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San Francisco Fire Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 30, 2026
San Francisco Fire Credit Union's 7-Month Tiered CD rates are at 4.00%. San Francisco Fire Credit Union's savings rates are at 0.05%. San Francisco Fire Credit Union's money market rates are at 4.35%. San Francisco Fire Credit Union's Conforming Home Loan - 10 Year Fixed rates are at 6.12%, Conforming Home Loan - 15 Year Fixed rates are at 6.25%, Conforming Adjustable Rate Mortgage - 7/1 ARM rates are at 6.00%, Conforming Adjustable Rate Mortgage - 5/1 ARM rates are at 5.88%, Conforming Adjustable Rate Mortgage - 10/1 ARM rates are at 6.25%. San Francisco Fire Credit Union's Personal Loan Rates are as low as 8.49%. San Francisco Fire Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of San Francisco Fire Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/30/2026.
San Francisco Fire 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 Fire Credit Union? Share your experience about San Francisco Fire Credit Union by leaving a review below, or read customer reviews before you decide to use San Francisco Fire Credit Union.
San Francisco Fire Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
San Francisco Fire Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.32%
ExcellentLower than avg
San Francisco Fire Credit Union Texas Ratio
San Francisco Fire Credit Union's Texas Ratio is 3.32%, which is considered excellent and is lower than the national average of 6.13%.
San Francisco Fire Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.13% to 3.32% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Fire Credit Union CD Rates
Product
Rate
APY
Term
View More
7-Month Tiered Certificate
-
4.00%
7 months
Min Deposit$250
Min Balance$3,000
DetailsBalance: $3,000.01 and over; Introductory promotional period (first 90 days); Promotional rate valid for new deposits only with funds not currently held at SF Fire Credit Union; Anniversary term certificate
Last Updated10/30/2026
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
7-Month Tiered Certificate
-
4.00%
7 months
Min Deposit$250
Min Balance$0
DetailsBalance: full balance; Remaining term (day 91 to maturity) until date of maturity; Certificate converts to a one-year term certificate at maturity at the prevailing rate
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Savings Rates
Product
Rate
APY
View More
Educational Savings
0.05%
0.05%
Min Deposit$0
Min Balance$0
DetailsRates effective as of 2/9/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Health Savings Account
0.05%
0.05%
Min Deposit$0
Min Balance$0
DetailsRates effective as of 2/9/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
IRA Savings
0.05%
0.05%
Min Deposit$0
Min Balance$0
DetailsRates effective as of 2/9/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Tiered Savings
0.05%
0.05%
Min Balance$100,000
DetailsBalance tier: from $100,000
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Tiered Savings
0.03%
0.03%
Min Balance$50,000
DetailsBalance tier: from $50,000
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Holiday Savings
0.02%
0.02%
Min Deposit$0
Min Balance$0
DetailsDividends credited at distribution on November 1st; Rates effective as of 2/9/2026
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Tiered Savings
0.02%
0.02%
Min Balance$0
DetailsBalance tier: from $0
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Tiered Savings
0.02%
0.02%
Min Balance$10,000
DetailsBalance tier: from $10,000
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 0.02% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
-
4.35%
DetailsPromotional rate on new money deposits; From October 1 through December 31, 2026; No monthly fees
Last Updated10/30/2026
Rate History
1 change since Sep 14, 2026 · 2.00% → 4.35% ▲ 2.35 pts · high 4.35% / low 2.00%
Oct 10, 20264.35%▲ from 2.00%
Sep 14, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Conforming Home Loan - 10 Year Fixed
6.125%
1
6.455%
10 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.46% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 15 Year Fixed
6.25%
1
6.484%
15 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.48% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 10 Year Fixed
6.375%
0
6.485%
10 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Adjustable Rate Mortgage - 7/1 ARM
6.00%
0
6.554%
DetailsAPR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.55% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 15 Year Fixed
6.50%
0
6.578%
15 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.58% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Adjustable Rate Mortgage - 5/1 ARM
5.875%
0
6.592%
DetailsAPR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.59% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Adjustable Rate Mortgage - 10/1 ARM
6.25%
0
6.614%
DetailsAPR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.61% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 7/1 ARM
6.00%
0
6.671%
DetailsAPR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.67% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 20 Year Fixed
6.50%
1
6.689%
20 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.82% → 6.69% ▼ 0.13 pts · high 6.82% / low 6.69%
Oct 26, 20266.69%▼ from 6.82%
Oct 19, 20266.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 10/1 ARM
6.25%
0
6.695%
DetailsAPR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.70% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Jumbo Adjustable Rate Mortgage - 5/1 ARM
5.875%
0
6.738%
DetailsAPR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Last Updated10/30/2026
Rate History
No change since Sep 27, 2026 · 6.74% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 20 Year Fixed
6.75%
0
6.813%
20 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 6.94% → 6.81% ▼ 0.13 pts · high 6.94% / low 6.81%
Oct 26, 20266.81%▼ from 6.94%
Oct 19, 20266.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Jumbo Fixed - 30 Year
6.75%
1
6.896%
30 Year
DetailsAnnual Percentage Rate reflects FICO Score of 700 or higher; owner-occupied primary residence, single-family, California, loan-to-value 60% or less, no cash-out
Last Updated10/30/2026
Rate History
3 changes since Sep 14, 2026 · 6.52% → 6.90% ▲ 0.38 pts · high 7.02% / low 6.52%
Oct 19, 20266.90%▼ from 7.02%
Oct 10, 20267.02%▲ from 6.64%
Sep 18, 20266.64%▲ from 6.52%
Sep 14, 20266.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 30 Year Fixed
6.875%
1
7.022%
30 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.15% → 7.02% ▼ 0.13 pts · high 7.15% / low 7.02%
Oct 26, 20267.02%▼ from 7.15%
Oct 19, 20267.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Jumbo Fixed - 30 Year
7.00%
0
7.049%
30 Year
DetailsAnnual Percentage Rate reflects FICO Score of 700 or higher; owner-occupied primary residence, single-family, California, loan-to-value 60% or less, no cash-out
Last Updated10/30/2026
Rate History
3 changes since Sep 14, 2026 · 6.67% → 7.05% ▲ 0.38 pts · high 7.18% / low 6.67%
Oct 19, 20267.05%▼ from 7.18%
Oct 10, 20267.18%▲ from 6.80%
Sep 18, 20266.80%▲ from 6.67%
Sep 14, 20266.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Conforming Home Loan - 30 Year Fixed
7.125%
0
7.174%
30 Year
DetailsFixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 19, 2026 · 7.30% → 7.17% ▼ 0.13 pts · high 7.30% / low 7.17%
Oct 26, 20267.17%▼ from 7.30%
Oct 19, 20267.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
6.25%
-
6.367%
180 months
DetailsCLTV: < 80%; Loan repayment term 15 years (180 months); fixed rate for the duration of the loan; minimum loan amount $50,000, maximum $250,000; rates effective 3/4/2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.37% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
HELOC (prime + 2.00%)
9.00%
-
9.00%
DetailsRate: prime + 2.00%; LTV: <80%; Maximum annual percentage rate under this plan is 18.00%; Maximum CLTV 80%; Minimum credit line $20,000; Maximum credit line $250,000
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 9.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan - 2025 or newer
-
-
4.63%
12 to 48 Months
DetailsLoan amount: $5,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
New Auto Loan - 2025 or newer
-
-
4.63%
49-60 Months
DetailsLoan amount: $10,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
New Auto Loan - 2025 or newer
-
-
4.63%
61-72 Months
DetailsLoan amount: $15,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
New Auto Loan - 2025 or newer
-
-
4.63%
73-84 Months
DetailsLoan amount: $25,000; Lowest available rate for qualified borrowers; includes 0.25% discount for Automatic Loan Payments; rate increases 0.25% if automatic payments are not established or are cancelled
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 4.63% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025
-
-
4.75%
12 to 48 Months
DetailsLoan amount: $5,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025
-
-
4.75%
49-60 Months
DetailsLoan amount: $10,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025
-
-
4.75%
61-72 Months
DetailsLoan amount: $15,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Used Autos: 2016 - 2025
-
-
4.75%
73-84 Months
DetailsLoan amount: $25,000; Rates shown are the lowest available for qualified borrowers and include a 0.25% discount for Automatic Loan Payments
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Classic & Older Autos - 12-48 Months
-
-
8.54%
12-48 months
DetailsLoan amount: $5,000
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.54% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Classic & Older Autos - 49-60 Months
-
-
8.69%
49-60 months
