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Safe 1 Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Safe 1 Credit Union's top rates as of October 9, 2026 are 3.92% APY on its 12 Month Variable Rate CD, 3.25% APY on savings, 0.05% APY on checking, 5.25% on its 10-Year Fixed Rate Home Loan mortgage, personal loans from 7.90% APR, and credit cards from 11.25% APR, according to rates verified by MonitorBankRates. Other Safe 1 Credit Union CD rates include 7-Month Special CD at 3.75%, 15-Month Special CD at 3.50%, and 20-Month IRA CD at 3.00%. Other Safe 1 Credit Union mortgage rates include 15-Year Fixed Rate Home Loan at 5.50%, 20-Year Fixed Rate Home Loan at 5.75%, and 30-Year Fixed Rate Home Loan at 6.00%. MonitorBankRates evaluates the financial stability of Safe 1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.69%. Rates last updated and verified on 10/09/2026.
Safe 1 Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Safe 1 Credit Union? Share your experience about Safe 1 Credit Union by leaving a review below, or read customer reviews before you decide to use Safe 1 Credit Union.
Safe 1 Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Safe 1 Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.69%
ExcellentLower than avg
Safe 1 Credit Union Texas Ratio
Safe 1 Credit Union's Texas Ratio is 1.69%, which is considered excellent and is lower than the national average of 6.13%.
Safe 1 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.92% to 1.69% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Safe 1 Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Variable Rate Certificate
3.85%
3.92%
12 Month
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.92% ▲ 0.15 pts · high 3.92% / low 3.77%
Oct 9, 20263.92%▲ from 3.77%
Sep 14, 20263.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
7-Month Special Certificate
3.69%
3.75%
7-Month
DetailsRELATIONSHIP REWARDS!*: 4.25%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
15-Month Special Certificate
3.44%
3.50%
15-Month
DetailsRELATIONSHIP REWARDS!*: 4.00%
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
20-Month IRA Certificate
2.96%
3.00%
20-Month
DetailsRelationship Rewards! APY: 3.50%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00%
No change since Sep 14, 2026 · 13.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Safe 1 Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
7.90%
12 months
DetailsPublished APR range: 7.90% - 16.90%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Personal Loan
8.90%
24 months
DetailsPublished APR range: 8.90% - 17.90%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Personal Loan
9.90%
36 months
DetailsPublished APR range: 9.90% - 18.90%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Personal Loan
10.90%
48 months
DetailsPublished APR range: 10.90% - 19.90%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Personal Loan
11.90%
60 months
DetailsPublished APR range: 11.90% - 20.90%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Personal Line of Credit
14.74%
Revolving
DetailsPublished APR range: 14.74% - 25.74%.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49%
Oct 9, 202614.74%▲ from 14.49%
Sep 14, 202614.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Safe 1 Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
12-23 Month Certificate
1.74%
-
1.75%
12-23 months
DetailsRELATIONSHIP REWARDS!*: 2.25%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
3-5 Month Certificate
0.99%
-
1.00%
3-5 months
DetailsRELATIONSHIP REWARDS!*: 1.50%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
6-11 Month Certificate
1.24%
-
1.25%
6-11 months
DetailsRELATIONSHIP REWARDS!*: 1.75%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards
3.25%
-
3.25%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
Financial Health History
Safe 1 Credit Union’s Texas Ratio stayed near 1.92% in Q3 2023 to 1.69% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.2B
1.69%
5.0
A+
March 31, 2026
$1.1B
1.40%
5.0
A+
December 31, 2025
$1.1B
1.75%
5.0
A+
September 30, 2025
$1.1B
1.41%
5.0
A+
June 30, 2025
$1.1B
1.78%
5.0
A+
March 31, 2025
$1.1B
1.47%
5.0
A+
December 31, 2024
$1.0B
2.51%
5.0
A+
September 30, 2024
$976M
2.47%
5.0
A+
June 30, 2024
$1.0B
2.35%
5.0
A+
March 31, 2024
$1.0B
2.13%
5.0
A+
December 31, 2023
$1.0B
2.35%
5.0
A+
September 30, 2023
$973M
1.92%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Safe 1 Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Safe 1 Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Safe 1 Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,884,430
Total Uninsured Shares and Deposits > $250K (F+J)
16,884,430
Total Insured Shares and Deposits > $250K (item 17 less item K)
946,907,025
Total Interest Expense (Sum of items 6 8)
7,405,937
Share Certificates
7,789
Number of Accounts for Share Drafts
54,396
IRA KEOGH Accounts
1,044
Number of Accounts for Regular Shares
102,568
Money Market Shares
821
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
101,260,061
Total Liabilities
975,623,140
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Safe 1 Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Safe 1 Credit Union
Frequently Asked Questions About Safe 1 Credit Union
How many branches does Safe 1 Credit Union operate?
Safe 1 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Safe 1 Credit Union?
Yes, to access services at Safe 1 Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Safe 1 Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Safe 1 Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Safe 1 Credit Union offer online and mobile banking?
Most modern institutions like Safe 1 Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://safe1.org.
Current Safe 1 Credit Union Rates
12-Month CD1.25%
24-Month CD1.75%
Savings3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
