What are the current interest rates at SAFE Credit Union?

Current rates for SAFE Credit Union include: 12-Month CD: 2.43%, 18-Month CD: 2.43%, 24-Month CD: 2.68%, 60-Month CD: 3.20%, Savings: 0.05%, MMA: 0.05%

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SAFE Credit Union

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SAFE Credit Union Rates & Review March 2026

Q: How many branches does SAFE Credit Union operate?

SAFE 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.

Q: Is a member application needed to join SAFE Credit Union?

Yes, to access services at SAFE 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.

Q: Is there a first-time homebuyer program?

Currently, SAFE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SAFE Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

SAFE Credit Union's 60 Month CDs rates are at 3.25%, 60 Month CDs rates are at 3.20%, 48 Month CDs rates are at 3.09%, 36 Month CDs rates are at 3.04%, 48 Month CDs rates are at 3.04%. SAFE Credit Union's savings rates are at 0.05%. SAFE Credit Union's money market rates are at 0.05%. SAFE Credit Union's 15-Year Fixed rates are at 5.75%, 10-Year Fixed rates are at 5.75%, 15-Year Fixed rates are at 5.75%, 15-Year Fixed rates are at 5.88%, 5/5 ARM Jumbo rates are at 5.50%. MonitorBankRates evaluates the financial stability of SAFE Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates were last updated on 03/28/2026.

SAFE 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 Credit Union? Share your experience about SAFE Credit Union by leaving a review below, or read customer reviews before you decide to use SAFE Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.87%

Excellent Lower than avg

SAFE Credit Union
Corporate

2295 Iron Point Rd
Folsom, CA 95630 8766

https://www.safecu.org

SAFE Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificates	3.20%	3.25%	60
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
60 Month Certificates	3.15%	3.20%	60
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
48 Month Certificates	3.05%	3.09%	48
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
36 Month Certificates	3.00%	3.04%	36
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
48 Month Certificates	3.00%	3.04%	48
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
24 Month Certificates	2.90%	2.94%	24
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
36 Month Certificates	2.90%	2.94%	36
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
24 Month Certificates	2.65%	2.68%	24
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
24 month Bump Up Certificate	2.65%	2.68%	24 Months
Min Balance $500 Details If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
12 Month Certificates	2.55%	2.58%	12
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
18 Month Certificates	2.55%	2.58%	18
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
12 Month Certificates	2.40%	2.43%	12
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
18 Month Certificates	2.40%	2.43%	18
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
12 month Add On Certificate	2.40%	2.43%	12 Months
Min Balance $25 Details Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
12 month Bump Up Certificate	2.40%	2.43%	12 Months
Min Balance $500 Details If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
6 Month Certificates	2.25%	2.27%	6
Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
3 Month Certificates	1.90%	1.92%	3
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
6 Month Certificates	1.90%	1.92%	6
Min Balance $500 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Savings Rates

Product	Rate	APY
Business Savings	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Kids Club Savings	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share Savings	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Young Member Savings	3.25%	3.30%
Min Deposit $1,000 Min Balance $1,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share Savings	0.70%	0.70%
Min Deposit $5 Details Qualifications Required: Perfect Cents Checking account established under the same tax reporting owner of the savings account; be enrolled in eStatements; have a minimum of 10 debit and/or credit card purchase transactions post and settle each month; Qualifying balance up to $1,000.00 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
IRA Savings	0.35%	0.35%
Min Deposit $25 Min Balance $200,000 Details Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
IRA Savings	0.30%	0.30%
Min Deposit $25 Min Balance $100,000 Details Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
IRA Savings	0.25%	0.25%
Min Deposit $25 Details Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $4,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Kids Club Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $4,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Share Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $4,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Young Member Savings	0.05%	0.05%
Min Deposit $1,000 Min Balance $4,000 Details Introductory APY is valid for three months from date of account opening. The $1,000 must remain in the account during the offer period. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	2.20%	2.22%
Min Deposit $25 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Level Up Money Market	2.20%	2.22%
Min Deposit $25 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Level Up Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Level Up Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Level Up Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Preferred Money Market	1.25%	1.26%
Min Deposit $25 Details Qualifying balance up to $2,000.00 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Money Market	0.85%	0.85%
Min Deposit $25 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Level Up Money Market	0.85%	0.85%
Min Deposit $25 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Preferred Money Market	0.35%	0.22%
Min Deposit $25 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Preferred Money Market	0.25%	0.19%
Min Deposit $25 Min Balance $250,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Preferred Money Market	0.20%	0.17%
Min Deposit $25 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Capitol Access Money Market	0.15%	0.15%
Min Deposit $25 Min Balance $500,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Preferred Money Market	0.10%	0.15%
Min Deposit $25 Min Balance $2,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Capitol Access Money Market	0.05%	0.05%
Min Deposit $25 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Checking Rates

