The 20 Best Credit Unions in San Francisco

When looking for a trustworthy financial institution in San Francisco, many individuals turn to Credit Unions for personalized service and competitive rates. With a strong emphasis on member satisfaction and community involvement, credit unions in the city offer an attractive alternative to traditional banks.
Whether you are in need of a savings account, a loan for a new home, or simply want to explore your financial options, credit unions in San Francisco provide a range of services to meet your needs. By joining a credit union, you are not just a customer, but a member with a voice in how the institution is run.
- Personalized service
- Competitive rates
- Community involvement
- Range of services available
Take a look at the list below to find the best credit union in San Francisco that meets your financial needs and preferences.
- 1. San Francisco Federal Credit Union
- 2. San Francisco Federal Credit Union
- 3. San Francisco Federal Credit Union
- 4. San Francisco Federal Credit Union
- 5. SF Fire Credit Union
- 6. The Police Credit Union
- 7. The Police Credit Union
- 8. Provident Credit Union (San Francisco Community Branch)
- 9. Self-Help Federal Credit Union
- 10. Redwood Credit Union
- 11. Lee Federal Credit Union
- 12. Northeast Community FCU
- 13. Northeast Community Federal Credit Union
- 14. Patelco Credit Union
- 15. SF Fire Credit Union
- 16. Golden 1 Credit Union - Mission Bay
- 17. Patelco Credit Union
- 18. Polam Federal Credit Union
- 19. Provident Credit Union San Francisco (Federal Building Community Branch)
- 20. SF Bay Area Educators Credit Union
- Monday: 9:30 AM–5:30 PM
- Tuesday: 9:30 AM–5:30 PM
- Wednesday: 9:30 AM–5:30 PM
- Thursday: 10 AM–5:30 PM
- Friday: 9:30 AM–5:30 PM
- Saturday: Closed
- Sunday: Closed
1. San Francisco Federal Credit Union
Information and Reviews
- Exceptional customer service provided by Angelo Abellar and Helen Ngo.
- A member praised Bao for helping build their credit score to an excellent level.
- Appreciation for the intimate and caring service at the Lakeside branch, with special mention of preventative measures against fraud.
- On the flip side, some customers have faced challenges with long wait times and technical issues.
With a loyal customer base of over 40 years, customers appreciate the professionalism, helpfulness, and friendliness of the staff at San Francisco Federal Credit Union.
- Monday: 9:30 AM–5:30 PM
- Tuesday: 9:30 AM–5:30 PM
- Wednesday: 9:30 AM–5:30 PM
- Thursday: 10 AM–5:30 PM
- Friday: 9:30 AM–5:30 PM
- Saturday: 9 AM–3 PM
- Sunday: Closed
2. San Francisco Federal Credit Union
Information and Reviews
Here are some key points from recent customer reviews:
- Dependable service depending on the time and day visited, with some tellers being more helpful than others.
- Regrettably, recent incidents of errors, lack of privacy, and removed amenities have diminished the once welcoming atmosphere.
- An unfortunate experience of discrimination from an employee at the Mission branch, leading to a request for action against the involved employee.
- High praise for friendly, knowledgeable, and helpful staff at the Excelsior branch, with a special mention for their great music choices.
The San Francisco Federal Credit Union is a local institution that values community involvement and offers accessible banking options. Consider paying them a visit for a more personal and community-focused banking experience.
- Monday: 9 AM–5:30 PM
- Tuesday: 9 AM–5:30 PM
- Wednesday: 9 AM–5:30 PM
- Thursday: 10 AM–5:30 PM
- Friday: 9 AM–5:30 PM
- Saturday: Closed
- Sunday: Closed
3. San Francisco Federal Credit Union
Information and Reviews
With a remarkable rating of 4.3 stars, customers have raved about their experiences with the staff at this credit union. Some key points from the reviews include:
- Friendly and professional team members who provide excellent service
- Efficient and helpful staff, especially in resolving banking issues
- Quick and responsive approval processes for loans and membership applications
- A community-driven atmosphere that distinguishes it from traditional banks
Whether you are looking to open a new account, apply for a loan, or simply seeking financial advice, San Francisco Federal Credit Union is committed to serving its members with integrity and care. Visit their location on Golden Gate Ave to experience exceptional banking services tailored to your needs.
