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Safe 1 Credit Union

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Safe 1 Credit Union Rates & Review November 2026

Q: What are the current interest rates at Safe 1 Credit Union?

Current rates for Safe 1 Credit Union include: 12-Month CD: 1.25%, 24-Month CD: 1.75%, Savings: 3.25%

Q: What CD terms does Safe 1 Credit Union offer?

Safe 1 Credit Union CD rates are 1.75% APY for an 11 month CD, 3.92% APY for a 12 month CD, 2.25% APY for a 23 month CD and 1.75% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Safe 1 Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Safe 1 Credit Union's 12-Month Variable Rate CD rates are at 3.92%, 12 - 23 Month CD - Relationship Rewards rates are at 2.25%, 12 - 23 month CD - Relationship Rewards! rates are at 2.25%, 12 - 23 Month CD rates are at 1.75%, 6 - 11 Month CD - Relationship Rewards rates are at 1.75%. Safe 1 Credit Union's savings rates are at 3.25%. Safe 1 Credit Union's checking rates are as high as 0.05%. Safe 1 Credit Union's Home Loan - 10-Year Fixed Rate rates are at 5.25%, Home Loan - 15-Year Fixed Rate rates are at 5.50%, Home Loan - 20-Year Fixed Rate rates are at 5.75%, Home Loan - 30-Year Fixed Rate rates are at 6.00%. Safe 1 Credit Union's Personal Loan Rates are as low as 7.90%. Safe 1 Credit Union's Credit Card Rates are at 11.50%. Safe 1 Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.69%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Safe 1 Credit Union
Main Office

1400 Mill Rock Way
Bakersfield, CA 93311

https://safe1.org

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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
7-Month Special Certificate - Relationship Rewards!	-	4.25%	7 Months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
15-Month Special Certificate - Relationship Rewards!	-	4.00%	15 Months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
12-Month Variable Rate Certificate	3.85%	3.92%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Variable rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
7-Month Special Certificate	3.69%	3.75%	7 Months
Min Deposit $1,000 Min Balance $1,000 Details Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
15-Month Special Certificate	3.44%	3.50%	15 Months
Min Deposit $1,000 Min Balance $1,000 Details Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
20-Month IRA Certificate - Relationship Rewards	-	3.50%	20 Months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
20-Month IRA Certificate	2.96%	3.00%	20 Months
Min Deposit $1,000 Min Balance $1,000 Details Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
12 - 23 Month Certificate - Relationship Rewards	-	2.25%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
12 - 23 month Certificate - Relationship Rewards!	-	2.25%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 12 - 23 Month Certificate - Relationship Rewards	-	2.25%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
24-Month Bump-Up Certificate	1.98%	2.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Variable; One-time bump-up option to the then-current dividend rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
12 - 23 Month Certificate	1.74%	1.75%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
6 - 11 Month Certificate - Relationship Rewards	-	1.75%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
6 - 11 month Certificate - Relationship Rewards!	-	1.75%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 12 - 23 Month Certificate	1.74%	1.75%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 6 - 11 Month Certificate - Relationship Rewards	-	1.75%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
3 - 5 Month Certificate - Relationship Rewards	-	1.50%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
3 - 5 month Certificate - Relationship Rewards!	-	1.50%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 3 - 5 Month Certificate - Relationship Rewards	-	1.50%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Relationship Rewards! APY; Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
6 - 11 Month Certificate	1.24%	1.25%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 6 - 11 Month Certificate	1.24%	1.25%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
3 - 5 Month Certificate	0.99%	1.00%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed rate; Dividends paid monthly; Subject to penalties for early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
IRA 3 - 5 Month Certificate	0.99%	1.00%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Rate type: Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Savings Rates