Product	Rate	APY
Perfect Cents Checking	-	3.04%
Details Qualifications Required: Active enrollment in eStatements; Minimum of 10 debit and/or credit card purchase transactions post and settle each month; Qualifying balance up to $3,000.00 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Capitol Checking	0.35%	0.35%
Min Deposit $25 Details Qualifications Required: eStatements; direct deposit of $500 or more deposited into the Capitol Checking; 12 debit and/or credit card purchase transactions; Qualifying balance up to $25,000.00 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Checking	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Prestige Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Checking	0.08%	0.08%
Min Deposit $25 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Prestige Checking	0.07%	0.07%
Min Deposit $25 Min Balance $25,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Business Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Prestige Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Mortgage Rates

Product	Rate	Points	APR
15-Year Fixed	5.75%	0.500	5.80%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10-Year Fixed	5.75%	0.375	5.90%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	5.75%	0.625	5.92%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	5.88%	0.500	5.96%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/5 ARM Jumbo	5.50%	0.000	5.96%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/6 ARM Jumbo	5.50%	0.000	5.96%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/5 ARM Jumbo	5.25%	1.250	5.98%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/6 ARM Jumbo	5.25%	1.250	5.98%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	6.00%	-0.250	5.99%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
7/6 ARM Jumbo	5.63%	0.000	6.01%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
7/6 ARM Jumbo	5.38%	1.250	6.03%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10/6 ARM Jumbo	5.75%	0.000	6.06%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	5.88%	0.375	6.06%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10/6 ARM Jumbo	5.50%	1.250	6.08%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10-Year Fixed	6.00%	-0.125	6.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	6.00%	0.000	6.11%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10-Year Fixed	5.88%	0.125	6.14%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	6.13%	-0.250	6.15%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/5 ARM	5.75%	0.000	6.16%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/6 ARM	5.75%	0.000	6.16%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/5 ARM	5.50%	1.250	6.18%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
5/6 ARM	5.50%	1.250	6.18%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
7/6 ARM	5.88%	0.000	6.21%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
7/6 ARM	5.63%	1.250	6.23%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10/6 ARM	6.00%	0.000	6.25%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10/6 ARM	5.75%	1.250	6.27%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
15-Year Fixed	6.13%	-0.250	6.31%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
10-Year Fixed	6.13%	-0.375	6.39%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
20-Year Fixed	6.25%	0.750	6.43%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
20-Year Fixed	6.25%	0.750	6.48%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.63%	-0.750	6.57%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.38%	1.000	6.57%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.38%	1.000	6.58%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
20-Year Fixed	6.50%	0.000	6.60%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
20-Year Fixed	6.50%	0.000	6.62%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.88%	-1.750	6.72%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.63%	0.000	6.73%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.63%	0.000	6.74%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	6.75%	-0.750	6.76%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed SAFE Alternative	6.88%	0.750	6.96%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed	7.00%	-1.750	7.01%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed SAFE Alternative	7.13%	-0.375	7.10%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed SAFE Alternative	7.00%	0.750	7.18%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
30-Year Fixed SAFE Alternative	7.25%	-0.375	7.33%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	4.99%
Details Intro HELOC rate for 6 months; Intro rate expires: 6 months; Regular APR: 6.75% - 11.34% Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Home Equity Line of Credit	-	-	6.75%
Details Variable rate as low as Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Home Equity Loan	-	-	7.38%
Details As Low As Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

SAFE Credit Union Credit Card Rates

Product	Rate	APR
Essential Visa® Credit Card	-	12.29%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Smart Visa® Credit Card	-	13.29%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Visa® Business Credit Card	-	13.40%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Cash Back Visa® Credit Card	-	15.29%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%
Cash Back+ Visa Signature® Credit Card	-	15.29%
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.87%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SAFE 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SAFE Credit Union

Website https://www.safecu.org

Address 2295 Iron Point Rd, Folsom, CA 95630 8766

Phone 916-979-7233

Fax

President Rick Blumenfeld

CEO Faye Nabhani

Full-Time Employees 643

Part-Time Employees 7

Branch Locations 17

ATM Locations 22

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

2.87%

Return on Assets (ROA)

0.4868%

Return on Equity (ROE)

4.7077%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

4,378,462,379

Total Amount of Shares and Deposits

3,927,319,801

Total Shares and Deposits < 1 Year

3,805,119,092

Total Shares and Deposits 1 3 Years

59,995,703

Total Shares and Deposits > 3 Years

62,205,006

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,766,745

Total Uninsured Shares and Deposits > $250K (F+J)

36,362,646

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,890,957,155

Total Interest Expense (Sum of items 6 8)

51,948,423

Share Certificates

24,620

Number of Accounts for Share Drafts

168,619

IRA KEOGH Accounts

5,751

Number of Accounts for Regular Shares

159,968

Non Member Deposits

Money Market Shares

28,165

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

375,332,819

Total Liabilities

3,991,990,147

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About SAFE Credit Union

Is SAFE Credit Union a safe place to deposit money?

Yes, SAFE Credit Union is considered a safe financial institution. With a Texas Ratio of 2.8737310940148%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does SAFE Credit Union operate?

SAFE 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 Credit Union?

Yes, to access services at SAFE 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SAFE Credit Union offer online and mobile banking?

Most modern institutions like SAFE 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://www.safecu.org.