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SAFE Federal Credit Union

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SAFE Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at SAFE Federal Credit Union?

Current rates for SAFE Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.10%, 24-Month CD: 2.85%, 60-Month CD: 0.95%, Savings: 0.15%, MMA: 2.70%

Q: What CD terms does SAFE Federal Credit Union offer?

SAFE Federal Credit Union CD rates are 3.60% APY for a 6 month CD, 4.25% APY for a 9 month CD, 3.65% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.10% APY for a 2 year CD and 0.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SAFE Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

SAFE Federal Credit Union's 9 Month Share Investment CD rates are at 4.25%, Investment CD - 12 month rates are at 3.65%, 6 Month Share Investment CD rates are at 3.60%, Investment CD - 18 month rates are at 3.25%, 24 Month Easy Street Account CD rates are at 3.10%. SAFE Federal Credit Union's savings rates are at 0.15%. SAFE Federal Credit Union's money market rates are at 2.70%. SAFE Federal Credit Union's checking rates are as high as 3.00%. SAFE Federal Credit Union's 5/1 ARM rates are at 6.38%, 10-Year Fixed rates are at 6.88%, 30-Year Fixed rates are at 7.38%. SAFE Federal Credit Union's Personal Loan Rates are as low as 9.99%. SAFE Federal Credit Union's Credit Card Rates are at 11.49%. SAFE Federal Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SAFE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.64%. Rates last updated and verified on 10/29/2026.

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

3.64%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

SAFE Federal Credit Union
Admin

160 W Wesmark Blvd
Sumter, SC 29150-1964

https://www.safefed.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 Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Share Investment Certificate	-	4.25%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 12 month	-	3.65%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 12 Month	-	3.65%	12 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
6 Month Share Investment Certificate	-	3.60%	6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 6 Month	-	3.60%	6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 12 month	-	3.55%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 12 Month	-	3.55%	12 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
6 Month Share Investment Certificate	-	3.50%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 12 month	-	3.50%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 12 Month	-	3.50%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 6 Month	-	3.50%	6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
6 Month Share Investment Certificate	-	3.45%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 6 Month	-	3.45%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 18 month	-	3.25%	18 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.50% → 3.25% ▲ 0.75 pts · high 3.25% / low 2.50% Oct 23, 20263.25%▲ from 2.50% Sep 17, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 18 Month	-	3.25%	18 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 18 month	-	3.15%	18 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.40% → 3.15% ▲ 0.75 pts · high 3.15% / low 2.40% Oct 23, 20263.15%▲ from 2.40% Sep 17, 20262.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 18 Month	-	3.15%	18 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate	-	3.10%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Ages 50+; Balance: $100,000+ Last Updated 10/29/2026 Rate History 1 change since Oct 12, 2026 · 2.35% → 3.10% ▲ 0.75 pts · high 3.10% / low 2.35% Oct 23, 20263.10%▲ from 2.35% Oct 12, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 18 month	-	3.10%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.35% → 3.10% ▲ 0.75 pts · high 3.10% / low 2.35% Oct 23, 20263.10%▲ from 2.35% Sep 17, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 18 Month	-	3.10%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate	-	3.00%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Ages 50+; Balance: $50,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25% Oct 23, 20263.00%▲ from 2.25% Sep 17, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 24 month	-	3.00%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25% Oct 23, 20263.00%▲ from 2.25% Sep 17, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 24 Month	-	3.00%	24 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate	-	2.95%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Ages 50+; Balance: Up to $50,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 2.35% → 2.95% ▲ 0.60 pts · high 2.95% / low 2.20% Oct 23, 20262.95%▲ from 2.20% Oct 12, 20262.20%▼ from 2.35% Sep 17, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 24 month	-	2.90%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.15% → 2.90% ▲ 0.75 pts · high 2.90% / low 2.15% Oct 23, 20262.90%▲ from 2.15% Sep 17, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 24 Month	-	2.90%	24 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 24 month	-	2.85%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 2.10% → 2.85% ▲ 0.75 pts · high 2.85% / low 2.10% Oct 23, 20262.85%▲ from 2.10% Sep 17, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 24 Month	-	2.85%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 36 month	-	1.25%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 36 Month	-	1.25%	36 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 36 month	-	1.15%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 48 month	-	1.15%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 36 Month	-	1.15%	36 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 48 Month	-	1.15%	48 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 36 month	-	1.10%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 60 month	-	1.10%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 36 Month	-	1.10%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 60 Month	-	1.10%	60 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 48 month	-	1.05%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 48 Month	-	1.05%	48 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 48 month	-	1.00%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 60 month	-	1.00%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 48 Month	-	1.00%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 60 Month	-	1.00%	60 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Investment Certificate - 60 month	-	0.95%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Certificate - 60 Month	-	0.95%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 0.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
3 Month Share Investment Certificate	-	0.90%	3 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
3 Month Share Investment Certificate	-	0.80%	3 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
3 Month Share Investment Certificate	-	0.75%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: Up to $50,000 Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.25%
Min Deposit $1 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Flexible Savings	-	0.15%
Min Deposit $1 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Health Savings Account (HSA)	-	0.10%
Min Deposit $0 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Regular Savings	-	0.10%
Min Deposit $5 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 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: 3.64%
Health Savings Account (HSA)	-	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Checking Rates

