Financial Products for City & County of San Francisco Employees

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As an employee of the City and County of San Francisco, you’re eligible for an exclusive suite of financial products and benefits tailored just for you. 

Open a New Checking Account:

• Receive a $300 cash bonus when you set up your SFFCU payroll direct deposit of at least $500 per month (*)
• Enjoy no monthly service fees with no minimum balance requirements

​Invest in a Certificate of Deposit:

• Benefit from a 0.50% increase in interest rate over our published rates on non-promotional accounts

Short-Term Loans:

• Emergency Relief Loan – Borrow up to $2,500 at a low 4.99% APR
• Short-Term Personal Loan – Borrow up to $1,000 at a 4.99% APR 

Personal and Debt Consolidation Loans:

• Receive a 1.00% rate discount; applied to the new qualifying loan’s interest rate

Auto Loans:

• Refinance your qualifying existing auto loan, currently secured by another financial institution, and enjoy a 0.50% rate discount, with a minimum floor rate of 5.50% (**)
• We will meet or beat your best financing terms, with a minimum floor rate of 5.50% (**), for qualifying loans

Mortgage Loans:

• Finance your primary residence with us and receive a $1,000 credit, plus reimbursement of your appraisal fee up to $600, upon funding of the mortgage loan

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City and County of San Francisco employees can combine our exclusive $1,000 closing cost credit, along with other offers to save even more when they buy or refinance a home.

Home Lending Benefits for Employees:

• Exclusive $1,000 closing credit - apply the $1,000 credit at closing on a new home purchase or refinance of an existing home loan.  

• $2,000 Chase VA Loan Purchase Closing Cost Benefit - this benefit is for employees who are servicemembers, veterans or members of the National Guard or Reserve.

• Relationship Pricing Program - employees may be eligible for a rate discount based on new and existing balances when buying a new home or refinancing. Max rate discounts apply.

• $5,000 Chase Closing Guarantee - Chase promises an on-time closing for eligible products in as soon as three weeks or your employees get $5,000, if they qualify.

• Chase Homebuyer Grant 
up to $7,500 - once a customer enrolls in the program and buys or sells a home with a participating agent, they may get up to $5,000 from HomeStory for each closing, based on the purchase price, if eligible.

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As part of our program, you have access to special rewards and offers made just for City and County of San Francisco employees. 

Open a New Checking Account:

• Earn up to $450 to put towards your 2025 goals when you open a new U.S. Bank Smartly® Checking account, add funds to your account and complete other qualifying activities.
• Enjoy no monthly service fees
• $0 ATM transaction fees at U.S. Bank ATMs and on first four Non-U.S. Bank ATM transactions per statement period 

Complimentary Greenlight with a checking account:

• With a Greenlight debit card, kids learn about smart spending with real-world experience managing their money. Parents can send money instantly, set flexible controls and get real-time notifications of all money activity.

Open a Savings Account:

• Enjoy competitive interest rates that grow as your balances grow.
• Unlock higher rates by adding a Bank Smartly® Checking or Safe Debit account.

Mortgage Loans:

• Getting pre-qualified is free and only takes a few minutes. This step involves a soft credit check and will not affect your credit score.
• A mortgage loan closing cost credit of 0.25% on your new first mortgage loan amount, up to a maximum of $1,000. 

Credit Cards:

• Whether you’re into cash back, travel rewards or a low introductory APR, U.S. Bank has credit cards for every lifestyle.

Safe Debit Account:

• Discover the perks of a checkless checking account including access to digital tools to help you spend and save wisely.