Product	Rate	APY
Money Market Savings - Relationship Rewards	-	3.25%
Min Deposit $2,500 Min Balance $250,000 Details Relationship Rewards!; Balance: $250,000 and over; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	2.25%
Min Deposit $2,500 Min Balance $100,000 Details Relationship Rewards!; Balance: $100,000 - $249,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.75%
Min Deposit $2,500 Min Balance $50,000 Details Relationship Rewards!; Balance: $50,000 - $99,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	1.24%	1.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $2,500 Details Relationship Rewards!; Balance: $2,500 - $9,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Relationship Rewards!; Balance: $10,000 - $24,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $25,000 Details Relationship Rewards!; Balance: $25,000 - $49,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Individual Retirement Account (IRA) Club	0.15%	0.15%
Min Deposit $50 Min Balance $50 Details Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Club Account	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Dividends paid quarterly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Dividends paid quarterly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings - Relationship Rewards	-	3.25%
Min Deposit $2,500 Min Balance $250,000 Details Relationship Rewards!; Balance: $250,000 and over; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	2.25%
Min Deposit $2,500 Min Balance $100,000 Details Relationship Rewards!; Balance: $100,000 - $249,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.75%
Min Deposit $2,500 Min Balance $50,000 Details Relationship Rewards!; Balance: $50,000 - $99,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	1.24%	1.25%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $2,500 Details Relationship Rewards!; Balance: $2,500 - $9,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $10,000 Details Relationship Rewards!; Balance: $10,000 - $24,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings - Relationship Rewards	-	1.00%
Min Deposit $2,500 Min Balance $25,000 Details Relationship Rewards!; Balance: $25,000 - $49,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Money Market Savings	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.05%	0.05%
Min Deposit $0 Min Balance $5,000 Details Dividends paid monthly; Rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Loan - 10-Year Fixed Rate	5.25%	-	5.448%	10 years
Details Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Loan - 15-Year Fixed Rate	5.50%	-	5.64%	15 years
Details Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Loan - 20-Year Fixed Rate	5.75%	-	5.862%	20 years
Details Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Loan - 30-Year Fixed Rate	6.00%	-	6.085%	30 years
Details Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	6.50%	-	6.50%
Details Fees: $0; Loan-to-Value: Up to 80%; Loan Amounts: $10,000 - $200,000; Monthly Payment Per $10,000: $120.00; Variable rate based on Prime; APR based upon applicant's credit score; 10-year draw period, 15-year repayment period Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 22, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Loan - 12-Year Fixed Rate	6.50%	-	6.50%	12 years
Details Fees: $0; Loan-to-Value: Up to 90%; Loan Amounts: $10,000 - $125,000; Monthly Payment Per $10,000: $100.19; Home Improvement Loan (*) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Loan - 20-Year Fixed Rate	6.75%	-	6.75%	20 years
Details Fees: $0; Loan-to-Value: Up to 80%; Loan Amounts: $10,000 - $200,000; Monthly Payment Per $10,000: $76.04 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Home Equity Loan - 12-Year Fixed Rate	7.00%	-	7.00%	12 years
Details Fees: $0; Loan-to-Value: Up to 100%; Loan Amounts: $10,000 - $75,000; Monthly Payment Per $10,000: $102.84; Home Improvement Loan (*) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (2022 or newer)	-	-	4.99%	66 months
Details APR range: 4.99% - 14.99% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Auto (2022 or newer)	-	-	5.24%	75 months
Details APR range: 5.24% - 10.24% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Auto (2021 or older)	-	-	5.24%	66 months
Details APR range: 5.24% - 15.24% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Auto (2021 or older)	-	-	5.49%	75 months
Details APR range: 5.49% - 10.74% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Auto (2022 or newer)	-	-	5.74%	84 months
Details APR range: 5.74% - 6.49% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Auto (2021 or older)	-	-	6.24%	84 months
Details APR range: 6.24% - 6.74% Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	6.24%	36 months
Details APR range: 6.24% - 17.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Motorcycle Loan	-	6.74%	48 months
Details APR range: 6.74% - 18.24% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Recreational Vehicle Loan	-	6.74%	72 months
Details APR range: 6.74% - 18.49% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Motorcycle Loan	-	6.99%	60 months
Details APR range: 6.99% - 18.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Recreational Vehicle Loan	-	6.99%	84 months
Details APR range: 6.99% - 19.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Motorcycle Loan	-	7.24%	72 months
Details APR range: 7.24% - 19.24% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Motorcycle Loan	-	7.24%	36 months
Details APR range: 7.24% - 18.24% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Recreational Vehicle Loan	-	7.24%	72 months
Details APR range: 7.24% - 18.99% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Recreational Vehicle Loan	-	7.49%	84 months
Details APR range: 7.49% - 20.24% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Motorcycle Loan	-	7.74%	48 months
Details APR range: 7.74% - 18.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Motorcycle Loan	-	7.99%	60 months
Details APR range: 7.99% - 19.24% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Recreational Vehicle Loan	-	8.24%	96 months
Details APR range: 8.24% - 20.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Motorcycle Loan	-	8.24%	72 months
Details APR range: 8.24% - 19.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Recreational Vehicle Loan	-	8.74%	120 months
Details APR range: 8.74% - 20.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Recreational Vehicle Loan	-	8.74%	96 months
Details APR range: 8.74% - 21.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Recreational Vehicle Loan	-	9.24%	120 months
Details APR range: 9.24% - 21.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
New Recreational Vehicle Loan	-	9.74%	180 months
Details APR range: 9.74% - 20.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Used Recreational Vehicle Loan	-	10.74%	144 months
Details APR range: 10.74% - 21.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Credit Card Rates

