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3720 Madison Ave
North Highlands , CA 95660

Safe Credit Union is headquartered in North Highlands and is the 15st largest credit union in the state of California. It is also the 76th largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 521 employees and 170,335 members. Safe Credit Union has a A health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works or worships in Sacramento, Placer, Yolo, Yuba, Sutter, Amador, Butte, Contra Costa, Nevada, San Joaquin, Solano, or El Dorado Counties. - See Details

Reviews (2)

The Worst Ever

I've been a SAFE credit union member since 1986. In that time they have repeatedly inspired me to take my serious banking business elsewhere - and by repeatedly inspired I mean horrific failures that cost me huge money and inconvenience and all I got was lame excuses and useless apologies. I use them for a few things that are handy; cheap wire transfers, free coin counter, backup ATM card. I won't trust them with more than the cost of a tank of gas  ever again.

Now To Charge For Coin Deposits

I've stayed with SAFE because they had a coin machine in the lobby that would automatically deposit the coins to your checking or savings. On the downside, they wouldn't accept a roll of coins at the tellers.

Starting January 1st, they will start charging a 3% fee to accept coins deposited to your account. They are actually already charging the fee at the coin machine but the teller will refund it until Jan 1st.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Safe Credit Union had $17.06 million in non-current loans and owned real-estate with $217.38 million in equity and loan loss allowances on hand to cover it. This gives Safe Credit Union a Texas Ratio of 7.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Safe Credit Union experienced no significant changes from 7.03% as of December 31, 2012 to 7.85% as of December 31, 2013, resulting in a negative change of 11.59%. This indicates that the balance sheet and financial strength for Safe Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Safe Credit Union has increased its total deposits by $96.23 million, resulting in 5.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Safe Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Safe Credit Union has $2.01 billion in assets with $217.38 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

NCUA #68366
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$2.01 billion
Loans$1.11 billion
Deposits$1.79 billion
Equity Capital$197.30 million
Loan Loss Allowance$20.08 million
Unbacked Noncurrent Loans$16.33 million
Real Estate Owned$732,000
Historic Data - December 2012
Assets$1.91 billion
Equity Capital$195.87 million
Loan Loss Allowance$23.75 million
Unbacked Noncurrent Loans$16.33 million
Real Estate Owned$212,000
Profit Margin - Quarterly
Net Interest Margin4%
Return on Assets0.68%
Return on Equity6.93%
Interest Income$58.28 million

Always verify rates and promotions with the bank or credit union. We are not Safe Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Safe Credit Union Savings Account Rates

0.35%$200k-IRA Accumulator Savings
0.35%$200k-CESA Accumulator Savings
0.35%$200k-Roth IRA Accumulator Savings
0.35%$200k-SEP IRA Accumulator Savings
0.10%--Share Savings
0.10%--SAFE Saver Kids Club
0.10%--Young Member Savings
0.10%--Special Share
0.10%--Business Savings
0.10%$20-Holiday Club

Safe Credit Union Money Market Rates

0.40%$500k-Capitol Access Money Market
0.40%$500k-Business Money Market
0.30%$100k-Money Market

Safe Credit Union Checking Account Rates

0.50%-$1kSAFE Online Checking
0.25%$50k-SAFE Prestiege Checking
0.05%--SAFE Checking
0.05%--Business Checking

Safe Credit Union CD Rates

1.26%$100k-60 - 72 Month CD
1.26%$100k-Business 60 - 72 Month CD
0.95%$100k-48 - 59 Month CD
0.95%$100k-Business 48 - 59 Month CD
0.90%$1k-36-Month Certificate Ladder Special
0.90%$1k-Business 36-Month Certificate Ladder Special
0.65%$25k-36 - 47 Month CD
0.65%$25k-Business 36 - 47 Month CD
0.45%$10k-24 Month Bump-Up Advantage CD
0.45%$25k-24 - 35 Month CD
0.45%$25k-Business 24 - 35 Month CD
0.45%$10k-Business 24 Month Bump-Up Advantage CD
0.35%$10k-12 Month Bump-Up Advantage CD
0.35%$100k-12 - 23 Month CD
0.35%$100k-Business 12 - 23 Month CD
0.35%$10k-Business 12 Month Bump-Up Advantage CD
0.30%$25-12 Month Add-On CD
0.30%$25-Business 12 Month Add-On CD
0.25%$500-6 - 11 Month CD
0.25%$500-Business 6 - 11 Month CD
0.20%$500-3 - 5 Month CD
0.20%$500-Business 3 - 5 Month CD

Safe Credit Union IRA Rates

1.26%$100k-60 - 72 Month IRA (Traditional,Roth,CESA,SEP)
0.95%$100k-48 - 59 Month IRA (Traditional,Roth,CESA,SEP)
0.90%$1k-36-Month IRA Ladder Special (Traditional,Roth,CESA,SEP)
0.65%$25k-36 - 47 Month IRA (Traditional,Roth,CESA,SEP)
0.45%$10k-24 Month Bump-Up Advantage IRA (Traditional,Roth,CESA,SEP)
0.45%$25k-24 - 35 Month IRA (Traditional,Roth,CESA,SEP)
0.35%$10k-12 Month Bump-Up Advantage IRA (Traditional,Roth,CESA,SEP)
0.35%$100k-12 - 23 Month IRA (Traditional,Roth,CESA,SEP)
0.30%$25-12 Month Add-on IRA (Traditional,Roth,CESA,SEP)
0.25%$500-6 - 11 Month IRA (Traditional,Roth,CESA,SEP)
0.20%$500-3 - 5 Month IRA (Traditional,Roth,CESA,SEP)

Safe Credit Union has 22 locations. Click to view all Safe Credit Union locations.