Featured Savings Rates
Featured Accounts

Safe Credit Union

Popular Accounts at this Credit Union

1.00%Reward CheckingPerfect Cents Checking
1.00%Reward SavingsShare Savings w/ Perfect Cents Checking
1.61%5-year CD60 - 72 Month CD

Overview / Commentary
2295 Iron Point Rd
Folsom, CA 95630

Safe Credit Union is headquartered in Folsom and is the 15th largest credit union in the state of California. It is also the 79th largest credit union in the nation. It was established in 1940 and as of December of 2016, it had grown to 642 employees and 206,730 members at 23 locations. Safe Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Safe Credit Union is open to those who live, work, attend school or worship in Sacramento, Yolo, Placer, Yuba, Amador, Sutter, Butte, Contra Costa, Nevada, San Joaquin, Solano, or El Dorado counties in California.
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Reviews (5)

SAFE CU Customer Review

Posted by: Mhiggins | Apr 21, 2017

I’ve been with SAFE CU for over 14 years and have never had an issue with them. I still “walk in” to the CU on pay day because I refuse direct deposit. The CU’s tellers, and other staff, are always bright and smiling when I come in. When I wanted to open a couple CD’s one of the CU managers sat with me and walked over all the do’s and don’ts and answered all of my questions/concerns. She asked my intentions and then she pointed me to the CD’s that were perfect for my needs…. GO SAFE….

Easy to use and online access to banking

Safe Credit Union offers many great solutions to everyday banking that are different from other big banks or local banks. First of all, signing in online is very safe and secure. If it is a different computer, the system will send you a text or email, this is an extra security step. When online, viewing your banking history is easy and provides instant history of your everyday transactions and bills payed online. On top of that, your transactions can be categorized into different groups to make it easier to see where one used their card. Transferring money is also super easy. Furthermore, applying for a credit card or loan is convenient and can be done real quick and with assistance if needed. Last, an app can be downloaded to your phone to utilize banking services and view your balance anytime and anywhere at your convenience, and even with the app, your security always comes first. Safe Credit Union is a great bank with super great online support and accessibility.

Safe Credit Union's Excellent Service

Posted by: DanielT | Aug 29, 2014

This is one of the best credit unions in the greater Sacramento area. After being a member for over 3 years, I have to say that this is the best bank and credit union by far. They offer free credit and savings account and offer superior customer service and online service. Their mobile service is excellent as well, very fast and efficient. You can transfer money easily and their savings account is very good as well. The best part about this credit Union is that they are fair when it comes to fees. I have not once been charged fees for going over limit, and if you do, you can pay make your account positive by the end of the day without being charged the fee.

Now To Charge For Coin Deposits

Posted by: carly | Dec 4, 2013

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.

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.


Health Grade Components

NCUA #68366
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD5.04%
Annual Interest Income$66.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.51B$2.29B
LoansQ4 2016vs Q4 2015$1.80B$1.45B
DepositsQ4 2016vs Q4 2015$2.25B$2.05B
Equity CapitalQ4 2016vs Q4 2015$229.2MM$217.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$16.5MM$16.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$3.9MM$6.7MM
Real Estate OwnedQ4 2016vs Q4 2015$0$2.9MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Safe Credit Union Savings Account Rates

1.00%*-$1kShare Savings w/ Perfect Cents Checking
OTHER TIERS: 0.10% $1k+
1.00%*-$1kYoung Member Account w/ Perfect Cents Checking
OTHER TIERS: 0.10% $1k+
0.35%*$200k*-IRA Accumulator Savings.
OTHER TIERS: 0.25% $25 - $100k | 0.30% $100k - $200k
0.35%*$200k*- CESA Accumulator Savings
OTHER TIERS: 0.25% $25 - $100k | 0.30% $100k - $200k
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
OTHER TIERS: 0.05% $25 - $2k | 0.10% $2k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $200k | 0.35% $200k - $500k
0.40%*$500k*-Business Money Market
OTHER TIERS: 0.05% $25 - $2k | 0.10% $2k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $200k | 0.35% $200k - $500k

Safe Credit Union Checking Account Rates

1.00%*$25*$25kSAFE Partnership Checking
OTHER TIERS: 0.10% $25k+
1.00%*$25*$1kPerfect Cents Checking
OTHER TIERS: 0.01% $1k+
0.30%*$100k*-Business Checking
OTHER TIERS: 0.05% $25 - $2k | 0.10% $2k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k
0.25%*$50k*-SAFE Prestiege Checking
OTHER TIERS: 0.05% $25 - $2k | 0.10% $2k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

Safe Credit Union CD Rates

2.02%$500-50 Month CD Speical
2.02%$500-Business 50 Month CD Special
1.61%*$25k*-60 - 72 Month CD
OTHER TIERS: 1.51% $500 - $25k
1.61%*$25k*-Business 60 - 72 Month CD
OTHER TIERS: 1.51% $500 - $25k
1.31%*$25k*-48 - 59 Month CD
OTHER TIERS: 1.21% $500 - $25k
1.31%*$25k*-Business 48 - 59 Month CD
OTHER TIERS: 1.21% $500 - $25k
1.00%*$25k*-36 - 47 Month CD
OTHER TIERS: 0.95% $500 - $25k
1.00%*$25k*-Business 36 - 47 Month CD
OTHER TIERS: 0.95% $500 - $25k
1.00%$500-25 Month CD Special
1.00%$500-Business 25 Month CD Special
0.75%$500-24 Month Bump-Up Advantage CD
0.75%*$25k*-24 - 35 Month CD
OTHER TIERS: 0.70% $500 - $25k
0.75%*$25k*-Business 24 - 35 Month CD
OTHER TIERS: 0.70% $500 - $25k
0.75%$500-Business 24 Month Bump-Up Advantage CD
0.55%$500-12 Month Bump-Up Advantage CD
0.55%*$25k*-12 - 23 Month CD
OTHER TIERS: 0.50% $500 - $25k
0.55%*$25k*-Business 12 - 23 Month CD
OTHER TIERS: 0.50% $500 - $25k
0.55%$500-Business 12 Month Bump-Up Advantage CD
0.50%$25-12 Month Add-On CD
0.50%$25-Business 12 Month Add-On CD
0.35%$500-6 - 11 Month CD
0.35%$500-Business 6 - 11 Month CD
0.25%$500-3 - 5 Month CD
0.25%$500-Business 3 - 5 Month CD

Safe Credit Union IRA Rates

2.02%--50 Month IRA Special
1.61%*$25k*-60 - 72 Month IRA
OTHER TIERS: 1.51% $500 - $25k
1.31%*$25k*-48 - 59 Month IRA
OTHER TIERS: 1.21% $500 - $25k
1.00%*$25k*-36 - 47 Month IRA
OTHER TIERS: 0.95% $500 - $25k
1.00%$500-25 Month IRA Special
0.75%$500-24 Month Bump-Up Advantage IRA
0.75%*$25k*-24 - 35 Month IRA
OTHER TIERS: 0.70% $500 - $25k
0.55%$500-12 Month Bump-Up Advantage IRA
0.55%*$25k*-12 - 23 Month IRA
OTHER TIERS: 0.50% $500 - $25k
0.50%$25-12 Month Add-on IRA
0.35%$500-6 - 11 Month IRA
0.25%$500-3 - 5 Month IRA

Safe Credit Union has 23 locations. Click to view all Safe Credit Union locations.