Reflecting on a Season of Togetherness

Dear Members,

As the holiday season fills the air, it brings a special opportunity to pause and appreciate the connections that unite us. At San Francisco Federal Credit Union, we are grateful to serve you and to be part of your financial journey during this meaningful time of year.

This season is a time to celebrate togetherness, generosity, and the unique bonds that make our community so special. Whether it’s supporting families as they save for the future, funding students’ education, or backing the small businesses that enrich our neighborhoods, we take pride in being a partner in your journey.

We also take the opportunity at this time of year to reflect on the impact of your trust and membership. Each decision you make to bank with us fuels programs that uplift our city, empowering initiatives that bring meaningful change to the lives of many. Together, we are stronger, and together, we build a brighter future.

As we step into a new year, our commitment to you remains steadfast. We look forward to continuing to provide the financial tools and personalized service you deserve while expanding our efforts to give back to the communities we all cherish.

From all of us at SFFedCU, thank you for your trust and partnership. Wishing you and your loved ones a season filled with warmth, connection, and hope.

Warmest regards,
Ray Shams
CEO, San Francisco Federal Credit Union

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*Terms and Conditions: For all loans, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Rates, terms, and conditions are subject to change at any time. Minimum loan amount to qualify is $500, with a maximum of $10,000, at a term up to 24 months. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are never any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Promotion does not apply to Debt Consolidation Loans.