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SAFE Credit Union Rates & Review November 2026

Q: 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: 5.12%, MMA: 2.22%

Q: What CD terms does SAFE Credit Union offer?

SAFE Credit Union CD rates are 2.58% APY for a 12 month CD, 2.43% APY for an 18 month CD, 2.94% APY for a 2 year CD, 3.04% APY for a 3 year CD, 3.09% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with SAFE Credit Union for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

SAFE Credit Union's 60 Month CDs rates are at 3.25%, 48 Month CDs rates are at 3.09%, 36 Month CDs rates are at 3.04%, 24 Month CDs rates are at 2.94%, 12 Month CDs rates are at 2.58%. SAFE Credit Union's savings rates are at 5.12%. SAFE Credit Union's money market rates are at 2.22%. SAFE Credit Union's checking rates are as high as 3.04%. SAFE Credit Union's Auto Loan Rates are as low as 5.19%. SAFE Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 3.24%. Rates last updated and verified on 10/30/2026.

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: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.24%

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

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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 Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificates	3.20%	3.25%	60 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
60 Month Certificates	3.15%	3.20%	60 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48 Month Certificates	3.05%	3.09%	48 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36 Month Certificates	3.00%	3.04%	36 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48 Month Certificates	3.00%	3.04%	48 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24 Month Certificates	2.90%	2.94%	24 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36 Month Certificates	2.90%	2.94%	36 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24 Month Certificates	2.65%	2.68%	24 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12 Month Certificates	2.55%	2.58%	12 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
18 Month Certificates	2.55%	2.58%	18 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12 Month Certificates	2.40%	2.43%	12 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12 Month Other Certificates - Add	2.40%	2.43%	12 Months
Min Deposit $25 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.43% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
18 Month Certificates	2.40%	2.43%	18 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificates	2.25%	2.27%	6 months
Min Deposit $25,000 Details Balance: $25,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
3 Month Certificates	1.90%	1.92%	3 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificates	1.90%	1.92%	6 months
Min Deposit $500 Details Balance: $500.00 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Savings Rates

Product	Rate	APY
Kids Club Savings	5.00%	5.12%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $500; Introductory APY limited to one account per tax-reporting owner; available on accounts opened between October 17, 2026 and December 31, 2026; requires $25 new money from another financial institution and maintaining $25 minimum balance for first three months; rates are variable and may change monthly; dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Young Member Savings	5.00%	5.12%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $500; Introductory APY limited to one account per tax-reporting owner; available on accounts opened between October 17, 2026 and December 31, 2026; requires $25 new money from another financial institution and maintaining $25 minimum balance for first three months; rates are variable and may change monthly; dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Share Savings, Young Member Savings	0.70%	0.70%
Min Deposit $5 Details Qualifications Required: Perfect Cents Checking under the same tax reporting owner; enrolled in eStatements; minimum of 10 debit and/or credit card purchases posting and settling each month; Tier: first $1,000; premium dividends when linked to Perfect Cents Checking Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
IRA Savings	0.30%	0.30%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
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 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Kids Club Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Published APY range: 0.05% - 5.12%. Balance: over $500; Introductory APY limited to one account per tax-reporting owner; available on accounts opened between October 17, 2026 and December 31, 2026; requires $25 new money from another financial institution and maintaining $25 minimum balance for first three months; introductory APY paid only on the portion of balance within each tier; rates are variable and may change monthly; dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Share Savings, Kids Club Savings, Young Member Savings, Special Purpose Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Young Member Savings	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Published APY range: 0.05% - 5.12%. Balance: over $500; Introductory APY limited to one account per tax-reporting owner; available on accounts opened between October 17, 2026 and December 31, 2026; requires $25 new money from another financial institution and maintaining $25 minimum balance for first three months; introductory APY paid only on the portion of balance within each tier; rates are variable and may change monthly; dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings, Business Special Purpose Share	0.05%	0.05%
Min Deposit $5 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Money Market Rates

Product	Rate	APY
Level Up Money Market	2.20%	2.22%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 & over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Level Up Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Level Up Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 1.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Level Up Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Preferred Money Market	1.25%	1.26%
Min Deposit $25 Min Balance $0 Details Balance: first $2,000; Tiered-rate account; one per member Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Level Up Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $0 Details Balance: under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Level Up Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Preferred Money Market	0.17%	0.20%
Min Deposit $25 Min Balance $100,000 Details Published APY range: 0.17% - 0.19%. Balance: $100,000 - $249,999.99; Tiered-rate account; one per member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.15%	0.15%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 & over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Preferred Money Market	0.10%	0.15%
Min Deposit $25 Min Balance $2,000 Details Published APY range: 0.15% - 1.26%. Balance: $2,000.01 - $49,999.99; Tiered-rate account; one per member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.10%	0.10%
Min Deposit $25 Min Balance $200,000 Details Balance: $200,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: under $2,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Access Money Market	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Business 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 10/30/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Money Market	1.85%	1.87%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Money Market	1.60%	1.61%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 1.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Money Market	1.35%	1.36%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $0 Details Balance: under $10,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Money Market	0.85%	0.85%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Checking Rates

