San Francisco Fire

3201 California Street, San Francisco, CA 94118

NCUA Insured3.6 (124 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around San Francisco, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

3 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

3201 California Street

San Francisco, CA 94118

Google Maps 🗺Waze

(415) 674-4800

Service Area

This credit union is located in San Francisco and serves members in the CA area. Currently serving 72,460 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.62%

Used Auto Loan

5.74%

Personal Loan

9.25%

Credit Card APR

10.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.6

124 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

LJ O

5 months ago

I’ve been with SF Fire CU since 2012 and I have never been happier with a bank. Anytime I’ve had issues, calling and getting a real person instantly is such a breath of fresh air. I’ve never paid an ATM fee and they have so quick to resolve anything. If you are an SF resident, support your local bank! I have and will continue to recommend SF Fire to all my friends.

Wesley Wong

3 months ago

I already wrote a review on Yelp but I had to write another review again for Member Advocate Bao Nguyen. He took care of me on short notice expeditiously and helped me achieve my exact financial planning goals. THANK YOU BAO!

Tristan Rocheleau

9 months ago

SF Fire credit union used to be the absolute best! Now... they're pretty much garbage. I have no idea why they would choose to become so bad for their members, but they have. Find a different bank. You're probably better off even just going with Wells Fargo.

sang hea Kil

8 months ago

i have emailed them twice about a weird letter i got from them and they have refused to respond to me. i just want to know if it was a legit letter from sffcu and not a phish. but they do not seem to care enough about my security concerns to respond. i should not have to post a review to get customer service. i should just get customer service when i log on to the app and send an email asking TWICE what is going on. i suggest you respond to your emails

Gina Luciano

9 months ago

More than 20 years ago, after I became exasperated by every single commercial bank with which I had ever done business, I signed up with SFFCU. I even encouraged my two children to join and we have never looked back. I have loved their service all these years and I have never had a problem until a couple of days ago when I encountered a rather impatient and somewhat rude young teller who would not let me finish my question and was dead set on sticking to his erroneous opinion. I would like to attribute his behavior to a lack of experience (I am hoping). In any event at his suggestion, I ended up speaking to the California St. branch manager. Eli was wonderful. He understood what I needed immediately and resolved the problem in record time. Thank you, Eli. And to anyone who runs into a similar situation, I’d like to suggest you appeal to a supervisor.