What are the current interest rates at SAFE Credit Union?

Current rates for SAFE Credit Union include: 12-Month CD: 3.04%, Savings: 0.70%, MMA: 2.22%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
SAFE Credit Union

iAdvertiser Disclosure

SAFE Credit Union Rates & Review October 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: October 10, 2026

SAFE Credit Union's top rates as of October 10, 2026 are 3.45% APY on its 6 Month CD Special, 0.70% APY on savings, 2.22% APY on money market accounts, 3.04% APY on checking, and auto loans from 5.19% APR, according to rates verified by MonitorBankRates. Other SAFE Credit Union CD rates include 12 Month CD Special at 3.04%. 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 10/10/2026.

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 Q2 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

Customer Reviews

Be the first to review

Write a Review

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
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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

SAFE Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.70%	0.70%
Min Deposit $5 Min Balance $0 Details Balance: $1,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Kids Club Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Special Purpose Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Young Member Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Published APY range: 0.05% - 0.70%. Qualifications Required: 3 monthly requirements: a Perfect Cents Checking account established under the same tax reporting owner of the savings account, 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.; Balance: over $1,000; Premium dividends when linked to Perfect Cents Checking Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 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	0.05%	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 6 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 10/10/2026 Rate History No change since Sep 27, 2026 · 1.61% APY · checked 3 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 10/10/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 3 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 0.85% ▼ 0.51 pts · high 1.36% / low 0.85% Sep 18, 20260.85%▼ from 1.36% Sep 14, 20261.36%first recorded 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 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 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 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 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% 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 $0 Details Balance: under $2,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.05% ▼ 0.10 pts · high 0.15% / low 0.05% Sep 18, 20260.05%▼ from 0.15% Sep 14, 20260.15%first recorded 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.22% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 6 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 10/10/2026 Rate History No change since Sep 27, 2026 · 1.61% APY · checked 3 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 10/10/2026 Rate History No change since Sep 27, 2026 · 1.36% APY · checked 3 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 0.85% ▼ 0.51 pts · high 1.36% / low 0.85% Sep 18, 20260.85%▼ from 1.36% Sep 14, 20261.36%first recorded 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 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 $3,000 Details Balance: $3,000.01+; Qualifications Required: eStatements enrollment; 10 debit and/or credit card purchase transactions; 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 3.04% ▲ 2.99 pts · high 3.04% / low 0.05% Sep 22, 20263.04%▲ from 0.05% Sep 14, 20260.05%first recorded 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: eStatements enrollment; direct deposit of $500 or more; 12 debit and/or credit card purchase transactions; 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 2 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 & over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
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; 12 debit and/or credit card purchase transactions; 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
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; 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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 & over Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 5 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 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 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 5.19 APR for new cars, trucks & vans. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.19% APR · checked 2 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	2.40%	-	2.43%	12 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12 Month Certificate	2.55%	-	2.58%	12 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
18 Month Certificate	2.40%	-	2.43%	18 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
18 Month Certificate	2.55%	-	2.58%	18 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.58% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24 Month Certificate	2.65%	-	2.68%	24 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.68% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24 Month Certificate	2.90%	-	2.94%	24 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
3 Month Certificate	1.90%	-	1.92%	3 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
3 Month Certificate	1.90%	-	1.92%	3 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36 Month Certificate	2.90%	-	2.94%	36 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36 Month Certificate	3.00%	-	3.04%	36 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48 Month Certificate	3.00%	-	3.04%	48 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48 Month Certificate	3.05%	-	3.09%	48 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificate	1.90%	-	1.92%	6 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6 Month Certificate	2.25%	-	2.27%	6 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
60 Month Certificate	3.15%	-	3.20%	60 months
Min Deposit $500 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
60 Month Certificate	3.20%	-	3.25%	60 months
Min Deposit $25,000 Details Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). 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. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Add	2.40%	-	2.43%	12 Months
Min Deposit $25 Details 2 Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.43% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Bump Up	2.40%	-	2.43%	12 Months
Min Deposit $500 Details 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.43% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Bump Up	2.65%	-	2.68%	24 Months
Min Deposit $500 Details 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Special Purpose Share	0.05%	-	0.05%
Min Deposit $5 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 4 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

Q2 2026 MBR Health & Safety Badge

SAFE Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/safe-credit-union-rates-review-68366">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for SAFE Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for SAFE Credit Union

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 CD3.04%
Savings0.70%
MMA2.22%

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

Compare to Other Credit Unions

SAFE Credit Union Rates & Review October 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

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