Benefits of Membership

The Federal Home Loan Bank of San Francisco serves and is owned by its member financial institutions, which include commercial bank, savings institution, credit union, thrift and loan, and insurance company members headquartered in Arizona, California, and Nevada. These 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

Please see our Member Profiles for examples of how some of our members use the Bank.