Membership

At FHLBank San Francisco, we are dedicated to supporting local financial institutions in a shared mission to foster economic growth and resilience in our communities.

Financial Benefits

We provide members with reliable access to low-cost liquidity, essential financial services, and strategic expertise so they can better manage their business and support of affordable housing financing and economic development initiatives.

Quick and Reliable Liquidity

As cooperative owners, members can access low-cost funds secured through capital markets by FHLBank San Francisco – and act or pivot quickly, no matter the business cycle.

Our AAA/AA+ Rating

The industry’s lowest risk credit rating secures the low-cost funds for member use and can be leveraged by members to support obligations to their partners through Letters of Credit.

Quarterly Dividends

The Bank endeavors to pay a quarterly dividend rate that is equal to or greater than the current market rate.

Community Benefits

FHLBank San Francisco is passionate about helping our members achieve their own community support goals and offers access to millions of dollars in grants to address critical affordable housing, sustainable homeownership, and economic opportunity needs in the communities they serve.

Discounted Community Credit

Our Community Investment Program (CIP) and Advances for Community Enterprise (ACE) products offer lower-rate advances and letters of credit to members in support of eligible affordable housing financing and economic development initiatives.

Grants for Your Community

As a member, you can help close resource gaps in underserved communities while achieving your community outreach and impact goals by participating in our affordable housing, sustainable homeownership, and economic development grant programs.

Advancing Racial Equity

Learn about our voluntary initiatives aimed at addressing structural barriers to racial equity in homeownership and wealth-building.

Learn More

Experts and Resources

Strategy through execution, our proven experts and resources enable members’ goals across diverse needs. We are passionate about, and proven in, propelling operational and financial success.

Impact Stories

Spirit of Resilience on Marvel Way

In Reno, a sober living community with permanent supportive housing is improving lives with help of an AHP grant awarded with Pacific Premier Bank.

WISH|27 Feb, 2024

Doris Ealy Finds Home

Grandmother buys home with assist from homebuyer education and WISH Program downpayment assistance delivered by a member.

AHEAD|15 Mar, 2024

Helping Young Adults Find Career Success in the Creative Arts

Member Eligibility and Approval

FHLBank San Francisco welcomes financial institutions across Arizona, California, and Nevada with tools and resources to address risk and liquidity, and to help local communities propser.

step 1

Verify Eligibility

Review membership eligibility and application requirements.

step 2

Review Capital Plan

Plan for the investment in Bank capital stock required for membership.

step 3

Reach out via email or call (415) 616-2500 to initiate your application.

step 4

Match with an Expert

Once you reach out, you'll be matched with a Relationship Manager to guide you through the application process.

You Belong Here - Join TodayWe welcome your financial institution to join the hundreds of banks, saving institutions, credit unions, insurance companies, and community development financial institutions (CDFIs) that help communities thrive.