Best Credit Unions in San Francisco, CA

Compare 11 credit unions companies serving San Francisco, California. Average rating: 4.3/5.

11 Companies 11 Rated Payday: Legal

California Lending Regulations

California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100 Agency: California Attorney General Consumer Protection

Top-Rated Credit Unions

San Francisco Federal Credit Union

San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.

4.5/5

Free BBB: NR

Best for: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service

Pacific Postal Credit Union

Pacific Postal Credit Union has rebranded to F3 Credit Union. The company is no longer operating under its original name and directs users to its new website.

4.4/5

Contact BBB: NR

Best for: Former Pacific Postal Credit Union members transitioning to F3 Credit Union, Users searching for the organization under its historical name

Provident Credit Union (San Francisco Community Branch)

Unable to verify. Website returned Error 403 - Forbidden, preventing access to company information, services, and details.

4.4/5

Contact BBB: NR

Best for: Consumers in San Francisco, California looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider

The Police Credit Union Bryant Street Branch

Credit union serving law enforcement and their communities with mortgages, auto loans, home improvement loans, and member benefits.

4.4/5

Contact BBB: NR

Best for: Law enforcement officers seeking mortgages, auto loans, and home improvement financing with specialized rates and products, First-time homebuying police officers eligible for the H.E.R.O. 0% down mortgage program

Northeast Community Federal Credit Union

Non-profit, federally insured community development credit union serving low-income families and small businesses across Northern California since 1981.

4.3/5

Contact BBB: NR

Best for: Low-income families in Northern California seeking credit building and community-embedded financial services, Small business owners in underserved communities requiring tailored lending and business account solutions

Patelco Credit Union San Francisco - Sunset

Patelco Credit Union's Sunset branch in San Francisco offers checking, savings, loans, mortgages, and investment services to credit union members with local branch banking.

4.3/5

Contact BBB: NR

Best for: San Francisco residents and community members seeking comprehensive personal banking with local branch support, First-time homebuyers and current homeowners exploring purchase or refinancing with mortgage specialist guidance

All Credit Unions in San Francisco (11)

San Francisco Federal Credit Union

San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.

4.5/5

Free BBB: NR

Best for: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service

Pacific Postal Credit Union

Pacific Postal Credit Union has rebranded to F3 Credit Union. The company is no longer operating under its original name and directs users to its new website.

4.4/5

Contact BBB: NR

Best for: Former Pacific Postal Credit Union members transitioning to F3 Credit Union, Users searching for the organization under its historical name

Provident Credit Union (San Francisco Community Branch)

Unable to verify. Website returned Error 403 - Forbidden, preventing access to company information, services, and details.

4.4/5

Contact BBB: NR

Best for: Consumers in San Francisco, California looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider

The Police Credit Union Bryant Street Branch

Credit union serving law enforcement and their communities with mortgages, auto loans, home improvement loans, and member benefits.

4.4/5

Contact BBB: NR

Best for: Law enforcement officers seeking mortgages, auto loans, and home improvement financing with specialized rates and products, First-time homebuying police officers eligible for the H.E.R.O. 0% down mortgage program

Northeast Community Federal Credit Union

Non-profit, federally insured community development credit union serving low-income families and small businesses across Northern California since 1981.

4.3/5

Contact BBB: NR

Best for: Low-income families in Northern California seeking credit building and community-embedded financial services, Small business owners in underserved communities requiring tailored lending and business account solutions

Patelco Credit Union San Francisco - Sunset

Patelco Credit Union's Sunset branch in San Francisco offers checking, savings, loans, mortgages, and investment services to credit union members with local branch banking.

4.3/5

Contact BBB: NR

Best for: San Francisco residents and community members seeking comprehensive personal banking with local branch support, First-time homebuyers and current homeowners exploring purchase or refinancing with mortgage specialist guidance

Redwood Credit Union

Redwood Credit Union is a member-owned financial institution offering checking, savings, loans, and digital banking services with physical branches including San Francisco.

4.3/5

Contact BBB: NR

Best for: San Francisco Bay Area residents seeking full-service banking with local branch support, Spanish-speaking consumers who value bilingual banking services and support

SF Fire Credit Union

SF Fire Credit Union is a Bay Area-based credit union serving firefighters and the general public since 1948, offering checking, savings, loans, mortgages, and investment services with no minimum balance requirements.

4.3/5

Contact BBB: NR

Best for: Bay Area residents seeking no-fee checking with no minimum balance requirements, Firefighters and public safety personnel seeking community-based financial services with member ownership benefits

The Police Credit Union Irving Street Branch

Credit union serving law enforcement officers and their communities with auto loans, mortgages, home improvement financing, and member benefits including debt forgiveness programs.

4.3/5

Contact BBB: NR

Best for: Active and retired law enforcement officers seeking specialized loan products designed for their profession, Law enforcement employees needing equipment financing through the 10-Eight Loan program

Patelco Credit Union San Francisco - Main

Patelco Credit Union's San Francisco Downtown branch offers full-service banking including checking, savings, loans, mortgages, and investment services to credit union members.

4.1/5

Contact BBB: NR

Best for: San Francisco financial district workers seeking convenient downtown branch access during business hours, Spanish-speaking homebuyers in the Bay Area prioritizing bilingual mortgage guidance

Provident Credit Union San Francisco (Federal Building Community Branch)

Unable to verify profile. Website access blocked with 403 Forbidden error. Cannot confirm current services, locations, or operational details.

4.1/5

Contact BBB: NR

Best for: Consumers in San Francisco, California looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider