Credit union · Privately insured
SF Fire Credit Union Carrot Score
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.
SF Fire Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
- CDs88
- Savings86
- Auto loans87
- Credit cards77
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where SF Fire Credit Union ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
88top 19% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.50% | 50% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.80% | 58% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.90% | 76% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 4.25% | 94% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.25% | 83% | 3.85% | 4.15% | 4.35% |
Best rates 85.0 · all terms 71.6 → 79.6 → 88
Savings
86top 25% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 4.35%counts as 1.10% | 86% | 0.20% | 0.50% | 1.51% |
| $10,000 | 4.35%counts as 1.10% | 74% | 0.50% | 1.15% | 2.20% |
| $100,000 | 4.35%counts as 1.13% | 54% | 1.00% | 2.01% | 2.93% |
| Qualified | 4.35%counts as 1.10% | 69% | 0.60% | 1.31% | 2.43% |
Best rates 71.8 · all balances 71.7 → 71.8 → 86
Auto loans
87top 21% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.63% | 78% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 4.75% | 80% | 5.39% | 4.99% | 4.49% |
Best rates 80.5 · all vehicles 79.3 → 80.0 → 87
Credit cards
77beats 43% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 11.00% | 44% | 10.90% | 9.90% | 8.90% |
Best rates 43.7 · all rates 43.7 → 43.7 → 77
Where the score could improve
- CDs, 9-15 months4.00%3.80% today, higher than 58% of U.S. institutions. 4.00% would reach the top quarter; 4.25% the top 10%.
- CDs, 3-8 months3.82%3.50% today, higher than 50% of U.S. institutions. 3.82% would reach the top quarter; 4.05% the top 10%.
- Credit cards, Purchase APR9.90%11.00% today, lower than 44% of U.S. institutions. 9.90% would reach the top quarter; 8.90% the top 10%.
- To score in the 90sIts savings already have a rate near the best in the country (4.35% at $10,000); its other savings rates need to rank near the top too, so the weaker ones above matter most.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How SF Fire Credit Union got its score
Its products stand at 80.0 for auto loans, 79.6 for CDs, 71.8 for savings and 43.7 for credit cards, out of 100. Its best two, auto loans and CDs, average 79.8. Publishing four products adds 3.0, for 82.8. That puts it in the top 18% nationally: a Carrot Score of 88, a Top Carrot.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.