Advancing Financial Wellbeing for Communities Across California
Low-Income Financial Empowerment (LIFE) Program
Special financial products designed to help low-income members build credit, save money, and achieve financial stability.
Matched Savings
We match your savings dollar-for-dollar up to $500 annually through our $75,000 matched savings pool.
Emergency Loans
Low-interest emergency loans with flexible repayment terms to help you through tough times.
Financial Coaching
Free one-on-one financial coaching and workshops to help you achieve your financial goals.
Serving Communities Across California
Our Locations
What We Do
Community Partnerships
Through innovative programs like credit rebuilding workshops, community small business financing, and partnering with local organizations and utilities, we equip families and local leaders with the tools to foster economic literacy and build resilient neighborhoods.
Certified CDFI
As a U.S. Department of the Treasury-certified CDFI, we drive grassroots development by connecting members to resources like free tax support and surcharge-free ATMs, creating a ripple effect of prosperity across our counties.
Financial Empowerment
We provide accessible financial services designed specifically for low-to-moderate income individuals and families, helping them build assets, establish credit, and achieve long-term financial stability.
Our Values
Community Commitment
Low-income financial empowerment fuels our mission, embedding us in the heart of low-income neighborhoods where we prioritize inclusive access and collective strength to uplift every voice.
Integrity & Trust
Integrity and trust define our foundation, ensuring transparent, federally-insured services that safeguard futures and inspire unwavering confidence in our shared journey.
Innovation for Impact
Innovation for impact propels us forward, blending over 40 years of expertise with a customized approach to empower sustainable growth and turn community challenges into enduring opportunities.
Small Business Resources
Microloans
Small business loans from $500 to $50,000 with flexible terms and low interest rates.
Cash Flow Management
Free workshops and one-on-one coaching to help you manage your business finances.
Bookkeeping Assistance
Resources and tools to help you maintain accurate financial records for your business.
Financial Wellness Center
Workshops & Events
Credit Building 101
October 15, 2026 | 6:00 PM - 7:30 PM
Learn strategies to establish and improve your credit score.
Homebuyer Education
November 5, 2026 | 10:00 AM - 12:00 PM
Understand the home buying process and available assistance programs.
Small Business Financing
November 20, 2026 | 5:30 PM - 7:00 PM
Explore funding options for your small business.
Digital Tools
AI Financial Coach
Get personalized financial guidance anytime with our AI-powered financial coach. Answer a few questions to get customized recommendations.
Our Impact
In financing assistance
Small businesses supported
Financial education participants
Years serving our community
Spotlight
Annual Financial Literacy Fair
October 10, 2026
Small Business Workshop Series
Ongoing through December 2026
Community Volunteer Day
November 15, 2026
Frequently Asked Questions
Membership is open to anyone who lives, works, worships, or attends school in San Francisco, San Mateo, Sacramento, Sutter, or Yuba counties. We also welcome family members of current members and employees of select employer groups.
As a not-for-profit credit union, we return profits to our members in the form of better rates, lower fees, and improved services. Our focus is on serving our members rather than maximizing profits for shareholders. We're also a Community Development Financial Institution (CDFI), which means we're specifically focused on serving low-to-moderate income communities.
The LIFE program is available to members who meet low-income guidelines (typically below 80% of area median income). You'll need to provide documentation of income when applying. Once enrolled, you'll have access to special savings programs, lower loan rates, and financial coaching services.
We provide services in English, Spanish, and Chinese (both Cantonese and Mandarin). Many of our financial education materials are available in all three languages, and we have staff members who are fluent in each language at our branches.
Location, Contact and Hours of Operation
Main Branch – Chinatown
127 Waverly Pl
San Francisco, CA 94108
Tel: (415) 434-3738
Fax: (415) 434-3772
Monday – Friday: 9:00AM to 5:00PM
Ingleside Branch
795 Arleta Ave
San Francisco, CA 94127
Tel: (415)-917-2263
Fax: (415)-447-7900
Monday – Friday: 10:00AM to 4:00PM
Every 1st and 3rd Sat of the month: 10:00AM to 2:00PM
Sacramento Branch – CalAlliance
3600 Auburn Blvd
Sacramento, CA 95821
Tel: (279) 222-4977
Monday – Friday: 9:00AM to 4:00PM