Credit union · NCUA insured
F3 Credit Union
Top CarrotA $239.4M credit union headquartered in San Jose, CA, with 12,873 members and 4 branches in California. Best rates: savings 0.10% APY.
F3 Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#10 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About F3 Credit Union
F3 Credit Union is a financial institution headquartered in San Jose that serves Santa Clara County with banking and lending services.
The member-owned cooperative has been serving postal and government employees in the Bay Area since 1931.
- Headquarters
- 1040 Leigh Ave, San Jose, CA 95126
- NCUA charter
- 64835
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Santa Clara County are eligible to join.
Employers and groups
- Employees, contract employees, and legal counsel of the credit union are eligible to join.
Military, government and schools
- Civil Service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco counties are eligible to join.
- Employees, retirees, and contract employees of the U.S. Postal Service in 13 Northern California counties are eligible to join.
Cost to join
- A $1 savings deposit is required upon joining.
- There is a $1 membership fee to join.
Branches
4 branches in California
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California
4 branches
San Jose area · 2
- Main OfficeMain office1040 Leigh Ave, San Jose, CA 95126Directions
- North San Jose Branch1750 Lundy Ave, San Jose, CA 95101Directions
San Francisco area · 2
- Oakland Branch480 Roland Way, Ste 102, Oakland, CA 94621Directions
- San Francisco Branch175 Mendell St, San Francisco, CA 94124Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.47% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio18.47%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of F3 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.