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San Francisco Federal Credit Union

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San Francisco Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at San Francisco Federal Credit Union?

Current rates for San Francisco Federal Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.50%, 24-Month CD: 1.80%, 60-Month CD: 3.00%, Savings: 0.15%, MMA: 1.00%

Q: What CD terms does San Francisco Federal Credit Union offer?

San Francisco Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 1.50% APY for an 18 month CD, 1.80% APY for a 2 year CD, 2.00% APY for a 30 month CD, 2.60% APY for a 3 year CD, 2.75% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with San Francisco Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

San Francisco Federal Credit Union's 60 Month CD rates are at 3.00%, 48 Month CD rates are at 2.75%, 36 Month CD rates are at 2.60%, 30 Month CD rates are at 2.00%, 24 Month CD rates are at 1.80%. San Francisco Federal Credit Union's savings rates are at 0.15%. San Francisco Federal Credit Union's money market rates are at 1.00%. San Francisco Federal Credit Union's First Mortgages - Jumbo Loans - 10/1 Adjustable Rate Mortgage rates are at 6.00%, Conforming First Mortgage - 10/1 Adjustable Rate Mortgage rates are at 6.25%, Conforming First Mortgage - 15 Year Fixed Rate rates are at 6.50%, First Mortgages - Jumbo Loans - 7/1 Adjustable Rate Mortgage rates are at 6.00%, First Mortgages - Jumbo Loans - 5/1 Adjustable Rate Mortgage rates are at 5.88%. San Francisco Federal Credit Union's Personal Loan Rates are as low as 7.99%. San Francisco Federal Credit Union's Credit Card Rates are at 7.45%. San Francisco Federal Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of San Francisco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.53%. Rates last updated and verified on 10/29/2026.

San Francisco Federal Credit Union 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 San Francisco Federal Credit Union? Share your experience about San Francisco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use San Francisco Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.53%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

San Francisco Federal Credit Union
Golden Gate Avenue

770 Golden Gate Ave
San Francisco, CA 94102-3120

https://www.sanfranciscofcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

San Francisco Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	2.96%	3.00%	60 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
48 Month Certificate	2.716%	2.75%	48 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
36 Month Certificate	2.57%	2.60%	36 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
30 Month Certificate	1.982%	2.00%	30 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
24 Month Certificate	1.785%	1.80%	24 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
12 Month Certificate	1.49%	1.50%	12 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
18 Month Certificate	1.49%	1.50%	18 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
6 Month Certificate	1.193%	1.20%	6 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
3 Month Certificate	0.995%	1.00%	3 Months
Min Balance $1,000 Details Minimum balance for Certificates is $1,000; Last Updated: 01/05/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	-	0.15%
Details Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Regular Savings	-	0.025%
Min Balance $50,000 Details Balance: $50,000 (min); Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Regular Savings	-	0.025%
Min Balance $80,000 Details Balance: $80,000 (min); Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Regular Savings	-	0.015%
Min Balance $100 Details Balance: $100 (min); Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Regular Savings	-	0.015%
Min Balance $2,500 Details Balance: $2,500 (min); Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Regular Savings	-	0.015%
Min Balance $20,000 Details Balance: $20,000 (min); Last Updated: 02/01/2024 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Yield Account	-	1.005%
Min Balance $500,000 Details Balance: $500,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	1.005%
Min Balance $1,000,000 Details Balance: $1,000,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	0.753%
Min Balance $100,000 Details Balance: $100,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	0.753%
Min Balance $250,000 Details Balance: $250,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	0.351%
Min Balance $50,000 Details Balance: $50,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	0.15%
Min Balance $20,000 Details Balance: $20,000 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Money Market Yield Account	-	0.10%
Min Balance $2,500 Details Balance: $2,500 (min); Last Updated: 11/01/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgages - Jumbo Loans - 10/1 Adjustable Rate Mortgage	6.00%	0.000%	6.492%
Details Jumbo Loans; Interest Rate 6.000%; APR 6.492% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.66% → 6.49% ▼ 0.16 pts · high 6.66% / low 6.49% Oct 29, 20266.49%▼ from 6.66% Oct 13, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Conforming First Mortgage - 10/1 Adjustable Rate Mortgage	6.25%	0.000	6.656%
Details Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Conforming First Mortgage - 15 Year Fixed Rate	6.50%	0.000	6.667%	15 years
Details Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.67% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
First Mortgages - Jumbo Loans - 7/1 Adjustable Rate Mortgage	6.00%	0.000%	6.668%
Details Jumbo Loans; Interest Rate 6.000%; APR 6.668% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.73% → 6.67% ▼ 0.06 pts · high 6.73% / low 6.67% Oct 29, 20266.67%▼ from 6.73% Oct 13, 20266.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
First Mortgages - Jumbo Loans - 5/1 Adjustable Rate Mortgage	5.875%	0.000%	6.768%
Details Jumbo Loans; Interest Rate 5.875%; APR 6.768% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.82% → 6.77% ▼ 0.05 pts · high 6.82% / low 6.77% Oct 29, 20266.77%▼ from 6.82% Oct 13, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Conforming First Mortgage - 7/1 Adjustable Rate Mortgage	6.25%	0.000	6.797%
Details Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Conforming First Mortgage - 5/1 Adjustable Rate Mortgage	6.125%	0.000	6.868%
Details Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
10/1 Interest-Only Adjustable Rate Mortgage	6.50%	0.000%	6.874%
Details First Mortgages - Interest Only Adjustable-Rate Mortgage; ARM index: weekly average of 1-year US Treasury; rate change caps 2% annually and 6% lifetime Last Updated 10/29/2026 Rate History 9 changes since Sep 14, 2026 · 6.72% → 6.87% ▲ 0.16 pts · high 7.09% / low 6.72% Oct 23, 20266.87%▼ from 7.02% Oct 13, 20267.02%▼ from 7.09% Oct 9, 20267.09%▲ from 7.02% Oct 5, 20267.02%▼ from 7.09% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
7/1 Interest-Only Adjustable Rate Mortgage	6.50%	0.000%	6.969%
Details First Mortgages - Interest Only Adjustable-Rate Mortgage; ARM index: weekly average of 1-year US Treasury; rate change caps 2% annually and 6% lifetime Last Updated 10/29/2026 Rate History 9 changes since Sep 14, 2026 · 6.71% → 6.97% ▲ 0.26 pts · high 7.09% / low 6.71% Oct 29, 20266.97%▲ from 6.91% Oct 23, 20266.91%▼ from 7.03% Oct 13, 20267.03%▼ from 7.09% Oct 9, 20267.09%▲ from 7.03% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
5/1 Interest-Only Adjustable Rate Mortgage	6.375%	0.000%	6.998%
Details First Mortgages - Interest Only Adjustable-Rate Mortgage; ARM index: weekly average of 1-year US Treasury; rate change caps 2% annually and 6% lifetime Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 6.72% → 7.00% ▲ 0.28 pts · high 7.09% / low 6.72% Oct 23, 20267.00%▼ from 7.05% Oct 13, 20267.05%▼ from 7.09% Oct 2, 20267.09%▲ from 7.06% Sep 29, 20267.06%▲ from 6.97% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
First Mortgages - Jumbo Loans - 15 Year Fixed Rate	6.875%	0.000%	7.049%
Details Jumbo Loans; Interest Rate 6.875%; APR 7.049% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.30% → 7.05% ▼ 0.25 pts · high 7.30% / low 7.05% Oct 29, 20267.05%▼ from 7.30% Oct 13, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Conforming First Mortgage - 30 Year Fixed Rate	7.375%	0.000	7.461%	30 years
Details Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.46% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
First Mortgages - Jumbo Loans - 30 Year Fixed Rate	7.625%	0.000%	7.714%
Details Jumbo Loans; Interest Rate 7.625%; APR 7.714% Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.09% → 7.71% ▼ 0.38 pts · high 8.09% / low 7.71% Oct 29, 20267.71%▼ from 8.09% Oct 13, 20268.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOC 10/20	7.00%	0.000	7.00%
Details Home Equity; HELOC rates are variable and based on WSJ Prime plus a margin Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
