Credit Unions in San Francisco, CA
5 member-owned, NCUA-insured credit unions headquartered in or near San Francisco, serving a combined 53,624 members. The largest is San Francisco. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
San Francisco
San Francisco, CA🇺🇸
52,101 members
Credit Unions & BankingView details →Northeast Community
San Francisco, CA🇺🇸
903 members
Credit Unions & BankingView details →San Francisco Lee
SAN FRANCISCO, CA🇺🇸
531 members
Credit Unions & BankingView details →Delancey Street
SAN FRANCISCO, CA🇺🇸
88 members
Credit Unions & BankingView details →Haven
San Francisco, CA🇺🇸
1 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to San Francisco: they are based in or near San Francisco. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in San Francisco
10 more credit unions headquartered elsewhere have a branch in San Francisco, CA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
The Golden 1
SACRAMENTO, CA🇺🇸
1,199,691 members
Credit Unions & BankingView details →Patelco
Dublin, CA🇺🇸
542,150 members
Credit Unions & BankingView details →Redwood
Santa Rosa, CA🇺🇸
423,257 members
Credit Unions & BankingView details →American Airlines
Fort Worth, TX🇺🇸
374,627 members
Credit Unions & BankingView details →Self-Help
Durham, NC🇺🇸
146,774 members
Credit Unions & BankingView details →Provident
REDWOOD CITY, CA🇺🇸
134,059 members
Credit Unions & BankingView details →The Police
SAN BRUNO, CA🇺🇸
37,608 members
Credit Unions & BankingView details →I.L.W.U.
Long Beach, CA🇺🇸
30,417 members
Credit Unions & BankingView details →F3
SAN JOSE, CA🇺🇸
12,710 members
Credit Unions & BankingView details →Polam
Redwood City, CA🇺🇸
3,796 members
Credit Unions & BankingView details →- The Golden 1 — branch: 1560 3rd St San Francisco, CA 94158-2303
- Patelco — branches: 124 2nd St San Francisco, CA 94105; 1405 Noriega St San Francisco, CA 94122
- Redwood — branch: 1390 Market St Suite 109 San Francisco, CA 94102
- American Airlines — branch: San Francisco International Airport Terminal 1 Baggage Claim Level Near Carousel 5 San Francisco, CA 94128
- Self-Help — branch: 2430 Mission St San Francisco, CA 94110
- Provident — branches: 701 Sacramento St San Francisco, CA 94108-2504; 450 Golden Gate Ave Ste 2-0558 San Francisco, CA 94102-3433
- The Police — branches: 802 Bryant St San Francisco, CA 94103; 2400 Irving St San Francisco, CA 94122
- I.L.W.U. — branch: 400 N Point St San Francisco, CA 94133
- F3 — branch: 175 Mendell St San Francisco, CA 94124
- Polam — branch: 5923 Geary Blvd San Francisco, CA 94121-2006
How to join a credit union in California
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in San Francisco or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in San Francisco — common questions
How many credit unions are in San Francisco?
5 member-owned, NCUA-insured credit unions are headquartered in or near San Francisco, California, with a combined 53,624 members. The largest is San Francisco.
Are these the closest credit unions to me in San Francisco?
The first list is credit unions whose NCUA charter (headquarters) is based in or near San Francisco, geocoded to the city. The second list adds 10 more credit unions headquartered elsewhere that NCUA shows with a branch in San Francisco, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in San Francisco?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in California accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in San Francisco?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.