DetailsLoan amount: $10,000
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 8.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycles/Scooters Loan
-
6.87%
1 to 36 Months
DetailsModel Year: 2025 or newer; Loan amount: $5,000; Rate includes 0.25% Automatic Loan Payment discount
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.87% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
New Motorcycles/Scooters Loan
-
6.87%
37 to 60 Months
DetailsModel Year: 2025 or newer; Loan amount: $10,000; Rate includes 0.25% Automatic Loan Payment discount
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.87% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
New Motorcycles/Scooters Loan
-
6.87%
61 to 72 Months
DetailsModel Year: 2025 or newer; Loan amount: $15,000; New motorcycles only; Rate includes 0.25% Automatic Loan Payment discount
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.87% APR · checked 3 times
No change since Sep 22, 2026 · 10.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
San Francisco Fire Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Fixed High Balance Home Loan - 10 Year
6.125%
1
6.455%
10 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.58% → 6.46% ▼ 0.13 pts · high 6.58% / low 6.46%
Oct 19, 20266.46%▼ from 6.58%
Oct 14, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 10 Year
6.375%
0
6.485%
10 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.61% → 6.49% ▼ 0.13 pts · high 6.61% / low 6.49%
Oct 19, 20266.49%▼ from 6.61%
Oct 14, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 15 Year
6.625%
1
6.862%
15 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.99% → 6.86% ▼ 0.13 pts · high 6.99% / low 6.86%
Oct 19, 20266.86%▼ from 6.99%
Oct 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 15 Year
6.875%
0
6.957%
15 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.08% → 6.96% ▼ 0.12 pts · high 7.08% / low 6.96%
Oct 19, 20266.96%▼ from 7.08%
Oct 14, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 30 Year
7.125%
1
7.274%
30 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.40% → 7.27% ▼ 0.13 pts · high 7.40% / low 7.27%
Oct 19, 20267.27%▼ from 7.40%
Oct 14, 20267.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Home Loan - 30 Year
7.375%
0
7.425%
30 Year
DetailsFixed High Balance Home Loan; APR based on FICO 740+, owner-occupied primary residence, California, 60% LTV or less, no cash-out
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.55% → 7.43% ▼ 0.13 pts · high 7.55% / low 7.43%
Oct 19, 20267.43%▼ from 7.55%
Oct 14, 20267.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 10 Year
6.125%
1
6.455%
10 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.58% → 6.46% ▼ 0.13 pts · high 6.58% / low 6.46%
Oct 19, 20266.46%▼ from 6.58%
Oct 14, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 10 Year
6.375%
0
6.485%
10 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.61% → 6.49% ▼ 0.13 pts · high 6.61% / low 6.49%
Oct 19, 20266.49%▼ from 6.61%
Oct 14, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 15 Year
6.625%
1
6.862%
15 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 6.99% → 6.86% ▼ 0.13 pts · high 6.99% / low 6.86%
Oct 19, 20266.86%▼ from 6.99%
Oct 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 15 Year
6.875%
0
6.957%
15 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.08% → 6.96% ▼ 0.12 pts · high 7.08% / low 6.96%
Oct 19, 20266.96%▼ from 7.08%
Oct 14, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 30 Year
7.125%
1
7.274%
30 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.40% → 7.27% ▼ 0.13 pts · high 7.40% / low 7.27%
Oct 19, 20267.27%▼ from 7.40%
Oct 14, 20267.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Fixed High Balance Rate Loans - 30 Year
7.375%
0
7.425%
30 Year
DetailsAPR based on FICO 740+, 60% LTV, California owner-occupied primary residence
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.55% → 7.43% ▼ 0.13 pts · high 7.55% / low 7.43%
Oct 19, 20267.43%▼ from 7.55%
Oct 14, 20267.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.32%
Financial Health History
San Francisco Fire Credit Union’s Texas Ratio fell from 4.13% in Q3 2023 to 3.32% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
3.32%
5.0
A+
March 31, 2026
$1.6B
4.92%
5.0
A+
December 31, 2025
$1.6B
4.81%
5.0
A+
September 30, 2025
$1.6B
4.67%
5.0
A+
June 30, 2025
$1.6B
3.12%
5.0
A+
March 31, 2025
$1.6B
5.29%
5.0
A+
December 31, 2024
$1.6B
5.35%
5.0
A+
September 30, 2024
$1.7B
7.17%
5.0
A
June 30, 2024
$1.7B
6.86%
5.0
A
March 31, 2024
$1.7B
6.78%
5.0
A
December 31, 2023
$1.8B
5.70%
5.0
A+
September 30, 2023
$1.8B
4.13%
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 Fire 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 Fire 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 Fire Credit Union's official website for the most current offers and terms.
