SAFE Credit Union, is a full-fledge credit union open to people living in Sacramento, Yolo, Yuba, El Dorado, Sutter or Placer Counties. Here is a brief review of SAFE’s rates.

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SAFE Money Market Accounts

SAFE Credit Union Money Market Account has a 0.55% APY rate with $25,000 or more deposited, 0.35% for $10,000 to $25,000 deposited, 0.25% for $2,000  to $10,000. There is a monthly service fee of $12 and a minimum deposit of $2,000. Account Features:

ATM access, Phone Banking, Free Online Banking, Free eStatements, FreeMobile Banking

Their Capital Access Money Market is for bigger deposits of $50,000 minimum. 1.31% APY on deposits of $500,000 or more, $200,000 to $500,000 is 1.06% APY, $100,000 to $199,000 has a 0.85% APY and $50,000 has a rate of 0.65%. Account Features

ATM access, Phone Banking, Free Online Banking, Free eStatements, FreeMobile Banking

SAFE Saving Accounts

SAFE Credit Union IRA Savings account has rates of 1.06% of $200,000 or more. $100,000 to $200,000 for 0.85%, $50,000 to $100,000 0.65%. There is a $25 minimum opening deposit required.

SAFE Credit Unions Share Savings come with free online access, overdraft protection. There is a $5 Monthly Account Maintenance Fee (Fee is waived if you have $300 or more, an active loan, a new account), direct deposit totaling $25 or more.

SAFE Checking Accounts

SAFE Credit Union has a plethora of checking accounts, but to illuistrate their offerings I’ll review their “SAFE Online Checking”. It has a 0.75% APY Rate on the first $1,000, it requires a $25 minimum to open, it must be opened online and requires eStatements. This account features include:

Free Online Banking, Free eStatements, Free Bill Pay for active users, Free access to 28,000 ATMs nationwide, Free access to online check images, Overdraft Protection

All SAFE Money Market Accounts are federally insured by the NCUA.


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