qualify for membership.
Please check the eligibly section above. If you are still unsure, please come into a branch or call us at 415-775-5377.
Nothing changes. Once a member, always a member. Your account stays open and active no matter where your career takes you.
Banks are owned by outside investors, who profit when you pay fees and interest. Credit unions are owned by members. Every dollar of profit comes back to you in the form of better rates and fewer fees.
Absolutely. Deposits are federally insured up to $250,000 by the NCUA, the same level of protection offered by the FDIC and any major bank.
Start here. Grow here.
Join the credit union that is rooted in your neighborhood and focused on your future.