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First Federal S&L of San Rafael

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First Federal S&L of San Rafael Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal S&L of San Rafael provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

You can compare First Federal S&L of San Rafael rates to other rates in our database, including 12-month CD rates currently at 0.90%, 6-month CD rates at 3.75% and 3-month CD rates at 3.54%. Savings rates are at 0.10% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 7.13%. All these rates can be compared to First Federal S&L of San Rafael rates. MonitorBankRates evaluates the financial stability of First Federal S&L of San Rafael with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/05/2026.

First Federal S&L of San Rafael money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Federal S&L of San Rafael? Share your experience about First Federal S&L of San Rafael by leaving a review below, or read customer reviews before you decide to use First Federal S&L of San Rafael.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

First Federal S&L of San Rafael

998 4th St
San Rafael, CA 94901

https://www.ffsavings.com

First Federal S&L of San Rafael Checking Rates

Product	Rate	APY	View More
Performance+ Free Checking	-	3.50%
Details Qualifications Required: eStatements; at least one direct deposit each statement cycle; debit card for purchases 8 times a statement cycle; Starting Day One! Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Federal S&L of San Rafael is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Federal S&L of San Rafael rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Federal S&L of San Rafael's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Federal S&L of San Rafael

FDIC Certificate # 31406

Address 998 4th St, San Rafael, CA 94901 · Marin

Website https://www.ffsavings.com

Established 07/31/1963

FDIC Insurance Date 08/09/1989

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0030%

Return on Equity (ROE) 0.0200%

Non-Performing Loans (NPL) 0.00%

Total Assets $221,074,000

Total Deposits $175,569,000

Equity Capital $41,134,000

Net Income $-1,344,000

Headquarters San Rafael

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First Federal S&L of San Rafael

How many branches does First Federal S&L of San Rafael operate?

First Federal S&L of San Rafael currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Federal S&L of San Rafael does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal S&L of San Rafael provides members with tools to manage their accounts and build a solid financial history.

Does First Federal S&L of San Rafael offer online and mobile banking?

Most modern institutions like First Federal S&L of San Rafael provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ffsavings.com.