10 Year Home Equity Loan	8.00%	0.000	8.00%
Details Home Equity Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto - 2026 or Newer with Less than 5K Miles	-	-	4.74%	1-12 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24% Oct 5, 20264.74%▲ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Auto - 2026 or Newer with Less than 5K Miles	-	-	5.45%	13-36 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.95% → 5.45% ▲ 0.50 pts · high 5.45% / low 4.95% Oct 5, 20265.45%▲ from 4.95% Sep 14, 20264.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Auto - 2026 or Newer with Less than 5K Miles	-	-	5.50%	37-48 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Oct 5, 20265.50%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Auto - 2026 or Newer with Less than 5K Miles	-	-	5.55%	49-60 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.05% → 5.55% ▲ 0.50 pts · high 5.55% / low 5.05% Oct 5, 20265.55%▲ from 5.05% Sep 14, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Auto - 2026 or Newer with Less than 5K Miles	-	-	5.63%	61-72 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.13% → 5.63% ▲ 0.50 pts · high 5.63% / low 5.13% Oct 5, 20265.63%▲ from 5.13% Sep 14, 20265.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Auto - 2026 or Newer with Less than 5K Miles	-	-	5.70%	73-84 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.20% → 5.70% ▲ 0.50 pts · high 5.70% / low 5.20% Oct 5, 20265.70%▲ from 5.20% Sep 14, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	5.85%	1-12 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	5.95%	13-36 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	6.00%	37-48 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	6.05%	49-60 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	6.12%	61-72 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.12% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Auto Loan	-	-	6.20%	73-84 Months
Details As Low As; Used Auto - 2014 or Newer with Less than 100K Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	7.85%	1-12 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 7.35% → 7.85% ▲ 0.50 pts · high 7.85% / low 7.35% Oct 13, 20267.85%▲ from 7.35% Sep 17, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	8.95%	13-36 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.45% → 8.95% ▲ 0.50 pts · high 8.95% / low 8.45% Oct 13, 20268.95%▲ from 8.45% Sep 17, 20268.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	9.00%	37-48 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.50% → 9.00% ▲ 0.50 pts · high 9.00% / low 8.50% Oct 13, 20269.00%▲ from 8.50% Sep 17, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	9.05%	49-60 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.55% → 9.05% ▲ 0.50 pts · high 9.05% / low 8.55% Oct 13, 20269.05%▲ from 8.55% Sep 17, 20268.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	9.15%	61-72 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.65% → 9.15% ▲ 0.50 pts · high 9.15% / low 8.65% Oct 13, 20269.15%▲ from 8.65% Sep 17, 20268.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Classic Cars - 2013 and Older with Less than 100K Miles Loan	-	-	9.25%	73-84 Months
Details As Low As; Financing available only on vehicles with 100,000 miles or less; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.75% → 9.25% ▲ 0.50 pts · high 9.25% / low 8.75% Oct 13, 20269.25%▲ from 8.75% Sep 17, 20268.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV & Boat Loan - 1-36 Months	-	6.09%	1-36 months
Details As Low As; Vehicle: 2026 or Newer with Less than 5K Miles Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New RV & Boat Loan - 37-48 Months	-	6.34%	37-48 months
Details As Low As; Vehicle: 2026 or Newer with Less than 5K Miles Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used RV & Boat Loan	-	6.35%	1-36 Months
Details As Low As; 2014 or Newer with Less than 50k Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New RV & Boat Loan - 49-60 Months	-	6.59%	49-60 months
Details As Low As; Vehicle: 2026 or Newer with Less than 5K Miles Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used RV & Boat Loan	-	6.59%	3748 Months
Details As Low As; 2014 or Newer with Less than 50k Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New RV & Boat Loan - 61-72 Months	-	6.84%	61-72 months
Details As Low As; Vehicle: 2026 or Newer with Less than 5K Miles Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used RV & Boat Loan	-	6.84%	4960 Months
Details As Low As; 2014 or Newer with Less than 50k Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used RV & Boat Loan	-	7.09%	6172 Months
Details As Low As; 2014 or Newer with Less than 50k Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Motorcycle & ATV - 2026 or Newer with Less than 5K Miles Loan	-	7.15%	136 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.15% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Motorcycle & ATV - 2026 or Newer with Less than 5K Miles Loan	-	7.40%	3748 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Motorcycle & ATV - 2014 or Newer with Less than 50K Miles Loan	-	7.49%	136 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Motorcycle & ATV - 2026 or Newer with Less than 5K Miles Loan	-	7.65%	4960 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New Motorcycle & ATV - 2026 or Newer with Less than 5K Miles Loan	-	7.79%	6172 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
New RV & Boat Loan - 73-84 Months	-	7.84%	73-84 months
Details As Low As; Vehicle: 2026 or Newer with Less than 5K Miles Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used RV & Boat Loan	-	8.09%	7384 Months
Details As Low As; 2014 or Newer with Less than 50k Miles; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Motorcycle & ATV - 2014 or Newer with Less than 50K Miles Loan	-	8.49%	3748 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Motorcycle & ATV - 2014 or Newer with Less than 50K Miles Loan	-	9.09%	4960 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Used Motorcycle & ATV - 2014 or Newer with Less than 50K Miles Loan	-	9.59%	6172 Months
Details As Low As; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	7.45%
Details As Low As; APR range 7.45% to 17.99%; Credit Cards > Visa Products; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.70% → 7.45% ▲ 0.75 pts · high 7.45% / low 6.70% Oct 5, 20267.45%▲ from 6.70% Sep 14, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Student Visa	-	11.49%
Details As Low As; Credit Cards > Visa Products; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24% Oct 5, 202611.49%▲ from 11.24% Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Visa Secured	-	13.74%
Details As Low As; Shared Secured Products; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 5, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