Product	Rate	APR
Mastercard Platinum	-	11.50%
Details APR range: 11.50% - 19.75%; Rates vary based on creditworthiness; APR varies with the market based upon Prime Rate; applies to purchases, balance transfers, and cash advances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Oct 19, 202611.50%▲ from 11.25% Sep 14, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Mastercard Platinum Rewards	-	13.50%
Details APR range: 13.50% - 21.75%; Rates vary based on creditworthiness; APR varies with the market based upon Prime Rate; applies to purchases, balance transfers, and cash advances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.25% → 13.50% ▲ 0.25 pts · high 13.50% / low 13.25% Oct 19, 202613.50%▲ from 13.25% Sep 14, 202613.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Safe 1 Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.90%	12 months
Details APR range: 7.90% - 16.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal Loan	8.90%	24 months
Details APR range: 8.90% - 17.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal Loan	9.90%	36 months
Details APR range: 9.90% - 18.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal Loan	10.90%	48 months
Details APR range: 10.90% - 19.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal Loan	11.90%	60 months
Details APR range: 11.90% - 20.90% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
Personal Line of Credit	14.74%
Details APR range: 14.74% - 25.74%; Revolving; APR will vary with the market, based upon Prime Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 14.74% APR · checked 4 times 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
12 - 23 Months Certificate	1.74%	-	1.75%	12-23 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
3 - 5 Months Certificate	0.99%	-	1.00%	3-5 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%
6 - 11 Months Certificate	1.24%	-	1.25%	6-11 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed; Dividends paid monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Credit Union Profile & Overview

Credit Union Name Safe 1 Credit Union

Website https://safe1.org

Address 1400 Mill Rock Way, Bakersfield, CA 93311

Phone 661-327-3818

Fax 661-663-8539

President Richard Ruiz

CEO David King

Full-Time Employees 140

Part-Time Employees 9

Branch Locations 11

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.69%

Return on Assets (ROA)

0.8695%

Return on Equity (ROE)

5.4245%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

1,161,361,378

Total Amount of Shares and Deposits

963,791,455

Total Shares and Deposits < 1 Year

934,225,955

Total Shares and Deposits 1 3 Years

29,565,500

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

2026 MBR Health & Safety Badge

Safe 1 Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Safe 1 Credit Union

Frequently Asked Questions About Safe 1 Credit Union

Does Safe 1 Credit Union offer CDs?

Yes. Safe 1 Credit Union current CD rates include its 12-Month Variable Rate CD at 3.92% APY, its 12 - 23 Month CD - Relationship Rewards at 2.25% APY and its 12 - 23 month CD - Relationship Rewards! at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Safe 1 Credit Union NCUA insured?