- Monday: 9:30 AM–5:30 PM
- Tuesday: 9:30 AM–5:30 PM
- Wednesday: 9:30 AM–5:30 PM
- Thursday: 10 AM–5:30 PM
- Friday: 9:30 AM–5:30 PM
- Saturday: Closed
- Sunday: Closed
4. San Francisco Federal Credit Union
Information and Reviews
Customer reviews rave about the exceptional service provided by the team at San Francisco Federal Credit Union. Here are some key points from satisfied customers:
- Lauriana Estrada was very helpful, kind, and patient in transferring accounts, making the process smooth and stress-free.
- Flo provided informative, professional, and exceptional service while securing a loan and opening a bank account, going above and beyond for the customer's satisfaction.
- The staff is described as lovely, helpful, knowledgeable, and patient, creating a welcoming and friendly atmosphere for all customers.
- Rick Iraheta exceeded expectations by providing fast and efficient service to secure an auto loan, ultimately helping the customer get the car they wanted in a timely manner.
If you are in need of financial services or assistance, San Francisco Federal Credit Union is the place to go. Visit their branch or check out their website to learn more about how they can help you achieve your financial goals.
- Monday: 9:30 AM–5:30 PM
- Tuesday: 9:30 AM–5:30 PM
- Wednesday: 9:30 AM–5:30 PM
- Thursday: 9:30 AM–5:30 PM
- Friday: 9:30 AM–5:30 PM
- Saturday: 10 AM–2 PM
- Sunday: Closed
5. SF Fire Credit Union
Information and Reviews
- Customers rave about the exceptional service and attention to detail provided by the staff.
- The convenient location makes it easily accessible for those in the neighborhood.
- Many praise the friendly and welcoming atmosphere that sets this Credit Union apart from the rest.
Experience the difference at SF Fire Credit Union and see why it has garnered a stellar 5.0 rating from satisfied customers.
- Monday: 9 AM–5:30 PM
- Tuesday: 9 AM–5:30 PM
- Wednesday: 9 AM–5:30 PM
- Thursday: 9 AM–5:30 PM
- Friday: 9 AM–5:30 PM
- Saturday: 9 AM–3 PM
- Sunday: Closed
6. The Police Credit Union
Information and Reviews
- The ATMs have technical issues that need improvement.
- Erik was praised for his genuine kindness and exceptional customer service.
- Ellen Lee received accolades for her professionalism, communication, and attention to detail in assisting with complex financial transactions.
- The tellers at the Irving St. branch are highlighted for their exceptional service and personalized interactions with customers.
With a high rating of 4.5 stars and a loyal customer base, The Police Credit Union continues to excel in providing top-notch financial services to the community.
- Monday: 9 AM–5:30 PM
- Tuesday: 9 AM–5:30 PM
- Wednesday: 9 AM–5:30 PM
- Thursday: 9 AM–5:30 PM
- Friday: 9 AM–5:30 PM
- Saturday: Closed
- Sunday: Closed
7. The Police Credit Union
Information and Reviews
- Service with a smile
- Credit unions are better than banks
- Great source for financial needs
- Awesome people
The Visa Automotive Payment System was noted as an area for improvement in one review, but overall, customers seem satisfied with the services provided by The Police Credit Union. Visit them for your financial needs and experience the superior service yourself.