Address
3201 California St,
San Francisco, CA 94118-1903
Phone415-674-4800
Fax415-674-4681
PresidentBrook Baker
CEORobert Kassab
Full-Time Employees166
Part-Time Employees1
Branch Locations3
ATM Locations3
NCUA InsuredNo, not federally insured
Private Share InsuranceNot federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.32%
Return on Assets (ROA)
0.3892%
Return on Equity (ROE)
3.6604%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
1,617,674,714
Total Amount of Shares and Deposits
1,459,709,581
Total Shares and Deposits < 1 Year
1,424,633,524
Total Shares and Deposits 1 3 Years
22,824,366
Total Shares and Deposits > 3 Years
12,251,691
Total Interest Expense (Sum of items 6 8)
5,128,842
Share Certificates
7,567
Number of Accounts for Share Drafts
65,976
IRA KEOGH Accounts
2,429
Number of Accounts for Regular Shares
61,818
All other shares
1,155
Money Market Shares
5,432
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)
100,945,895
Total Liabilities
1,479,470,811
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
San Francisco Fire 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About San Francisco Fire Credit Union
Does San Francisco Fire Credit Union offer CDs?
Yes. San Francisco Fire Credit Union current CD rates include its 7-Month Tiered CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from San Francisco Fire Credit Union NCUA insured?
No. San Francisco Fire Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account.
What is the highest CD rate at San Francisco Fire Credit Union?
The highest San Francisco Fire Credit Union CD rate is its 7-Month Tiered CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does San Francisco Fire Credit Union offer?
San Francisco Fire Credit Union CD rates are 4.00% APY for a 7 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with San Francisco Fire Credit Union for its full lineup.
What is the highest savings rate at San Francisco Fire Credit Union?
The highest San Francisco Fire Credit Union savings rate is its Educational Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at San Francisco Fire Credit Union?
The highest San Francisco Fire Credit Union money market rate is its Money Market at 4.35% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest 30 year fixed mortgage rate at San Francisco Fire Credit Union?
The lowest San Francisco Fire Credit Union 30 year fixed mortgage rate is its Jumbo Fixed - 30 Year at 6.75%, verified by MonitorBankRates as of October 30, 2026. San Francisco Fire Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.25% for a 15 year mortgage, 6.125% for a 10 year mortgage, 5.875% for a 5/1 ARM, 6.00% for a 7/1 ARM and 6.25% for a 10/1 ARM.
What is the lowest auto loan rate at San Francisco Fire Credit Union?
The lowest San Francisco Fire Credit Union auto loan rate is its New Auto Loan - 2025 or newer at 4.63% APR, verified by MonitorBankRates as of October 30, 2026. San Francisco Fire Credit Union auto loan rates are 8.54% APR for a 48 month auto loan and 8.69% APR for a 60 month auto loan.
What is the lowest personal loan rate at San Francisco Fire Credit Union?
The lowest San Francisco Fire Credit Union personal loan rate is its Personal Loan at 9.25% APR, verified by MonitorBankRates as of October 30, 2026.
How many branches does San Francisco Fire Credit Union operate?
San Francisco Fire 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 Fire Credit Union?
Yes, to access services at San Francisco Fire 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 Fire 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 Fire Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does San Francisco Fire Credit Union offer online and mobile banking?
Most modern institutions like San Francisco Fire 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.sffirecu.org.
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 Fire Credit Union rates compare?
San Francisco Fire Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. San Francisco Fire Credit Union's top rates are its 7-Month Tiered CD at 4.00% APY, its Educational Savings at 0.05% APY, its Money Market at 4.35% APY, its Conforming Adjustable Rate Mortgage - 5/1 ARM at 5.875% and its Solar Panel Loan at 8.49% APR, verified by MonitorBankRates on October 30, 2026.
Current San Francisco Fire Credit Union Rates
Savings0.05%
MMA4.35%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