Product	Rate	APY
PowerUp Checking	-	3.00%
Min Deposit $25 Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	2.70%
Min Balance $500,000 Details Balance: $500,000 and over; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	2.45%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	2.30%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	1.65%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	1.25%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	0.95%
Min Balance $0 Details Balance: $0.01 - $25,000; Annual Percentage Yield* (as high as) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
RealLife Checking	-	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
U 29 Checking	-	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Y Account Checking	-	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
5/1 ARM	6.375%	-	6.725%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.48% → 6.73% ▲ 0.25 pts · high 6.78% / low 6.48% Oct 23, 20266.73%▼ from 6.78% Oct 15, 20266.78%▲ from 6.73% Oct 4, 20266.73%▲ from 6.48% Sep 18, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
10-Year Fixed	6.875%	-	6.993%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.37% → 6.99% ▲ 0.63 pts · high 7.12% / low 6.37% Oct 23, 20266.99%▼ from 7.12% Oct 15, 20267.12%▲ from 6.99% Oct 4, 20266.99%▲ from 6.37% Sep 18, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
30-Year Fixed	7.375%	-	7.428%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.80% → 7.43% ▲ 0.63 pts · high 7.55% / low 6.80% Oct 23, 20267.43%▼ from 7.55% Oct 15, 20267.55%▲ from 7.43% Oct 4, 20267.43%▲ from 6.80% Sep 18, 20266.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2024 and Newer	-	-	4.49%
Details As Low As; Model Year: 2024 and Newer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2024 and Newer	-	-	4.49%	12-36 months
Details As Low As; Model Year: 2024 and Newer Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2024 and Newer	-	-	5.24%	37-60 months
Details As Low As; Model Year: 2024 and Newer Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2024 and Newer	-	-	5.74%	61-75 months
Details As Low As; Model Year: 2024 and Newer Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2024 and Newer	-	-	5.99%	76-84 months
Details As Low As; Model Year: 2024 and Newer; $20,000 min. loan Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Auto Loan - 2021-2023	-	-	6.49%
Details As Low As; Model Year: 2021-2023 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2021-2023	-	-	6.49%	60 months
Details As Low As; Model Year: 2021-2023 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2024 or Newer	-	-	6.50%	84 months
Details As Low As; Model Year: 2024 or Newer Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Auto Loan - 2018-2020	-	-	6.74%
Details As Low As; Model Year: 2018-2020 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2018-2020	-	-	6.74%	60 months
Details As Low As; Model Year: 2018-2020 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2021-2023	-	-	6.74%	61-75 months
Details As Low As; Model Year: 2021-2023 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2021-2023	-	-	6.99%	76-84 months
Details As Low As; Model Year: 2021-2023; $20,000 min. loan Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2021-2023	-	-	7.00%	84 months
Details As Low As; Model Year: 2021-2023 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loan - 2024 or Newer	-	-	7.50%	60 months
Details As Low As; Model Year: 2024 or Newer; Rate determined by credit score, term, and model year Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2016-2020	-	-	7.50%	72 months
Details As Low As; Model Year: 2016-2020 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Auto Loan - 2016-2017	-	-	7.74%
Details As Low As; Model Year: 2016-2017 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2016-2017	-	-	7.74%	54 months
Details As Low As; Model Year: 2016-2017 Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loan - 2023 or Older	-	-	8.00%	48 months
Details As Low As; Model Year: 2023 or Older; Rate determined by credit score, term, and model year Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2015 & Older	-	-	8.00%	60 months
