Benefits of Membership

The Federal Home Loan Bank of San Francisco serves and is owned by member financial institutions headquartered in Arizona, California, and Nevada. The Bank’s members may include commercial banks, federally insured credit unions, savings institutions, thrift & loan companies, and insurance companies, as well as community development loan funds, venture capital funds, and privately insured, state-chartered credit unions that are certified as Community Development Financial Institutions (CDFIs) by the CDFI Fund of the U.S. Department of the Treasury.
 
Members use their access to the Bank’s innovative and competitively priced products to:

• offer credit products that meet the needs of their customers
• lower their cost of funds
• enhance their asset/liability management
• hold less liquidity on their books
• reduce their exposure to interest rate risk, basis risk, and prepayment risk

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