--- title: "San Francisco Credit Union Rates (Nov 2026): Mortgage 7.46%" description: "San Francisco Credit Union rates today: 30 year fixed mortgage 7.46% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join San Francisco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/san-francisco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # San Francisco Credit Union Rates (Nov 2026): Mortgage 7.46% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.461% APR | 7.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.667% APR | 6.500% | — | Standard | | **10/1 Adjustable Rate Mortgage 2** 10 1 arm | 6.615% APR | 6.250% | — | Standard | | **7/1 Adjustable Rate Mortgage 2** 7 1 arm | 6.673% APR | 6.125% | — | Standard | | **5/1 Adjustable Rate Mortgage 2** 5 1 arm | 6.744% APR | 6.000% | — | Standard | San Francisco Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto – 2014 or Newer with Less than 100K Miles (1-12 Months)** auto_used_12mo | — APR | 5.850% | 12 mo · used | Standard | | **Used Auto – 2014 or Newer with Less than 100K Miles (13-36 Months)** auto_used_36mo | — APR | 5.950% | 36 mo · used | Standard | | **Used Auto – 2014 or Newer with Less than 100K Miles (37-48 Months)** auto_used_48mo | — APR | 6.000% | 48 mo · used | Standard | | **Used Auto – 2014 or Newer with Less than 100K Miles (49-60 Months)** auto_used_60mo | — APR | 6.050% | 60 mo · used | Standard | | **Used Auto – 2014 or Newer with Less than 100K Miles (61-72 Months)** auto_used_72mo | — APR | 6.120% | 72 mo · used | Standard | | **Used Auto – 2014 or Newer with Less than 100K Miles (73-84 Months)** auto_used_84mo | — APR | 6.200% | 84 mo · used | Standard | San Francisco Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC 3 10/20** heloc_variable | — APR | 7.000% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.000% | — | Standard | San Francisco Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured²** personal_secured | — APR | 4.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 10.750% | — | Standard | San Francisco Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 7.450% | — | Standard | | **Student Credit Card** credit_card_student | — APR | 11.490% | — | Standard | | **Secured Credit Card** credit_card_secured | — APR | 13.740% | — | Standard | San Francisco Credit Union credit card rates as of November 12, 2026 As of November 12, 2026, San Francisco Credit Union offers a 30-year fixed mortgage at 7.461% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/san-francisco) , verified from [San Francisco Credit Union's official website](https://www.sanfranciscofcu.com/) Best product position **Better than the California median** 15-year fixed mortgage Gap to state best **50 bp** 50 bp from state best Vs. state median **8 bp better than median** 15-year fixed mortgage Products ranked **2** across tracked California markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.46% | Room to improve vs. the California median | 93 bp from state best | 29 bp behind median | | 15-year fixed mortgage | 6.67% | Better than the California median | 50 bp from state best | 8 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim San Francisco Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=san-francisco&state=california&code=CA&name=San%20Francisco%20Credit%20Union) Loading branch locator… ## About San Francisco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 51.9K Assets $1.6B Founded 1954 Locations reported 8 NCUA charter 24542 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Provident** Branch Office · San Francisco · CA · 94102-3433 About 0.2 miles away](https://rateapi.dev/credit-unions/california/provident) [**Redwood** San Francisco Site · San Francisco · CA · 94102 About 0.2 miles away](https://rateapi.dev/credit-unions/california/redwood) [**Northeast Community** TENDERLOIN · SAN FRANCISCO · CA · 94102 About 0.5 miles away](https://rateapi.dev/credit-unions/california/northeast-community) [**The Police** Bryant Street Branch · San Francisco · CA · 94103 About 0.9 miles away](https://rateapi.dev/credit-unions/california/the-police) [**Patelco** SAN FRANCISCO - DOWNTOWN · San Francisco · CA · 94105 About 1.2 miles away](https://rateapi.dev/credit-unions/california/patelco) [**San Francisco Lee** CHINATOWN · SAN FRANCISCO · CA · 94108 About 1.3 miles away](https://rateapi.dev/credit-unions/california/san-francisco-lee) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join San Francisco Credit Union Membership eligibility from San Francisco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on San Francisco Credit Union's website. Check the membership page below to confirm whether you qualify. - Location san francisco — CA - Employer San Francsico Unified School District, San Francisco Community College District, San Francisco Ballet Association, San Francisco Opera, San Francisco Port Authority, San Francisco Port Commission, San Francisco Symphony Association, San Francisco State University, San Francisco Federal - Association Financial Fitness Association, Vera Society Association - School San Francisco State University Verified from [San Francisco Credit Union's membership page](https://www.sanfranciscofcu.com/membership/join-today) . Final membership determination is always made by the credit union. ## Membership rules for San Francisco Credit Union Geography 1 county · Employers 11 · Associations 2 · Schools 4 · Family 20 published paths to membership, last verified August 27, 2026, quoted from San Francisco Credit Union’s own published criteria. Source-page proposal coverage: 19 of 19 extracted claims verified; 2 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - San Francisco County, CA - San Francisco, CA “Volunteer in the city and/or