Details As Low As; Model Year: 2015 & Older Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Auto Loan - 2015 and older	-	-	9.49%
Details As Low As; Model Year: 2015 and older Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
New and Used Auto Loan - 2015 and Older	-	-	9.49%	42 months
Details As Low As; Model Year: 2015 and Older Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats/Motors/Trailers Loan	-	4.00%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loan	-	6.00%	84 months
Details As Low As; Model Year: 2024 or Newer; Rate is determined by credit score, term, and model year of vehicle Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Motorcycles Loan	-	6.00%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loan	-	7.00%	72 months
Details As Low As; Model Year: 2021-2023; Rate is determined by credit score, term, and model year of vehicle Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loan	-	7.50%	60 months
Details As Low As; Model Year: 2016-2020; Rate is determined by credit score, term, and model year of vehicle Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loan	-	7.50%	48 months
Details As Low As; Model Year: 2015 & Older; Rate is determined by credit score, term, and model year of vehicle Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.49%
Details As Low As; Annual Percentage Rate as low as 11.49% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30-Year Construction Loan	-	-	8.39%
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Oct 2, 2026 · 7.98% → 8.39% ▲ 0.41 pts · high 8.39% / low 7.98% Oct 4, 20268.39%▲ from 7.98% Oct 2, 20267.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
30-Year Construction to Permanent Loan	7.875%	-	8.39%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 7.71% → 8.39% ▲ 0.68 pts · high 8.53% / low 7.71% Oct 23, 20268.39%▼ from 8.53% Oct 15, 20268.53%▲ from 8.39% Oct 4, 20268.39%▲ from 7.71% Sep 18, 20267.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Freedom 15 Loan	7.25%	-	7.281%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.66% → 7.28% ▲ 0.63 pts · high 7.41% / low 6.66% Oct 23, 20267.28%▼ from 7.41% Oct 15, 20267.41%▲ from 7.28% Oct 4, 20267.28%▲ from 6.66% Sep 18, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
HELoan 15	8.75%	-	8.783%
Details As Low As; Mortgage rate table Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 8.16% → 8.78% ▲ 0.63 pts · high 8.91% / low 8.16% Oct 23, 20268.78%▼ from 8.91% Oct 15, 20268.91%▲ from 8.78% Oct 4, 20268.78%▲ from 8.16% Sep 18, 20268.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Coverdell Education Savings	-	-	0.15%
Min Deposit $1 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Easy Street Certificate	-	-	3.10%
Details Ages 50+ Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 2.35% → 3.10% ▲ 0.75 pts · high 3.10% / low 2.35% Oct 23, 20263.10%▲ from 2.35% Sep 25, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
IRA Accumulator	-	-	0.15%
Min Deposit $1 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Millionaires of Tomorrow (Ages 0-12)	-	-	3.55%	12 months
Min Deposit $100 Min Balance $100 Details Ages: 0-12; Youth Investment Certificate; Minimum to earn dividends $100 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Millionaires of Tomorrow Youth Account (Ages 0-12)	-	-	0.10%
Min Deposit $5 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Millionaires of Tomorrow Youth Certificate	-	-	3.55%
Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Share Investment Certificate	-	-	3.65%
Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
U29 Account (Ages 18-29)	-	-	3.55%	12 months
Min Deposit $500 Min Balance $500 Details Ages: 18-29; Youth Investment Certificate; Minimum to earn dividends $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
U29 Account (Ages 18-29)	-	-	0.10%
Min Deposit $5 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Y Account (Ages 13-17)	-	-	3.55%	12 months
Min Deposit $500 Min Balance $500 Details Ages: 13-17; Youth Investment Certificate; Minimum to earn dividends $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Y Account (Ages 13-17)	-	-	0.10%
Min Deposit $5 Min Balance $0 Details Savings Account Rates; Annual Percentage Yield as high as Last Updated 10/29/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

