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 Rates & Review September 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 and Verified: September 22, 2026

SAFE Credit Union's 6 Month CD Special rates are at 3.45%, 60 Month CDs rates are at 3.25%, 60 Month CDs rates are at 3.20%, 48 Month CDs rates are at 3.09%, 12 Month CD Special 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 Auto Loan Rates are as low as 5.19%. 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 2.69%. Rates last updated and verified on 09/22/2026.

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.

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

2.69%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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
6 Month Certificate Special	3.40%	3.45%	6 Months
Min Deposit $500 Details Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
60 Month Certificates	3.20%	3.25%	60 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
60 Month Certificates	3.15%	3.20%	60 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
48 Month Certificates	3.05%	3.09%	48 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month Certificate Special	3.00%	3.04%	12 Months
Min Deposit $500 Details Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
36 Month Certificates	3.00%	3.04%	36 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
48 Month Certificates	3.00%	3.04%	48 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
24 Month Certificates	2.90%	2.94%	24 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
36 Month Certificates	2.90%	2.94%	36 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
24 Month Bump Up Certificate	2.65%	2.68%	24 Months
Min Deposit $500 Details 1 Dividends paid monthly. Certificate penalties for early withdrawal may apply. 2 Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. 3 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
24 Month Certificates	2.65%	2.68%	24 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month Certificates	2.55%	2.58%	12 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
18 Month Certificates	2.55%	2.58%	18 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month Add On Certificate	2.40%	2.43%	12 Months
Min Deposit $25 Details 1 Dividends paid monthly. Certificate penalties for early withdrawal may apply. 2 Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. 3 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month Bump Up Certificate	2.40%	2.43%	12 Months
Min Deposit $500 Details 1 Dividends paid monthly. Certificate penalties for early withdrawal may apply. 2 Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. 3 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
12 Month Certificates	2.40%	2.43%	12 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
18 Month Certificates	2.40%	2.43%	18 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
6 Month Certificates	2.25%	2.27%	6 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
3 Month Certificates	1.90%	1.92%	3 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
3 Month Certificates	1.90%	1.92%	3 months
Min Deposit $25,000 Details Balance: $25,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
6 Month Certificates	1.90%	1.92%	6 months
Min Deposit $500 Details Balance: $500-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.70%	0.70%
Min Deposit $5 Min Balance $0 Details Balance: first $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
IRA Savings	0.35%	0.35%
Min Deposit $25 Min Balance $200,000 Details Balance: $200,000 & over; Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
IRA Savings	0.30%	0.30%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Balance: $100,000 - $199,999.99; Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
IRA Savings	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details Balance: under $100,000; Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Kids Club Savings	0.05%	0.05%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Special Purpose Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Young Member Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Published APY range: 0.05% - 0.70%. Young Member Savings Premium dividends when linked to Perfect Cents Checking; Balance: over $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	2.20%	2.22%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 & over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	2.20%	2.22%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 & over; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Balance: $100,000 - $249,999.99; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Preferred Money Market	1.25%	1.26%
Min Deposit $25 Min Balance $0 Details Balance: first $2,000; Preferred Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Preferred Money Market per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $0 Details Balance: under $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $0 Details Balance: under $10,000; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Level Up Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividends paid monthly. Variable rate changes monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Preferred Money Market	0.17%	0.20%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Published APY range: 0.17% - 0.19%. Balance: $100,000 - $249,999.99; Preferred Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Preferred Money Market per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.15%	0.15%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 & over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Preferred Money Market	0.10%	0.15%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000.01 - $49,999.99; Published APY range: 0.15% - 1.26%. Balance: $2,000.01 - $49,999.99; Preferred Money Market is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Preferred Money Market per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Balance: $100,000 - $199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $200,000 Details Balance: $200,000 - $499,999.99; Balance: $200,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: under $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Access Money Market	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Checking Rates

