Personal Loans · San Francisco, California
4 credit unions in San Francisco report personal loan rates to the NCUA. Rates range from 9.13% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
9.13%
Lowest Rate
10.85%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | SAN FRANCISCO ★ 4.1 · 510 reviews | 9.13% | 9.51% |
| 2 | SAN FRANCISCO FIRE ★ 3.6 · 124 reviews | 9.25% | 10.75% |
| 3 | DELANCEY STREET ★ 4.1 · 510 reviews | 10.00% | — |
| 4 | NORTHEAST COMMUNITY ★ 4.2 · 13 reviews | 15.00% | — |
If you have high-rate credit card balances, a personal loan from a San Francisco credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.