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 Federal Credit Union’s Texas Ratio fell from 5.19% in Q3 2023 to 3.64% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.0B	3.64%	5.0	A+
March 31, 2026	$2.0B	3.72%	5.0	A+
December 31, 2025	$1.9B	6.33%	5.0	A
September 30, 2025	$1.9B	6.74%	5.0	A
June 30, 2025	$1.9B	6.30%	5.0	A
March 31, 2025	$1.9B	5.52%	5.0	A+
December 31, 2024	$1.9B	5.99%	5.0	A+
September 30, 2024	$1.9B	5.08%	5.0	A+
June 30, 2024	$1.9B	3.88%	5.0	A+
March 31, 2024	$1.9B	3.96%	5.0	A+
December 31, 2023	$1.8B	4.88%	5.0	A+
September 30, 2023	$1.8B	5.19%	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 Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SAFE Federal Credit Union

Website https://www.safefed.org

Address 160 W Wesmark Blvd, Sumter, SC 29150-1964

Phone 803-469-8600

Fax 803-469-4050

President Kay Oldhouser Davis

CEO Michael Baker

Full-Time Employees 356

Part-Time Employees 12

Branch Locations 20

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

3.64%

Return on Assets (ROA)

0.6337%

Return on Equity (ROE)

5.7756%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

1,966,056,483

Total Amount of Shares and Deposits

1,719,681,256

Total Shares and Deposits < 1 Year

1,678,044,655

Total Shares and Deposits 1 3 Years

39,129,937

Total Shares and Deposits > 3 Years

2,506,664

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

149,399,532

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

149,399,532

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

1,570,281,724

Total Interest Expense (Sum of items 6 8)

13,101,117

Share Certificates

13,197

Number of Accounts for Share Drafts

92,432

IRA KEOGH Accounts

4,629

Number of Accounts for Regular Shares

158,684

All other shares

3,039

Money Market Shares

6,922

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)

88,616,162

Total Liabilities

1,765,762,264

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SAFE Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SAFE Federal Credit Union

Does SAFE Federal Credit Union offer CDs?

Yes. SAFE Federal Credit Union current CD rates include its 9 Month Share Investment CD at 4.25% APY, its Investment CD - 12 month at 3.65% APY and its 6 Month Share Investment CD at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from SAFE Federal Credit Union NCUA insured?

Yes. SAFE Federal 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 Federal Credit Union?

The highest SAFE Federal Credit Union CD rate is its 9 Month Share Investment CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does SAFE Federal Credit Union offer?

SAFE Federal Credit Union CD rates are 3.60% APY for a 6 month CD, 4.25% APY for a 9 month CD, 3.65% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.10% APY for a 2 year CD and 0.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SAFE Federal Credit Union for its full lineup.

What is the highest savings rate at SAFE Federal Credit Union?

The highest SAFE Federal Credit Union savings rate is its Flexible Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

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

The highest SAFE Federal Credit Union money market rate is its Money Market Checking at 2.70% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at SAFE Federal Credit Union?

The highest SAFE Federal Credit Union checking rate is its PowerUp Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at SAFE Federal Credit Union?

The lowest SAFE Federal Credit Union 30 year fixed mortgage rate is its 30-Year Fixed at 7.375%, verified by MonitorBankRates as of October 29, 2026. SAFE Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.875% for a 10 year mortgage and 6.375% for a 5/1 ARM.

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

The lowest SAFE Federal Credit Union auto loan rate is its Auto Loan - 2024 and Newer at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at SAFE Federal Credit Union?

The lowest SAFE Federal Credit Union personal loan rate is its Personal Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at SAFE Federal Credit Union?

The lowest SAFE Federal Credit Union credit card APR is its Credit Cards at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does SAFE Federal Credit Union operate?

SAFE Federal 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 Federal Credit Union?

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

Does SAFE Federal Credit Union offer online and mobile banking?

Most modern institutions like SAFE Federal 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.safefed.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 Federal Credit Union rates compare?

SAFE Federal Credit Union's CD rates are 21% lower than the MonitorBankRates national average, and it has an A+ health rating. SAFE Federal Credit Union's top rates are its 9 Month Share Investment CD at 4.25% APY, its Flexible Savings at 0.15% APY, its Money Market Checking at 2.70% APY, its PowerUp Checking at 3.00% APY, its 5/1 ARM at 6.375%, its Personal Loans at 9.99% APR and its Credit Cards at 11.49% APR, verified by MonitorBankRates on October 29, 2026.

Current SAFE Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.10%
24-Month CD2.85%
60-Month CD0.95%
Savings0.15%
MMA2.70%

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

Compare to Other Credit Unions

SAFE Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SAFE Federal Credit Union Texas Ratio

SAFE Federal Credit Union Health Trend

SAFE Federal Credit Union CD Rates

SAFE Federal Credit Union Savings Rates

SAFE Federal Credit Union Checking Rates

SAFE Federal Credit Union Mortgage Rates

SAFE Federal Credit Union Auto Loan Rates

SAFE Federal Credit Union RV, Boat and Powersport Loan Rates

SAFE Federal Credit Union Credit Card Rates

SAFE Federal Credit Union Personal Loan Rates

SAFE Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SAFE Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SAFE Federal Credit Union

Does SAFE Federal Credit Union offer CDs?

Are CDs from SAFE Federal Credit Union NCUA insured?

What is the highest CD rate at SAFE Federal Credit Union?

What CD terms does SAFE Federal Credit Union offer?

What is the highest savings rate at SAFE Federal Credit Union?

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

What is the highest checking rate at SAFE Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at SAFE Federal Credit Union?

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

What is the lowest personal loan rate at SAFE Federal Credit Union?

What is the lowest credit card APR at SAFE Federal Credit Union?

How many branches does SAFE Federal Credit Union operate?

Is a member application needed to join SAFE Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SAFE Federal 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 Federal Credit Union rates compare?

Current SAFE Federal Credit Union Rates

Compare to Other Credit Unions