Product	Rate	APY
Perfect Cents Checking	3.00%	3.04%
Min Deposit $25 Min Balance $3,000 Details Qualifications Required: eStatements enrollment; 10 debit and/or credit card purchase transactions post and settle each month; Balance: first $3,000; Dividends paid monthly. Variable rate changes monthly. To receive dividends, account must meet two monthly requirements: be enrolled in eStatements and have a minimum of 10 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Perfect Cents Checking account. Perfect Cents Checking is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Checking	0.35%	0.35%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: eStatements enrollment; direct deposit of $500 or more deposited into the Capitol Checking; 12 debit and/or credit card purchase transactions post and settle each month; Balance: first $25,000; Available for Capitol Club. To receive dividends, account must meet three monthly requirements: be enrolled in eStatements, direct deposit of $500 or more deposited into the Capitol Checking, and have a minimum of 12 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Capitol Checking account. Capitol Checking is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Capitol Checking per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Checking	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 & over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Prestige Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 & over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Checking	0.08%	0.08%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Checking	0.08%	0.08%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Prestige Checking	0.07%	0.07%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Prestige Checking	0.07%	0.07%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Business Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: under $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Capitol Checking	0.05%	0.05%
Min Deposit $25 Min Balance $25,000 Details Published APY range: 0.05% - 0.35%. Qualifications Required: eStatements enrollment; direct deposit of $500 or more deposited into the Capitol Checking; 12 debit and/or credit card purchase transactions post and settle each month; Balance: $25,000.01 & over; Available for Capitol Club. To receive dividends, account must meet three monthly requirements: be enrolled in eStatements, direct deposit of $500 or more deposited into the Capitol Checking, and have a minimum of 12 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Capitol Checking account. Capitol Checking is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. One Capitol Checking per member. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Perfect Cents Checking	0.05%	0.05%
Min Deposit $25 Min Balance $3,000 Details Published APY range: 0.05% - 3.04%. Qualifications Required: eStatements enrollment; 10 debit and/or credit card purchase transactions post and settle each month; Balance: $3,000.01 & over; Dividends paid monthly. Variable rate changes monthly. To receive dividends, account must meet two monthly requirements: be enrolled in eStatements and have a minimum of 10 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Perfect Cents Checking account. Perfect Cents Checking is a tiered-rate account. Dividend rate is paid only on the portion of the balance that falls within each specified tier. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%
Prestige Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: under $2,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	4.99%
Details Intro rate for six months Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.19%
Details As low as for new cars, trucks & vans Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

SAFE Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business Special Purpose Share	0.05%	-	0.05%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.69%

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 Credit Union’s Texas Ratio stayed near 3.08% in Q2 2023 to 2.69% in Q1 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
March 31, 2026	$4.5B	2.69%	5.0	A+
December 31, 2025	$4.4B	3.49%	5.0	A+
September 30, 2025	$4.4B	2.70%	5.0	A+
June 30, 2025	$4.4B	3.17%	5.0	A+
March 31, 2025	$4.4B	1.99%	5.0	A+
December 31, 2024	$4.3B	2.90%	5.0	A+
September 30, 2024	$4.6B	3.32%	5.0	A+
June 30, 2024	$4.6B	3.06%	5.0	A+
March 31, 2024	$4.7B	2.30%	5.0	A+
December 31, 2023	$4.7B	3.16%	5.0	A+
September 30, 2023	$4.7B	3.20%	5.0	A+
June 30, 2023	$4.7B	3.08%	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 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 Martha Lofgren

CEO Faye Nabhani

Full-Time Employees 660

Part-Time Employees 8

Branch Locations 18

ATM Locations 19

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

2.69%

Return on Assets (ROA)

0.2313%

Return on Equity (ROE)

2.2061%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

4,451,526,757

Total Amount of Shares and Deposits

3,990,691,293

Total Shares and Deposits < 1 Year

3,848,474,238

Total Shares and Deposits 1 3 Years

75,318,565

Total Shares and Deposits > 3 Years

66,898,490

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

5,766,745

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

36,365,379

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

3,954,325,914

Total Interest Expense (Sum of items 6 8)

14,700,081

Share Certificates

23,878

Number of Accounts for Share Drafts

172,220

IRA KEOGH Accounts

5,609

Number of Accounts for Regular Shares

161,987

Non Member Deposits

Money Market Shares

28,247

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)

347,617,063

Total Liabilities

4,042,600,308

Source: NCUA — Last Updated 03/31/2026

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Frequently Asked Questions About SAFE Credit Union

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.

Current SAFE Credit Union Rates

12-Month CD2.43%
18-Month CD2.43%
24-Month CD2.68%
60-Month CD3.20%
Savings0.05%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SAFE Credit Union Rates & Review September 2026

Brian McKay

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SAFE Credit Union Money Market Rates

SAFE Credit Union Checking Rates

SAFE Credit Union Home Equity & HELOC

SAFE Credit Union Auto Loan Rates

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Financial Health History

Methodology & Data Sources

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SAFE Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SAFE Credit Union

How many branches does SAFE Credit Union operate?

Is a member application needed to join SAFE Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SAFE Credit Union offer online and mobile banking?

Current SAFE Credit Union Rates

Compare to Other Credit Unions