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F3

1040 LEIGH AVE, San Jose, CA 95126
NCUA Insured4.2 (41 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1931

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

Location & Directions

Address

1040 LEIGH AVE

San Jose, CA 95126

Service Area

This credit union is located in San Jose and serves members in the CA area. Currently serving 13,030 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.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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

New Auto Loan

5.49%

Used Auto Loan

6.49%

Personal Loan

10.75%

Credit Card APR

10.49%

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).

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

Branches & Locations(4 total)

Member Reviews

4.2

41 Google reviews

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

View on Google Maps
Lance Dumayas

Lance Dumayas

7 months ago

In short this is a head ache of a bank. I have the money please take it!! My dad has been banking with pacific postal credit union (now F3CU) for a long time, this is the bank he has his mortgage loan with. The mobile app and web browser is very buggy and out of date. You cannot use zelle with this bank and the mobile deposits require you to write a check. I've been trying to submit a mobile deposit since 10/27/25. As I'm typing this it is 10/30/25 and the mobile deposit is not working. Yes I'm using a black background when taking the photos, the issue occurs when submitting the check at the end. I get a "RDC vender error" when attempting to submit the check. My dad and I live an hour away from the location (without traffic) so it's extremely inconvenient when we have an issue when making payments. Another issue is that I can never get a teller on the phone, I always have to leave a message via voicemail and never know when they're going to call back and if I miss the call I have to leave another return call message and get nothing back. My dad went there today and he is in his 80s so I wanted to be on the phone while he was talking to a teller. So now we are going to just have to do wires to the account or he make a checking account with F3CU and attach the debt card to a venmo account so we can make the payments that way. When he got home I thought he was going to have all the terms and conditions papers of the debit card and checking account in his hands and not just the application for the checking account... at this point I I'm done with this bank. When we refinance we're just going to use another Credit Union . Unless they have a more efficient way of receiving payments in the future. I don't want to keep writing checks and sending them through the mail and I don't want to risk a late payment because of an electronic error that happens randomly.

Carlos D. Vargas

Carlos D. Vargas

6 months ago

I am very excited in the change and do hope that some upgrades are in the making of Banking portal. The current site is a bit clunky to get through. The categories are not noted plainly and clearly. Being able to get between accounts is slow and a bit confusing

Joe Rafferty

Joe Rafferty

6 months ago

Trushna Sahoo at the Liegh Branch of F3 was very helpful and knowledgeable. Our account questions and issues were resolved quickly.

Nancie Dobbs

Nancie Dobbs

12 months ago

My dad is a retired postal worker and this has been his credit union for many years. They are always friendly and helpful when we come in. It's a smaller bank but that just gives them the opportunity to provide more personalized service. Rates are on par with larger banks.

Ross Jackson

Ross Jackson

a year ago

This credit union is completely unprofessional. I have been trying to settle my Father’s affairs with this location. Not only are some employees quite rude, the staff overall has been extremely flaky. This is not the quality you look for when finding a place to bank. They have lost important paperwork and have promised corespondence and call backs. They have never followed through on any promise. Look somewhere else when considering who to bank with!! I ended up having to file a fraud claim through NCUA. Be cautious.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).