Credit union · NCUA insured
San Francisco Federal Credit Union Savings Rates
San Francisco Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Yield Account. Rates checked October 16, 2026.
How San Francisco Federal Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where San Francisco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
San Francisco Federal Credit Union
0.10%APY
- Requires
- None
- Earns on $10,000 a year
- $10
Money Market Yield Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
San Francisco Federal Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where San Francisco Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
North Star Money Market
0.10%APY
Must open a new Checking Account with a minimum deposit of $2,500 in new money and a new Money Market Account with a minimum deposit of $20,000 in new money concurrently between June 1, 2026, and September 30, 2026. New members must open and maintain a share savings account in good standing. Reverts to standard variable APY beginning October 1, 2026.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $19,999Standard variable post-promotional rate applying to balances between $2,500 and $19,999 starting October 1, 2026. · Unknown to open | 0.10% | Unknown | $10 | Standard variable post-promotional rate applying to balances between $2,500 and $19,999 starting October 1, 2026. |
| $20,000 and upPromotional rate valid through September 30, 2026. Requires $20,000 minimum deposit in new money to the Money Market Account and $2,500 in new money to a concurrent new Checking Account. · $20,000 to open | 4.00% | $20,000 | — | Promotional rate valid through September 30, 2026. Requires $20,000 minimum deposit in new money to the Money Market Account and $2,500 in new money to a concurrent new Checking Account. |
| $20,000 and upStandard variable post-promotional rate applying to balances greater than $20,000 starting October 1, 2026. · Unknown to open | 2.50% | Unknown | — | Standard variable post-promotional rate applying to balances greater than $20,000 starting October 1, 2026. |
Sources (3)
All captured Sep 16, 2026
Money Market Yield Account
0.10%APY
Requires a minimum daily balance of $2,500. Free of charge to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.10% | $10 |
| $20,000 and up | 0.15% | — |
| $50,000 and up | 0.35% | — |
| $100,000 and up | 0.75% | — |
| $250,000 and up | 0.75% | — |
| $500,000 and up | 1.01% | — |
| $1,000,000 and up | 1.01% | — |
Sources (3)
All captured Sep 16, 2026
Regular Savings
0.02%APY
Tiered rates based on account balance. No monthly maintenance fees and no minimum deposit requirement. Daily balance method used for interest calculation; interest credited monthly. Up to six withdrawals/transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.02% | $2 |
| $2,500 and up | 0.02% | $2 |
| $20,000 and up | 0.02% | — |
| $50,000 and up | 0.03% | — |
| $80,000 and up | 0.03% | — |
Special-purpose accounts
IRA Savings
0.15%APY
Available as Traditional IRA or Roth IRA savings account. Tax-advantaged retirement savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (4)
- sanfranciscofcu.com/rates
- sanfranciscofcu.com/retirement-accounts
- sanfranciscofcu.com/savings
- sanfranciscofcu.com/consumer-banking-products
All captured Sep 16, 2026
Who can join San Francisco Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.