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Rates

Rates

Here’s where you can find the latest rates on savings accounts, mortgages and various loans for police, firefighters and the first responders we serve in California and beyond.

Savings Accounts

Regular Savings
Rates Effective: April 1, 2015
AccountMin to OpenMin. to Earn APYTermDividend RateAPY
Savings$25$25Open-Ended0.10%0.10%

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Current Fee Schedule
Regular Savings Terms and Conditions1

Tiered Savings
Rates Effective: April 1, 2015
AccountBalanceTermDividend RateAPY
Tiered Savings$0 - $14,999.99Open-ended0.10%0.10%
 $15,000 - $49,999.99Open-ended0.15%0.15%
 $50,000 and overOpen-ended0.20% 0.20%

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Current Fee Schedule
Tiered Savings Terms and Conditions1

Youth Accounts
Rates Effective: April 1, 2015
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Looney Tunes & OnScene Teen$25$25Open-ended0.10% 0.10%

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Current Fee Schedule
Youth Accounts Terms and Conditions1

Holiday Accounts
Rates Effective: April 1, 2015
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
HolidayNone$0Open-ended0.10% 0.10%

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Current Fee Schedule
Holiday Accounts Terms and Conditions1

Certificates
Rates Effective: April 1, 2015
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.20%0.20%
6 Month Certificate$5006 Months0.25%0.25%
1 Year Certificate$50012 Months0.40%0.40%
2 Year Certificate$50024 Months0.55%0.55%
3 Year Certificate$50036 Months0.90%0.90%
4 Year Certificate$50048 Months1.05%1.06%
5 Year Certificate$50060 Months1.50%1.51%

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Current Fee Schedule
Certificates Terms and Conditions1,2

Money Market Wealth Builder Account
Rates Effective: April 1, 2015
AccountBalanceTermDividend RateAPY
Money Market Wealth Builder$0 - $49,999.99Open-ended0.10%0.10%
 $50,000 - $99,999.99Open-ended0.25%0.25%
 $100,000 - $149,999.99Open-ended0.30%0.30%
 $150,000 and overOpen-ended0.35%0.35%

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Current Fee Schedule
Money Market Health Builder AccountTerms and Conditions1

1. GENERAL TERMS & CONDITIONS: The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

2. Certificates: Accounts are available for the range of days stated above. The APY assumes that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account. For current rates, yields or other information, call us at 800.222.1391

Open your SFPCU Account today through our online account application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Checking Accounts

Global ATM Checking
Rates Effective: April 1, 2015
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Global ATM Checking$25NoneOpen-ended0.10%0.10%

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Current Fee Schedule
Global ATM Checking Terms and Conditions1

Checking
Rates Effective: April 1, 2015
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
Global ATM Checking$25NoneOpen-ended0.10%0.10%
SFPCU Checking$25NoneOpen-ended0.10%0.10%
Balance Checking$25NoneOpen-ended0.00%None
Business Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Checking Terms and Conditions1

Business Checking
Rates Effective: April 1, 2015
AccountMin. to OpenMin to Earn APYTermDividend RateAPY
Business Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Business Checking Terms and Conditions1

Balance Checking
Rates Effective: April 1, 2015
AccountMin. to OpenMin. to Earn APYTermDividend RateAPY
Balance Checking$25NoneOpen-ended0.00%None

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Current Fee Schedule
Balance Checking Terms and Conditions1

1. Rates/yields may change after you open your account. Fees could reduce earnings on the account. Call for current rates at 415.564.3800 or 415.242.2142 - MemberLink. Above anticipated rates are subject to availability of funds. Dividends are calculated on the Daily Balance and paid monthly. Terms and conditions apply, see About Your Accounts (pdf 267 kb) for more information. Open your SFPCU Checking Account today through online account application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branch locations.

Credit Cards

Credit Cards
Rates Effective: April 1, 2015
ProductsAPRConditions
Platinum Visa9.25% - 18.00% Variable APR based on creditworthiness.
Share Secured7.50%Fixed APR

Full Terms and Conditions
*APR = Annual Percentage Rate.  Rates, fees and terms are subject to change at any time.

Share Secured credit cards are secured by a pledge of specific funds held on deposit in a share account.