county of San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) ### Employers 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of San Francsico Unified School District (as written on the source page) - Work Location San Francisco (as written on the source page) “San Francsico Unified School District who work in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francsico Unified School District and Works at San Francisco - Employee of San Francisco Community College District - Work Location San Francisco (as written on the source page) “San Francisco Community College District who work in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Community College District and Works at San Francisco - Employee of San Francisco Ballet Association “San Francisco Ballet Association” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Ballet Association - Employee of San Francisco Opera “San Francisco Opera” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Opera - Employee of San Francisco Port Authority “San Francisco Port Authority” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Port Authority - Employee of San Francisco Port Commission “San Francisco Port Commission” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Port Commission - Employee of San Francisco Symphony Association “San Francisco Symphony Association” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco Symphony Association - Employee of San Francisco State University “Employee or Alumni of or student attending, San Francisco State University in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francisco State University - Employee of Federal “Employee, board member, or contracted associate of San Francisco Federal” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of Federal - Trustee or board member of Federal “Employee, board member, or contracted associate of San Francisco Federal” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Trustee or board member of Federal - Employee of San Francsico Unified School District - Work Location San Francisco (as written on the source page) “San Francsico Unified School District who work in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Employee of San Francsico Unified School District and Works at San Francisco ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Financial Fitness Association “Financial Fitness Association” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Member of Financial Fitness Association - Member of Vera Society Association “Vera Society Association” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Member of Vera Society Association ### Schools 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of San Francisco State University (as written on the source page) “Employee or Alumni of or student attending, San Francisco State University in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Student at San Francisco State University - Alumni of San Francisco State University (as written on the source page) “Employee or Alumni of or student attending, San Francisco State University in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Alumnus of San Francisco State University - Student of San Francisco State University “Employee or Alumni of or student attending, San Francisco State University in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Student at San Francisco State University - Alumni of San Francisco State University “Employee or Alumni of or student attending, San Francisco State University in San Francisco” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Alumnus of San Francisco State University ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family, spouse, household member “Immediate family member, spouse, or I reside in the same household as a San Francisco Federal Member” > [source ↗](https://www.sanfranciscofcu.com/membership/join-today) - Family member (immediate family, spouse, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for San Francisco Credit Union? Yes No ## Work at San Francisco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where San Francisco Credit Union ranks against California peers. - See which AI assistants fetched San Francisco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=san-francisco&state=california&code=CA&name=San%20Francisco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does San Francisco Credit Union offer? San Francisco Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are San Francisco Credit Union rates updated? RateAPI verifies San Francisco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get San Francisco Credit Union's rate data? Rate data is collected directly from San Francisco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is San Francisco Credit Union's mortgage rate? As of November 12, 2026, San Francisco Credit Union offers a 30-year fixed mortgage at 7.461% APR. ### Who can join San Francisco Credit Union? San Francisco Credit Union publishes its membership criteria on its own website. RateAPI tracks 20 published membership paths covering 1 county, 11 employers, 2 associations and 4 schools for San Francisco Credit Union, each quoted from San Francisco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare San Francisco Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.sanfranciscofcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track San Francisco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for San Francisco Credit Union curl "https://api.rateapi.dev/credit-unions/california /san-francisco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## San Francisco Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/san-francisco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp