Bank · FDIC insured
First Federal of San Rafael
A $222.1M bank headquartered in San Rafael, CA, with 4 branches in California. Best rates: savings 0.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings700.48%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Federal of San Rafael
Established in 1963 by Harold Elberg to fund the restoration of Victorian homes, First Federal of San Rafael operates as California's last mutual institution.
Specializing in multi-residential and commercial real estate loans, the traditional savings and loan moved its headquarters to San Rafael in 2022 and maintains three other Bay Area branch locations.
- Headquarters
- 998 4th St, San Rafael, CA 94901
- FDIC certificate
- 31406 ↗
Branches
4 branches in California
Loading map…
California
4 branches
- First Federal Savings and Loan Association of San RafaelMain office998 4th St, San Rafael, CA 94901Directions
- 2009 Sir Francis Drake Boulvard Bran2009 Sir Francis Drake Blvd, Fairfax, CA 94930Directions
- 6058 College Avenue Branch6058 College Ave, Oakland, CA 94618Directions
- 2521 San Bruno Avenue Branch2521 San Bruno Ave, San Francisco, CA 94134Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 18.75% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $109 | $81 | — |
- CapitalLeverage ratio18.75%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$109Peers’ middle $81
Compared with the 2,650 banks 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 noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Federal of San Rafael are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.