IRAs

IRAs
Rates Effective: April 1, 2015
AccountMinimumTermDividend RateAPY
IRA Savings+$100None0.10%0.10%
1 - Year$50012 Months0.40%0.40%
2 - Year$50024 Months0.55%0.55%
3 - Year$50036 Months0.90%0.90%
4 - Year$50048 Months1.05%1.06%
5 - Year$50060 Months1.50%1.51%

Regular Savings Terms and Conditions1

1. Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Open your SFPCU Account today through our online account application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.


First Mortgage Loans

Conventional First Mortgage - Conforming Fixed
Rates Effective: April 24, 2015
Fixed LoansRateAPR*Points
30 Year Fixed Conforming4.250% 4.295% 0.000%
 4.000%4.126%1.000%
20 Year Fixed Conforming3.875%3.932%0.000%
 3.625%3.794%1.000%
15 Year Fixed Conforming3.250%3.307%0.000%
 3.000%3.199%1.000%
10 Year Fixed Conforming3.125%3.179%0.000%
30/7 Balloon Conforming3.000%3.019%0.000%
Conventional First Mortgage - Conforming ARM
Rates Effective: April 1, 2015
ARM LoansRateAPR* Points
3/1 ARM Treasury Conforming2.625%2.849%0.000%
3/1 ARM LIBOR Interest Only Conforming2.625%2.852%0.000%
5/1 ARM Treasury Conforming2.750%2.861%0.000%
5/1 ARM LIBOR Interest Only2.750%2.861%0.000%
7/1 ARM Treasury Conforming2.875%2.905%0.000%
7/1 ARM LIBOR Interest Only Conforming2.875%2.900%0.000%
Conventional First Mortgage - Jumbo Fixed
Rates Effective: April 24, 2015
Fixed Jumbo LoansRateAPR*Points
30 Year Fixed Jumbo4.375%4.413%0.000%
 4.125%4.245%1.000%
20 Year Fixed Jumbo4.125%4.164%0.000%
15 Year Fixed Jumbo3.500%3.555%0.000%
 3.250%3.448%1.000%
Conventional First Mortgage - Jumbo ARM
Rates Effective: April 24, 2015
ARM LoansRateAPR*Points
3/1 ARM Treasury Jumbo2.750%2.871%0.000%
3/1 ARM LIBOR Interest Only2.750%2.871%0.000%
5/1 ARM Treasury Jumbo2.875%2.899%0.000%
5/1 ARM LIBOR Interest Only Jumbo2.875%2.895%0.000%
7/1 ARM Treasury Jumbo3.000%3.040%0.000%
7/1 ARM LIBOR Interest Only Jumbo3.000%2.947%0.000%
ARM Indexes Conforming Loan Limits
Prime** 3.250% 1 - Unit $417,000.00
COFI 0.700% February 2015 2 - Unit $533,850.00
1-Year T 0.23% weekly 3 - Unit $645,300.00
  0.25% monthly 4 - Unit $801,950.00
1-Year LIBOR        0.699%       

*APR = Annual Percentage Rate. Example rate of 4.500% APR with 360 Monthly payments (30 year) = $506.69 monthly per $100,000 borrowed. The APRs listed are for illustrative purposes only; your actual APR may vary and will be determined when a credit decision is made. Adjustments may apply based upon credit history, occupancy, property type, loan-to-value percentage, and transaction type. No pre-payment penalty on early payoffs of loans. Rates, Terms and conditions are subject to change without notice.

Maximum combined Loan-to-value for owner-occupied properties is 80%. Maximum combined Loan-to-value for investment properties is 75%.

Investment Properties: For current rates & pricing, please contact our Financial Services Real Estate Officers at (415) 564-3800 or email us mortgages@sfpcu.org.

**As of July 30, 2014, the Prime Rate is 3.25%.

Apply for an SFPCU First Mortgage Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Home Equity

Home Equity Line of Credit
Rates Effective: April 24, 2015
Property TypeDraw/Repay Period APR
Owner Occupied Properties $10k - $300k 10-Year/20-Year3.500%*/Prime + Margin
Investment Properties $10k - $300k 10-Year/20-YearPrime + 1.000%**

Owner Occupied:* The fixed introductory rate is 3.50% APR for the first 24 month and valid on Owner Occupied Properties only (Investment properties and/or the refinancing of an existing HELOC secured by same property are not eligible). As of July 30, 2014, the Prime Rate is 3.25%. Rates thereafter based on Prime + Margin; The amount of the margin may vary, depending upon individual credit history; Quarterly adjustments; January, April, July, October; Floor Rate 4.00%; Ceiling Rate 15%; Maximum Combined Loan-to-value 80% Owner-occupied; A $100 inactivity fee will be imposed if the balance is $0.00 for 12 consecutive months. Administration fee: $250 if line closed within 1 year. Property insurance is required; flood insurance may be required. SFPCU will pay the flood determination, tax service, credit report and deed of trust recording fees only. The applicant will pay for all other fees, including the appraisal and title fees. Typical fees range from $200 - $1,600. Offer good for primary and second homes in California.

Investment Properties (Non-owner Occupied): **Rate based on Prime + 1.000% Margin. As of July 30, 2014, the Prime Rate is 3.25%. The amount of the margin may vary, depending upon individual credit history; Quarterly adjustments; January, April, July ,October; Floor Rate 4.00%; Ceiling Rate 15%; Maximum Combined Loan-to-value 75% Non-Owner-occupied; A $100 inactivity fee will be imposed if the balance is $0.00 for 12 consecutive months. Administration fee: $250 if line closed within 1 year. Property insurance is required; flood insurance may be required. SFPCU will pay the flood determination, tax service, credit report and deed of trust recording fees only. The applicant will pay for all other fees, including the appraisal and title fees. Typical fees range from $200 - $1,600.

Apply for an SFPCU Home Equity Line of Credit today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Home Equity Loan
Rates Effective: April 24, 2015
TermRateAPR*
5 Year4.500%4.683%
7 Year4.875%5.019%
10 Year5.000%5.106%
15 Year5.500%5.582%

*APR = Annual Percentage Rate. Example rate of 5.750% APR with 60 monthly payments (5 Year) = $192.17 monthly per $10,000 borrowed.

Loan limits $20,000 - $300,000. Rates apply to owner occupied properties only. Maximum combined Loan-to-value is 80%. Investment properties will have additional pricing adjustments; please call for a quote.

Apply for an SFPCU Home Equity Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Vehicle Loans

Auto Loans - New and Used
Rates Effective: April 1, 2015
TermAPR As Low As*
1-36 months1.74%
37-60 months1.99%
61-72 months2.49%
73-84 months3.49% $35k & over

NEW AUTO: 2014 or newer (7,500 miles or less). 73-84 month loan term with is only available for loans $35k and over.

USED AUTO: 2009 to 2014. 73-84 month loan term with is only available for loans $20k & over.

 

*APR = Annual Percentage Rate. Example rate of 1.74% APR with 36 monthly payments = $28.53 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments (fully indexed rate of 1.99%). Internal refinance will be subject to a 1.00% add on to your qualifying interest rate. +73-84 month New Auto loan requires a minimum loan amount of $35,000, Used Auto loan requires a minimum loan of $20,000. Rates quoted above assume excellent borrower history. Out-of-state vehicles are acceptable on dealer transactions only. Rates terms and conditions are subject to change without notice.

 

Auto Loans - Early Model Autos 1994 - 2008
Rates Effective: April 1, 2015
TermAPR as low as*
1-36 Month4.74%
37-60 months5.24%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest rate.  Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

100% of good value in CPI manual; Appraisal may be required. Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.

First Time Auto Buyer Loan
Rates Effective: April 1, 2015
LoanTerms and ConditionsTermAPR As Low As*
First-Time Auto Buyer LoanFinancing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book.1-60 Months5.99%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest rate.  Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an SFPCU First-Time Auto Buyer Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Motorcycle Loans
Rates Effective: April 1, 2015
LoanTerms and ConditionsTermAPR As Low As*
Motorcycles 2015Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 months2.99%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 months3.49%
Used MotorcyclesFinancing may include purchase price (based on cash price), tax, license, warranty, & GAP.1-36 Months3.99%
 Financing may include purchase price (based on cash price), tax, license, warranty, & GAP.37-60 Months4.49%

*APR = Annual Percentage Rate. Internal refinance will be subject to a 1.00% add on to your qualifying interest rate.  Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an SFPCU Motorcycle Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Sport and Recreational Vehicles
Rates Effective: April 1, 2015
LoanTerms and ConditionsTermAPR As Low As*
New or Used Boat/ Trailer/ Jet SkiNEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.1-60 months6.49%
 NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.61-72 months6.74%
 NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.73-84 months6.99%
 NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.85-120 months7.49% $35k & over
New or Used Motor Homes/ RVsNEW: 90% of purchase price.USED: 80% of appraised value on private party, dealer transactions or refinance.1-60 months6.74%
 NEW: 90% of purchase price.USED: 80% of appraised value on private party, dealer transactions or refinance.61-72 months6.99%
 NEW: 90% of purchase price.USED: 80% of appraised value on private party, dealer transactions or refinance.85-120 months7.49% $35k & over
New or Used Motor Homes/ RVs NEW: 90% of purchase price.USED: 80% of appraised value on private party, dealer transactions or refinance.73-84 months7.24%
New or Used Travel TrailerNEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.1-60 months6.74%
 NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.73-84 months7.24%
 NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.85-120 months7.49% $35k & over
New or Used Travel Trailer NEW: 80% of purchase price. USED: 75% of appraised value on private party, dealer transactions or refinance.61-72 months6.99%
New Mobile Home80% of purchase price; fees paid out of pocket. Must be in mobile home park or private property.180 months11.00%
Used Mobile Home80% of purchase price or appraised value; fees paid out of pocket. Must be in mobile home park or private property.180 months12.00%

+ Minimum Loan of $35,000 or higher.

*APR = Annual Percentage Rate. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Apply for an SFPCU RV and Boat Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches. For recreational purposes only, not to be used for financing of a primary residence.

Important Note - Recreational Vehicles Loans, for recreational purposes only and may not be used to finance a primary residence.- NEW BOAT/TRAILER/JET SKI: 80% of purchase price. USED BOAT/TRAILER/JET SKI: 75% of appraised value on private party, dealer transactions or refinance. NEW MOTOR HOMES/RVS: 90% of purchase price. USED MOTOR HOMES/RVS: 80% of appraised value on private party, dealer transactions or refinance. NEW TRAVEL TRAILER: 80% of purchase price. USED TRAVEL TRAILER: 75% of appraised value on private party, dealer transactions or refinance. Contact us for more details.

First Responder Loan

First Responder Loan
Rates Effective: April 1, 2015
Loan MaximumTermAPR As Low As*
$5,0001-24 Months2.50%

Only sworn or certified First Responders are eligible for this loan. Loan funds must be used to purchase first responder equipment, uniforms, supplies, K-9 accessories, etc.

* Example rate of 2.50% Annual Percentage Rate (APR) with 24 monthly payments = $42.77 per $1,000 borrowed. Rate, terms, and conditions are subject to change without notice.

Apply for an SFPCU First Responders Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Personal Loans

Personal Choice
Rates Effective: April 1, 2015
LoanLoan MaximumTermAPR As Low As*
Personal Choice Loan++$25,0001-36 months10.49%
 $25,00037-60 months11.49%
 $25,00061-72 months12.99% $15k & over

*APR = Annual Percentage Rate. Example rate of 10.49% with 36 monthly payments = $32.50 per $1,000 borrowed, assumes discount for enrollment in automatic payments (fully indexed rate of 10.74%). Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

++Maximum aggregate signature loan balances cannot exceed $25,000.00 per member. For more information, please contact our Loan Department at 800.222.1391

Apply for an SFPCU Personal Choice Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Overdraft Protection Loan
Rates Effective: April 1, 2015
LoanLoan MaximumTermAPR As Low As*
Overdraft Protection$2,0001-36 months12.99%

* APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply for an SFPCU Overdraft Protection Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Share Secured Loans
Rates Effective: April 1, 2015
LoanAPR As Low As*
Share Savings and Certificate Secured LoansUse your Savings or Certificate to secure a low-cost loan. The interest rate is just 3.00% above your Savings or Certificate rate. Savings Secured Loans are available for a maximum term of 60 months.

* APR = Annual Percentage Rate. Example rate of 3.50% with 60 monthly payments = $18.19 per $1,000 borrowed. Rates quoted above assume excellent borrower history and may include a discount of .25%. To qualify for this discount you must have an SFPCU deposit account from which your monthly loan payment is deducted. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality, longer terms, different loan types, and non-qualification for discounts may result in higher rates. Rates, terms, and conditions are subject to change without notice. For current rates or other information, call us at 800.222.1391.

Apply for an SFPCU Overdraft Protection Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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