Credit union · NCUA insured
San Francisco Federal Credit Union
A $1.6B credit union, the 311th largest of 4,329, headquartered in San Francisco, CA, with 51,908 members and 7 branches in California. Best rates: CDs 3.00% and savings 0.10% APY.
San Francisco Federal Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#40 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About San Francisco Federal Credit Union
Founded in 1954, San Francisco Federal Credit Union was established to support city employees with affordable loans and safe savings.
Headquartered in San Francisco, California, it operates as a not-for-profit, member-owned financial institution.
Serving the Bay Area, the credit union expanded its community presence through a merger with MyCU.
- Headquarters
- 770 Golden Gate Ave, San Francisco, CA 94102-3120
- NCUA charter
- 24542
Branches
7 branches in California
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California
7 branches
- Burlingame Branch1811 El Camino Real, Burlingame, CA 94010Directions
- Redwood City Branch510 Veterans Blvd Ste B, Redwood City, CA 94063Directions
- Excelsior Branch4800 Mission St, San Francisco, CA 94112Directions
- Golden Gate Branch770 Golden Gate Ave, San Francisco, CA 94102Directions
- Lakeside Village Branch2645 Ocean Ave Lbby 1, San Francisco, CA 94132Directions
- Richmond Branch4375 Geary Blvd, San Francisco, CA 94118Directions
- Van Ness Branch851 Van Ness Ave, San Francisco, CA 94109Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.63% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.19% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalNet worth ratio13.63%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 San Francisco Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.