San Francisco Federal Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan - 1-12 Months	7.99%	1-12 months
Details As Low As; APR range 7.99% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Signature Line of Credit	10.75%
Details As Low As; APR range 10.75% to 17.99%; Credit Cards > Visa Products; Last Updated: 10/01/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 5, 202610.75%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 13-24 Months	12.30%	13-24 months
Details As Low As; APR range 12.30% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 25-36 Months	12.35%	25-36 months
Details As Low As; APR range 12.35% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 37-48 Months	12.40%	37-48 months
Details As Low As; APR range 12.40% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 49-60 Months	12.45%	49-60 months
Details As Low As; APR range 12.45% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 12.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 61-72 Months	14.45%	61-72 months
Details As Low As; APR range 14.45% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 14.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%
Debt Consolidation Loan - 73-84 Months	16.44%	73-84 months
Details As Low As; APR range 16.44% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 16.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.53%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

San Francisco Federal Credit Union’s Texas Ratio fell from 1.52% in Q3 2023 to 0.53% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	0.53%	5.0	A+
March 31, 2026	$1.6B	0.59%	5.0	A+
December 31, 2025	$1.4B	0.64%	5.0	A+
September 30, 2025	$1.4B	0.99%	5.0	A+
June 30, 2025	$1.4B	0.84%	5.0	A+
March 31, 2025	$1.3B	0.63%	5.0	A+
December 31, 2024	$1.3B	0.90%	5.0	A+
September 30, 2024	$1.3B	0.93%	5.0	A+
June 30, 2024	$1.3B	2.26%	5.0	A+
March 31, 2024	$1.5B	2.73%	5.0	A+
December 31, 2023	$1.5B	2.62%	5.0	A+
September 30, 2023	$1.5B	1.52%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for San Francisco Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather San Francisco Federal Credit Union 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 San Francisco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name San Francisco Federal Credit Union

Website https://www.sanfranciscofcu.com

Address 770 Golden Gate Ave, San Francisco, CA 94102-3120

Phone 415-775-5377

Fax 415-775-0715

President David Huebner

CEO Ray Shams

Full-Time Employees 119

Part-Time Employees 12

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.53%

Return on Assets (ROA)

0.5623%

Return on Equity (ROE)

4.2321%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

1,627,949,494

Total Amount of Shares and Deposits

1,196,053,647

Total Shares and Deposits < 1 Year

915,306,771

Total Shares and Deposits 1 3 Years

234,905,958

Total Shares and Deposits > 3 Years

45,840,918

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

101,322,141

Total Uninsured Shares and Deposits > $250K (F+J)

188,248,423

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,007,805,224

Total Interest Expense (Sum of items 6 8)

12,481,928

Share Certificates

3,345

Number of Accounts for Share Drafts

32,846

IRA KEOGH Accounts

2,122

Number of Accounts for Regular Shares

57,527

All other shares

1,573

Non Member Deposits

Money Market Shares

2,869

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

90,509,406

Total Liabilities

1,464,191,414

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

San Francisco Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About San Francisco Federal Credit Union

Does San Francisco Federal Credit Union offer CDs?

