Credit union · Privately insured
SF Fire Credit Union
Top CarrotA $1.6B credit union, the 308th largest of 4,329, headquartered in San Francisco, CA, with 72,998 members and 3 branches in California. Best rates: CDs 4.25% and savings 4.35% APY.
SF Fire Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#18 of 71 in San Francisco, CA metroHow the score works →
Deposits are privately insured, not by the federal government.
About SF Fire Credit Union
Founded in 1951 and headquartered in San Francisco, California, SF Fire Credit Union is a member-owned, not-for-profit cooperative financial institution.
Originally established by firefighters for firefighters, the credit union is dedicated to building financial success and security in its community.
- Headquarters
- 3201 California St, San Francisco, CA 94118-1903
- NCUA charter
- 97069
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the credit union by becoming a member of the Community Impact Fund (CIF) at no cost.
Where you live or work
- Individuals who live, work, or attend school in San Francisco, San Mateo, or Marin County are eligible for membership.
Employers and groups
- Active members of the California State Firefighters’ Association are eligible for membership.
Military, government and schools
- Active or retired firefighters in San Francisco, San Mateo, or Marin County, as well as members and employees of Local IAFF 1171, Santa Clara Firefighters, are eligible for membership.
Family and household
- Family of SF Fire Credit Union members are eligible to join.
Branches
3 branches in California
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California
3 branches
- Main BranchMain office3201 California St, San Francisco, CA 94118Directions
- Noe Valley Branch3908 24th St, San Francisco, CA 94114Directions
- Stonestown Branch565 Buckingham Way, San Francisco, CA 94132Directions
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 | 10.72% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.78% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio10.72%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ 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 SF Fire Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.