Product	Rate	APY
Perfect Cents Checking	3.00%	3.04%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying balance up to $3,000.00; Tiered-rate account, dividend paid only on the portion of the balance within each tier; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Capitol Checking	0.35%	0.35%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying balance up to $25,000.00; Available for Capitol Club; Tiered-rate account, dividend paid only on the portion of the balance within each tier; One Capitol Checking per member Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Prestige Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Prestige Checking	0.07%	0.07%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Prestige Checking	0.07%	0.07%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Prestige Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: under $2,000; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Prestige Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Checking	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 and over; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Checking	0.08%	0.08%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Checking	0.08%	0.08%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Checking	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: under $2,000; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Checking	0.05%	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Dividends paid monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

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 10/30/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
12 Month Certificate Special	3.00%	-	3.04%	12 Months
Min Deposit $500 Details Dividends paid monthly; also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (CESA); Capitol Club premium dividend rate increase of .25% for eligible members Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificate Special	3.40%	-	3.45%	6 Months
Min Deposit $500 Details Dividends paid monthly; also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (CESA); Capitol Club premium dividend rate increase of .25% for eligible members Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

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 3.20% in Q3 2023 to 3.24% 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	$4.4B	3.24%	5.0	A+
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+

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 665

Part-Time Employees 7

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+ (98/100)

Texas Ratio

3.24%

Return on Assets (ROA)

0.4844%

Return on Equity (ROE)

4.4781%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

4,417,704,889

Total Amount of Shares and Deposits

3,937,100,993

Total Shares and Deposits < 1 Year

3,809,991,695

Total Shares and Deposits 1 3 Years

59,511,692

Total Shares and Deposits > 3 Years

67,597,606

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

5,766,745

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

36,362,304

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

3,900,738,689

Total Interest Expense (Sum of items 6 8)

28,253,289

Share Certificates

23,595

Number of Accounts for Share Drafts

173,326

IRA KEOGH Accounts

5,556

Number of Accounts for Regular Shares

161,857

Non Member Deposits

Money Market Shares

28,136

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)

364,102,742

Total Liabilities

3,998,434,194

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SAFE Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About SAFE Credit Union

Does SAFE Credit Union offer CDs?

Yes. SAFE Credit Union current CD rates include its 60 Month CDs at 3.25% APY, its 48 Month CDs at 3.09% APY and its 36 Month CDs at 3.04% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from SAFE Credit Union NCUA insured?

Yes. SAFE 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 Credit Union?

The highest SAFE Credit Union CD rate is its 60 Month CDs at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does SAFE Credit Union offer?

SAFE Credit Union CD rates are 2.58% APY for a 12 month CD, 2.43% APY for an 18 month CD, 2.94% APY for a 2 year CD, 3.04% APY for a 3 year CD, 3.09% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with SAFE Credit Union for its full lineup.

What is the highest savings rate at SAFE Credit Union?

The highest SAFE Credit Union savings rate is its Kids Club Savings at 5.12% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at SAFE Credit Union?

The highest SAFE Credit Union money market rate is its Business Money Market at 2.22% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at SAFE Credit Union?

The highest SAFE Credit Union checking rate is its Perfect Cents Checking at 3.04% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at SAFE Credit Union?

The lowest SAFE Credit Union auto loan rate is its Auto Loan at 5.19% APR, verified by MonitorBankRates as of October 30, 2026.

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.

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 Credit Union rates compare?

SAFE Credit Union's CD rates are 3% lower than the MonitorBankRates national average, and it has an A+ health rating. SAFE Credit Union's top rates are its 60 Month CDs at 3.25% APY, its Kids Club Savings at 5.12% APY, its Business Money Market at 2.22% APY, its Perfect Cents Checking at 3.04% APY and its Auto Loan at 5.19% APR, verified by MonitorBankRates on October 30, 2026.

Current SAFE Credit Union Rates

12-Month CD2.43%
18-Month CD2.43%
24-Month CD2.68%
60-Month CD3.20%
Savings5.12%
MMA2.22%

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

Compare to Other Credit Unions

SAFE Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SAFE Credit Union Texas Ratio

SAFE Credit Union Health Trend

SAFE Credit Union CD Rates

SAFE Credit Union Savings Rates

SAFE Credit Union Business Savings Rates

SAFE Credit Union Money Market Rates

SAFE Credit Union Business Money Market Rates

SAFE Credit Union Checking Rates

SAFE Credit Union Business Checking Rates

SAFE Credit Union Auto Loan Rates

SAFE Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SAFE Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SAFE Credit Union

Does SAFE Credit Union offer CDs?

Are CDs from SAFE Credit Union NCUA insured?

What is the highest CD rate at SAFE Credit Union?

What CD terms does SAFE Credit Union offer?

What is the highest savings rate at SAFE Credit Union?

What is the highest money market rate at SAFE Credit Union?

What is the highest checking rate at SAFE Credit Union?

What is the lowest auto loan rate at 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?

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 Credit Union rates compare?

Current SAFE Credit Union Rates

Compare to Other Credit Unions