Yes. San Francisco Federal Credit Union current CD rates include its 60 Month CD at 3.00% APY, its 48 Month CD at 2.75% APY and its 36 Month CD at 2.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from San Francisco Federal Credit Union NCUA insured?

Yes. San Francisco Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at San Francisco Federal Credit Union?

The highest San Francisco Federal Credit Union CD rate is its 60 Month CD at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does San Francisco Federal Credit Union offer?

San Francisco Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 1.50% APY for an 18 month CD, 1.80% APY for a 2 year CD, 2.00% APY for a 30 month CD, 2.60% APY for a 3 year CD, 2.75% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with San Francisco Federal Credit Union for its full lineup.

What is the highest savings rate at San Francisco Federal Credit Union?

The highest San Francisco Federal Credit Union savings rate is its IRA Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at San Francisco Federal Credit Union?

The highest San Francisco Federal Credit Union money market rate is its Money Market Yield Account at 1.005% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at San Francisco Federal Credit Union?

The lowest San Francisco Federal Credit Union 30 year fixed mortgage rate is its Conforming First Mortgage - 30 Year Fixed Rate at 7.375%, verified by MonitorBankRates as of October 29, 2026. San Francisco Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at San Francisco Federal Credit Union?

The lowest San Francisco Federal Credit Union auto loan rate is its New Auto - 2026 or Newer with Less than 5K Miles at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at San Francisco Federal Credit Union?

The lowest San Francisco Federal Credit Union personal loan rate is its Signature Line of Credit at 10.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at San Francisco Federal Credit Union?

The lowest San Francisco Federal Credit Union credit card APR is its VISA Platinum Credit Card at 7.45% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does San Francisco Federal Credit Union operate?

San Francisco Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join San Francisco Federal Credit Union?

Yes, to access services at San Francisco Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, San Francisco Federal Credit Union 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, San Francisco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does San Francisco Federal Credit Union offer online and mobile banking?

Most modern institutions like San Francisco Federal Credit Union 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.sanfranciscofcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do San Francisco Federal Credit Union rates compare?

San Francisco Federal Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A+ health rating. San Francisco Federal Credit Union's top rates are its 60 Month CD at 3.00% APY, its IRA Savings at 0.15% APY, its Money Market Yield Account at 1.005% APY, its First Mortgages - Jumbo Loans - 5/1 Adjustable Rate Mortgage at 5.875%, its Debt Consolidation Loan - 1-12 Months at 7.99% APR and its VISA Platinum Credit Card at 7.45% APR, verified by MonitorBankRates on October 29, 2026.

Current San Francisco Federal Credit Union Rates

12-Month CD1.50%
18-Month CD1.50%
24-Month CD1.80%
60-Month CD3.00%
Savings0.15%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

San Francisco Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

San Francisco Federal Credit Union Texas Ratio

San Francisco Federal Credit Union Health Trend

San Francisco Federal Credit Union CD Rates

San Francisco Federal Credit Union Savings Rates

San Francisco Federal Credit Union Money Market Rates

San Francisco Federal Credit Union Mortgage Rates

San Francisco Federal Credit Union Home Equity & HELOC

San Francisco Federal Credit Union Auto Loan Rates

San Francisco Federal Credit Union RV, Boat and Powersport Loan Rates

San Francisco Federal Credit Union Credit Card Rates

San Francisco Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

San Francisco Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About San Francisco Federal Credit Union

Does San Francisco Federal Credit Union offer CDs?

Are CDs from San Francisco Federal Credit Union NCUA insured?

What is the highest CD rate at San Francisco Federal Credit Union?

What CD terms does San Francisco Federal Credit Union offer?

What is the highest savings rate at San Francisco Federal Credit Union?

What is the highest money market rate at San Francisco Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at San Francisco Federal Credit Union?

What is the lowest auto loan rate at San Francisco Federal Credit Union?

What is the lowest personal loan rate at San Francisco Federal Credit Union?

What is the lowest credit card APR at San Francisco Federal Credit Union?

How many branches does San Francisco Federal Credit Union operate?

Is a member application needed to join San Francisco Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does San Francisco Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do San Francisco Federal Credit Union rates compare?

Current San Francisco Federal Credit Union Rates

Compare to Other Credit Unions