Yes. Safe 1 Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Safe 1 Credit Union?

The highest Safe 1 Credit Union CD rate is its 7-Month Special CD - Relationship Rewards! at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Safe 1 Credit Union offer?

Safe 1 Credit Union CD rates are 1.75% APY for an 11 month CD, 3.92% APY for a 12 month CD, 2.25% APY for a 23 month CD and 1.75% APY for a 2 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Safe 1 Credit Union for its full lineup.

What is the highest savings rate at Safe 1 Credit Union?

The highest Safe 1 Credit Union savings rate is its Savings at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Safe 1 Credit Union?

The highest Safe 1 Credit Union money market rate is its Money Market Savings - Relationship Rewards at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Safe 1 Credit Union?

The highest Safe 1 Credit Union checking rate is its Checking at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Safe 1 Credit Union?

The lowest Safe 1 Credit Union 30 year fixed mortgage rate is its Home Loan - 30-Year Fixed Rate at 6.00%, verified by MonitorBankRates as of October 29, 2026. Safe 1 Credit Union mortgage rates are 6.00% for a 30 year mortgage, 5.75% for a 20 year mortgage, 5.50% for a 15 year mortgage and 5.25% for a 10 year mortgage.

What is the lowest auto loan rate at Safe 1 Credit Union?

The lowest Safe 1 Credit Union auto loan rate is its New Auto (2022 or newer) at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Safe 1 Credit Union?

The lowest Safe 1 Credit Union personal loan rate is its Personal Loan at 7.90% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Safe 1 Credit Union?

The lowest Safe 1 Credit Union credit card APR is its Mastercard Platinum Credit Card at 11.50% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Safe 1 Credit Union rates compare?

Safe 1 Credit Union's CD rates are 10% higher than the MonitorBankRates national average, and it has an A+ health rating. Safe 1 Credit Union's top rates are its 7-Month Special CD - Relationship Rewards! at 4.25% APY, its Money Market Savings - Relationship Rewards at 3.25% APY, its Checking at 0.05% APY, its Home Loan - 10-Year Fixed Rate at 5.25%, its Personal Loan at 7.90% APR and its Mastercard Platinum Credit Card at 11.50% APR, verified by MonitorBankRates on October 29, 2026.

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.

Compare to Other Credit Unions

Safe 1 Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Safe 1 Credit Union Texas Ratio

Safe 1 Credit Union Health Trend

Safe 1 Credit Union CD Rates

Safe 1 Credit Union Savings Rates

Safe 1 Credit Union Money Market Rates

Safe 1 Credit Union Checking Rates

Safe 1 Credit Union Mortgage Rates

Safe 1 Credit Union Home Equity & HELOC

Safe 1 Credit Union Auto Loan Rates

Safe 1 Credit Union RV, Boat and Powersport Loan Rates

Safe 1 Credit Union Credit Card Rates

Safe 1 Credit Union Personal Loan Rates

Safe 1 Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Safe 1 Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Safe 1 Credit Union

Does Safe 1 Credit Union offer CDs?

Are CDs from Safe 1 Credit Union NCUA insured?

What is the highest CD rate at Safe 1 Credit Union?

What CD terms does Safe 1 Credit Union offer?

What is the highest savings rate at Safe 1 Credit Union?

What is the highest money market rate at Safe 1 Credit Union?

What is the highest checking rate at Safe 1 Credit Union?

What is the lowest 30 year fixed mortgage rate at Safe 1 Credit Union?

What is the lowest auto loan rate at Safe 1 Credit Union?

What is the lowest personal loan rate at Safe 1 Credit Union?

What is the lowest credit card APR at Safe 1 Credit Union?

How many branches does Safe 1 Credit Union operate?

Is a member application needed to join Safe 1 Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Safe 1 Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Safe 1 Credit Union rates compare?

Current Safe 1 Credit Union Rates

Compare to Other Credit Unions