- Monday: 8 AM–4 PM
- Tuesday: 8 AM–4 PM
- Wednesday: 8 AM–4 PM
- Thursday: 8 AM–4 PM
- Friday: 8 AM–5 PM
- Saturday: Closed
- Sunday: Closed
8. Provident Credit Union (San Francisco Community Branch)
Information and Reviews
Customers have left positive reviews highlighting the exceptional customer service provided by employees like Shrawan. They mention that the staff is gracious, kind, patient, and professional.
- Great staff, wonderful rates, protection plus, they really look out for their customers' interest & keep on top of all the latest scams.
- Gracious, kind, patient, and professional staff interactions.
- Highly impressed with the services provided by Mr. Shrawan Ghimire and the overall experience at the branch.
- High interest saving account with a competitive interest rate and ATM fee reimbursements.

- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 10 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 10 AM–6 PM
- Saturday: Closed
- Sunday: Closed
9. Self-Help Federal Credit Union
Information and Reviews
With a solid rating of 4.3 stars, customers have left positive reviews highlighting the excellent customer service and professionalism at Self-Help Federal Credit Union. Some key points from the reviews include:
- Mission agency customer service is top-notch, providing fresh starts and compassionate assistance.
- The staff is knowledgeable and assists in a friendly manner throughout the loan process.
- While the credit union may have limitations, it still offers excellent services like secured credit cards and low-interest loans.
- Customers appreciate the dedication and support received at the SF branch, especially from representatives like Jessica Lozoya.
Overall, Self-Help Federal Credit Union stands out for its commitment to customer satisfaction and financial support. If you are in need of banking services or financial guidance, consider giving them a visit.
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
10. Redwood Credit Union
Information and Reviews
- Customers appreciate the personalized and professional service they receive from the staff, such as Luis C. and Leah M.
- Redwood Credit Union stands out for its welcoming atmosphere and commitment to customer satisfaction, making it a preferred choice for many.
- Individuals praise the comprehensive financial services offered by the credit union, ensuring all their banking needs are met effectively.
The warm, family-like environment at Redwood Credit Union combined with their knowledgeable staff sets them apart in the competitive banking industry. Whether you are opening a new account or seeking financial advice, you can trust Redwood Credit Union to provide top-notch service tailored to your needs.
11. Lee Federal Credit Union
Information and Reviews
Customers have praised the excellent customer service provided by the staff, as well as the competitive interest rates offered by the credit union. Some key points mentioned in the reviews include:
- Great customer service and knowledgeable staff
- Competitive interest rates for savings accounts and loans
- Convenient location in San Francisco
With a rating of 4.5 stars, Lee Federal Credit Union continues to impress and exceed customers' expectations. Visit them today and experience top-notch financial services.
12. Northeast Community FCU
Information and Reviews
Customers have praised Northeast Community FCU for several key reasons:
- Great place to establish credit and support the community.
- No need for big banks when you have this credit union.
- Excellent financial institution that meets individuals where they are.
These reviews reflect the dedication of Northeast Community FCU to providing top-notch service and support to its members. Visit their website or give them a call to learn more about how they can help you with your financial goals.
- Monday: 10 AM–4 PM
- Tuesday: 10 AM–4 PM
- Wednesday: 10 AM–4 PM
- Thursday: 10 AM–4 PM
- Friday: 10 AM–4 PM
- Saturday: Closed
- Sunday: Closed
13. Northeast Community Federal Credit Union
Information and Reviews
- This bank is an excellent community resource, always available to assist with any issues.
- Quick and efficient service with no waiting time.
- Friendly and knowledgeable staff make banking a pleasant experience.
- Low rates and requirements to maintain an account make it a favored choice.
If you are in need of financial services in the area, Northeast Community Federal Credit Union is a reliable choice that values its members' needs and satisfaction.
- Monday: 10 AM–5 PM
- Tuesday: 10 AM–5 PM
- Wednesday: 10 AM–5 PM
- Thursday: 10 AM–5 PM
- Friday: 10 AM–5 PM
- Saturday: Closed
- Sunday: Closed
14. Patelco Credit Union
Information and Reviews
- Customers appreciate the friendly staff and excellent customer service that Patelco provides.
- Several customers have mentioned the efficiency and speed at which the credit union handles transactions and requests.
- There are also mentions of personalized service, where staff members have gone above and beyond to assist customers in times of need.
Overall, Patelco Credit Union is a trusted financial institution that values its members and strives to offer top-notch service.
- Monday: 9:30 AM–5:30 PM
- Tuesday: 9:30 AM–5:30 PM
- Wednesday: 9:30 AM–5:30 PM
- Thursday: 9:30 AM–5:30 PM
- Friday: 9:30 AM–5:30 PM
- Saturday: 10 AM–2 PM
- Sunday: Closed
15. SF Fire Credit Union
Information and Reviews
Customer reviews highlight the following key points:
- One customer expresses frustration over the closure of ATMs and lack of app recognition, despite friendly staff.
- Another customer is disappointed with the lack of automatic credits to a new debit card and plans to switch banks.
- A satisfied customer praises the California branch for its speed, kindness, and flexibility in providing services.
- Another customer shares a positive experience of financial assistance and support over the years.
Overall, customers appreciate the attentive service, diverse offerings, and convenience provided by SF Fire Credit Union.
- Monday: 10 AM–5 PM
- Tuesday: 10 AM–5 PM
- Wednesday: 10 AM–5 PM
- Thursday: 10 AM–5 PM
- Friday: 10 AM–5 PM
- Saturday: 10 AM–2 PM
- Sunday: Closed
16. Golden 1 Credit Union - Mission Bay
Information and Reviews
Customer reviews highlight several key points:
- Customers appreciate the friendly and helpful staff that goes above and beyond to assist them.
- Some clients mention issues with branch closures and additional charges for certain services, urging potential customers to research alternatives.
- Despite challenges, customers highlight the professionalism and reliability of the staff at this location.
- There are mixed feelings regarding customer service experiences, ranging from unwelcoming and rude staff to knowledgeable and supportive employees.
If you are looking for a financial institution that values a personal touch and a commitment to customer satisfaction, Golden 1 Credit Union - Mission Bay could be the right choice for your banking needs.
- Monday: 10 AM–5 PM
- Tuesday: 10 AM–5 PM
- Wednesday: 10 AM–5 PM
- Thursday: 10 AM–5 PM
- Friday: 10 AM–5 PM
- Saturday: 10 AM–2 PM
- Sunday: Closed
17. Patelco Credit Union
Information and Reviews
The credit union has received a rating of 3.8, with a total of 18 reviews. Customers have highlighted the following key points in their experiences:
- Top-notch service and prompt assistance from branch manager Mr. Kevin Wong
- Exceedingly helpful staff who go above and beyond to assist
- Professionalism of the staff and low interest rates on loans
- Great customer service with a personal touch
Overall, Patelco Credit Union strives to provide exceptional service to its customers, ensuring a positive and efficient banking experience.
- Monday: 9 AM–4 PM
- Tuesday: 9 AM–4 PM
- Wednesday: 9 AM–4 PM
- Thursday: 9 AM–4 PM
- Friday: 9 AM–6 PM
- Saturday: Closed
- Sunday: Closed
18. Polam Federal Credit Union
Information and Reviews
Customers appreciate the fact that at Polam Federal Credit Union, they can actually speak to a live person when they call. The staff's longevity ensures that customers build strong relationships over time, with familiar faces who remember their names. Despite not being the most technologically advanced bank, customers value the personalized care they receive at Polam Federal Credit Union.
Some key points from customer reviews include:
- Competitive credit offerings and interest rates
- Excellent dividends on accounts
- Well-established community bank with a focus on personalized service
- Friendly and responsive staff members
Overall, Polam Federal Credit Union stands out for its commitment to serving its members with care, offering competitive financial products, and fostering lasting relationships within the community.
- Monday: 8 AM–4 PM
- Tuesday: 8 AM–4 PM
- Wednesday: 8 AM–4 PM
- Thursday: 8 AM–4 PM
- Friday: 8 AM–4 PM
- Saturday: Closed
- Sunday: Closed
19. Provident Credit Union San Francisco (Federal Building Community Branch)
Information and Reviews
- Long-time customer frustrated with car loan issue resolution
- Member for 25 years, praises excellent customer service and rewards programs
- Unhappy with security measures at a specific location but acknowledges good customer service inside
- Former customer experienced billing issues but eventually received fee refunds
Customers have highlighted the helpful staff and overall positive experience at this branch. The credit union offers a variety of services and benefits for its members, making it a great choice for anyone seeking financial services in the area.
- Monday: 12–5 PM
- Tuesday: 12–5 PM
- Wednesday: 12–5 PM
- Thursday: 12–5 PM
- Friday: 12–5 PM
- Saturday: Closed
- Sunday: Closed
20. SF Bay Area Educators Credit Union
Information and Reviews
Customer reviews reflect a mix of experiences. Some mention challenges with getting timely responses and customer service, while others praise the staff for their helpfulness. Here are some key points summarizing the reviews:
- Challenges with getting timely responses and customer service
- Positive feedback on the helpfulness of the staff
Despite the mixed reviews, SF Bay Area Educators Credit Union continues to serve its members with integrity and dedication. If you are in the area and looking for a reliable credit union, consider giving them a visit.
Map of Credit Unions in San Francisco
Looking for a local financial institution that offers personalized service and community-focused banking? Look no further than the numerous credit unions in San Francisco. From savings accounts to loans, these member-owned cooperatives prioritize the needs of their members above all else. Use this map to find the closest credit union to you in the city.
What sets credit unions apart from traditional banks?
Credit unions are not-for-profit organizations owned by their members, which allows them to offer lower fees and higher interest rates on savings accounts and loans compared to banks. Additionally, credit unions are focused on serving their community, providing personalized service and tailored financial solutions.
Members of a credit union also have a say in how the organization is run, as they have voting rights to elect the board of directors. This democratic structure ensures that decisions are made in the best interest of the members rather than shareholders.
When you join a credit union, you become part of a cooperative that is dedicated to helping its members achieve their financial goals and improve their overall financial well-being.
How can I join a credit union in San Francisco?
Joining a credit union in San Francisco is typically easy and straightforward. Most credit unions have membership requirements based on a common bond, such as living or working in a specific area or belonging to a certain organization.
To join a credit union, you may need to open a savings account with a minimum deposit and pay a small membership fee. Once you meet the eligibility requirements and become a member, you can take advantage of the benefits and services offered by the credit union.
Some credit unions in San Francisco also offer online membership applications, making it even more convenient to join and start enjoying the benefits of membership.
What services are offered by credit unions in San Francisco?
Credit unions in San Francisco offer a wide range of financial products and services, including savings and checking accounts, loans, credit cards, and investment options. Many credit unions also provide online and mobile banking services for added convenience.
In addition to traditional banking services, some credit unions in San Francisco offer financial education resources, free financial counseling, and workshops to help members improve their money management skills and achieve their financial goals.
Members of a credit union can also access shared branches and ATMs nationwide, giving them greater flexibility and convenience in managing their finances no matter where they are.
Are credit unions insured in San Francisco?
Yes, credit unions in San Francisco are insured by the National Credit Union Administration (NCUA), which is a federal agency that regulates and supervises credit unions nationwide. The NCUA provides up to $250,000 in insurance coverage per depositor for deposits in federally insured credit unions.
This insurance coverage helps protect the funds of credit union members in case of a credit union failure, similar to the way the Federal Deposit Insurance Corporation (FDIC) protects deposits in banks. Members can have peace of mind knowing that their money is safe and secure in a federally insured credit union.
It's important to check that the credit union you are considering joining is insured by the NCUA before becoming a member to ensure the safety of your deposits.

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