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SAFE Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

SAFE Federal Credit Union's top rates as of October 12, 2026 are 3.65% APY on its 12 Month Investment CD, 0.15% APY on savings, 2.70% APY on money market accounts, 3.00% APY on checking, 6.38% on its 5/1 ARM mortgage, personal loans from 9.99% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other SAFE Federal Credit Union CD rates include 12 Month IRA CDs at 3.65%, 6 Month IRA CDs at 3.60%, and 6 Month Share Investment CD at 3.60%. Other SAFE Federal Credit Union mortgage rates include 10-Year Fixed at 6.88%, and 30-Year Fixed at 7.38%. 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 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
3.64%
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
Member NCUA
Customer Reviews
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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 View More
12 Month Investment Certificate - 3.65% 12 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 17, 2026: 3.65% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
12 Month IRA Certificates - 3.65% 12 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
6 Month IRA Certificates - 3.60% 6 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 17, 2026: 3.60% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
12 Month Investment Certificate - 3.55% 12 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 17, 2026: 3.55% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
12 Month IRA Certificates - 3.55% 12 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
12 Month Investment Certificate - 3.50% 12 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
12 Month IRA Certificates - 3.50% 12 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
6 Month IRA Certificates - 3.50% 6 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
6 Month IRA Certificates - 3.45% 6 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 17, 2026: 3.45% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
18 Month Investment Certificate - 2.50% 18 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 17, 2026: 2.50% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
18 Month Investment Certificate - 2.40% 18 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Sep 17, 2026: 2.40% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
18 Month Investment Certificate - 2.35% 18 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Sep 17, 2026: 2.35% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate - 2.35% 24 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+; Ages: 50+; Ages 50+ only
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 12, 2026: 2.35% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate - 2.25% 24 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+; Ages: 50+; Ages 50+ only
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 17, 2026: 2.25% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
24 Month Investment Certificate - 2.25% 24 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 17, 2026: 2.25% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
24 Month Easy Street Account Certificate - 2.20% 24 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000; Ages: 50+; Ages 50+ only
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 2.35% → 2.20% ▼ 0.15 pts · high 2.35% / low 2.20%
1.70%2.28%2.85%Sep 17, 2026: 2.35% APYOct 12, 2026: 2.20% APYSep 17, 2026Oct 13, 2026
  • 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%
24 Month Investment Certificate - 2.15% 24 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Sep 17, 2026: 2.15% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
24 Month Investment Certificate - 2.10% 24 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 17, 2026: 2.10% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
36 Month Investment Certificate - 1.25% 36 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 17, 2026: 1.25% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
36 Month Investment Certificate - 1.15% 36 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 17, 2026: 1.15% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
48 Month Investment Certificate - 1.15% 48 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 17, 2026: 1.15% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
36 Month Investment Certificate - 1.10% 36 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Sep 17, 2026: 1.10% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
60 Month Investment Certificate - 1.10% 60 months
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Sep 17, 2026: 1.10% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
48 Month Investment Certificate - 1.05% 48 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Sep 17, 2026: 1.05% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
48 Month Investment Certificate - 1.00% 48 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 17, 2026: 1.00% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
60 Month Investment Certificate - 1.00% 60 months
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000+
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 17, 2026: 1.00% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
60 Month Investment Certificate - 0.95% 60 months
Min Deposit $1,000
Min Balance $1,000
Details Balance: Up to $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Sep 17, 2026: 0.95% APYSep 17, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Sep 17, 2026: 0.90% APYSep 17, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Sep 17, 2026: 0.80% APYSep 17, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 17, 2026: 0.75% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club - 0.25%
Min Deposit $1
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Flexible Savings - 0.15%
Min Deposit $1
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Regular Savings - 0.10%
Min Deposit $5
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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
Details Checking Account Rates; Minimum to Earn Dividends: $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Checking Rates

Product Rate APY View More
PowerUp Checking - 3.00%
Min Deposit $25
Min Balance $0
Details Checking Account Rates; Minimum to Earn Dividends: $0.01
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 14, 2026: 2.45% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 8 times
1.80%2.30%2.80%Sep 14, 2026: 2.30% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 8 times
1.15%1.65%2.15%Sep 14, 2026: 1.65% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 14, 2026: 0.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
RealLife Checking - 0.05%
Min Deposit $25
Min Balance $500
Details Checking Account Rates; Minimum to Earn Dividends: $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
U 29 Checking - 0.05%
Min Deposit $25
Min Balance $500
Details Checking Account Rates; Minimum to Earn Dividends: $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Y Account Checking - 0.05%
Min Deposit $25
Min Balance $500
Details Checking Account Rates; Minimum to Earn Dividends: $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%

SAFE Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
5/1 ARM 6.375% - 6.725%
Details Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 6.48% → 6.73% ▲ 0.25 pts · high 6.73% / low 6.48%
5.98%6.60%7.23%Sep 18, 2026: 6.48% APROct 4, 2026: 6.73% APRSep 18, 2026Oct 13, 2026
  • 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 Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 6.37% → 6.99% ▲ 0.63 pts · high 6.99% / low 6.37%
5.74%6.68%7.62%Sep 18, 2026: 6.37% APROct 4, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
  • 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 Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 6.80% → 7.43% ▲ 0.63 pts · high 7.43% / low 6.80%
6.17%7.11%8.06%Sep 18, 2026: 6.80% APROct 4, 2026: 7.43% APRSep 18, 2026Oct 13, 2026
  • 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 View More
New and Used Auto Loan - 2024 and Newer - - 4.49% 12-36 months
Details As Low As; Model Year: 2024 and Newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 12, 2026: 4.49% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 12, 2026: 6.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - - 6.50% 84 months
Details As Low As; Model year: 2024 or Newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 12, 2026: 6.74% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 12, 2026: 6.74% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 12, 2026: 6.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - - 7.00% 84 months
Details As Low As; Model year: 2021-2023
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2024 or Newer - - 7.50% 60 months
Details As Low As; Model Year: 2024 or Newer
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.74% APR
7.24%7.74%8.24%Oct 12, 2026: 7.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Off-Road Vehicle Loans - 2023 or Older - - 8.00% 48 months
Details As Low As; Model Year: 2023 or Older
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 12, 2026: 9.49% APROct 12, 2026Oct 13, 2026
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 View More
Boats/Motors/Trailers Loan - 4.00%
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loans - 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 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loans - 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 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loans - 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 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Boat, Motor, and Trailer Loans - 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 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
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; Featured rate from homepage promo card
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 8 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
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 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
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 View More
30-Year Construction Loan - - 8.39% 30-Year
Details As Low As
Last Updated 10/12/2026
Rate History
2 changes since Sep 14, 2026 · 7.71% → 8.39% ▲ 0.68 pts · high 8.39% / low 7.71%
7.03%8.05%9.07%Sep 14, 2026: 7.71% APRSep 25, 2026: 7.98% APROct 8, 2026: 8.39% APRSep 14, 2026Oct 13, 2026
  • Oct 8, 20268.39%▲ from 7.98%
  • Sep 25, 20267.98%▲ from 7.71%
  • Sep 14, 20267.71%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 Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 7.71% → 8.39% ▲ 0.68 pts · high 8.39% / low 7.71%
7.03%8.05%9.07%Sep 18, 2026: 7.71% APROct 4, 2026: 8.39% APRSep 18, 2026Oct 13, 2026
  • 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 Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 6.66% → 7.28% ▲ 0.63 pts · high 7.28% / low 6.66%
6.03%6.97%7.91%Sep 18, 2026: 6.66% APROct 4, 2026: 7.28% APRSep 18, 2026Oct 13, 2026
  • 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 Mortgage rate table; rates as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 18, 2026 · 8.16% → 8.78% ▲ 0.63 pts · high 8.78% / low 8.16%
7.53%8.47%9.41%Sep 18, 2026: 8.16% APROct 4, 2026: 8.78% APRSep 18, 2026Oct 13, 2026
  • 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
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Easy Street Certificate - - 2.35%
Details As High As; Ages 50+ (Easy Street Account Certificate)
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Sep 25, 2026: 2.35% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
IRA Accumulator - - 0.15%
Min Deposit $1
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
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 Certificates; APY as high as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.64%
Millionaires of Tomorrow Youth Certificate - - 3.55%
Details As High As
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
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 Certificates; APY as high as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
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 Certificates; APY as high as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
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
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
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.
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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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.19% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A+ Q1 2026 3.64% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.0B3.64%5.0A+
March 31, 2026$2.0B3.72%5.0A+
December 31, 2025$1.9B6.33%5.0A
September 30, 2025$1.9B6.74%5.0A
June 30, 2025$1.9B6.30%5.0A
March 31, 2025$1.9B5.52%5.0A+
December 31, 2024$1.9B5.99%5.0A+
September 30, 2024$1.9B5.08%5.0A+
June 30, 2024$1.9B3.88%5.0A+
March 31, 2024$1.9B3.96%5.0A+
December 31, 2023$1.8B4.88%5.0A+
September 30, 2023$1.8B5.19%5.0A+
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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

SAFE Federal 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-federal-credit-union-rates-review-9988">
  <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 Federal 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
0
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Frequently Asked Questions About SAFE Federal Credit Union

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.

Current SAFE Federal Credit Union Rates

  • 12-Month CD3.50%
  • 18-Month CD2.35%
  • 24-Month CD2.10%
  • 60-Month CD0.95%
  • Savings0.15%
  • MMA2.70%
Retrieved from our database of financial products. Rates subject to change.

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