Bakersfield, CA 93311


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61598
Date Established 1952
Assets $647.89 million
Loans $514.78 million
Deposits $539.42 million
Capital $97.48 million

Safe 1 is an NCUA insured institution located in Bakersfield, CA. It was founded in 1952 and has approximately $647.89 millions in assets.

Who can join?

Membership in Safe 1 Credit Union is available to anyone who meets one or more of the following:

• Lives or works in Kern County, California
• Lives or works in Tulare County, California
• Immediate family member of an existing member
• Immediate family member includes:
o The member's spouse, parent, sibling, child or grandchild
o The parent or sibling of the member's spouse
o The spouse of a member's child
o The spouse of a member's sibling

Field of Membership Restrictions

Membership is open to those who live or work in Kings, Kern, Fresno, or Tulare Counties in California.

Deposit Rates - September 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
Special: 15 Mo FIRA
2.01% $1,000 - Learn MoreShow Less
Special: 20 Mo FIRA
1.75% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
Special: 15 Mo CD
2.01% $1,000 - Learn MoreShow Less
18 Mo CD
0.75% $1,000 - Learn MoreShow Less
24 Mo CD
1.00% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $5,000 - Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for SAFE 1

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to SAFE 1
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Safe 1 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Safe 1 Locations

Financial Details

Safe 1 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Safe 1. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Safe 1 U.S. Average
5.91% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Safe 1 had $5,513,116 in non-current loans and $426,832 in owned assets. To cover these potential losses it had $97,479,402 in net worth and $3,035,517 in loans loss reserves. That gives it a Texas Ratio of 5.91%.

Net Worth
Safe 1 U.S. Average
15.04% 13.47%

Safe 1 FCU has a net worth of 15.04% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Safe 1

Branches and Savings

What is Safe 1?

A federal credit union, registered with the NCUA under certificate #61598.
Learn more about credit unions here.

Is Safe 1 FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Safe 1?

Please see Field of Membership information above for information on who is eligible to join.

What are Safe 1's share account and share certificate rates?

Safe 1's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Safe 1?

Safe 1 has total capital of $97.48 million. Full information on Safe 1's financial position is located above.

Who owns Safe 1?

Credit Unions are owned by their members.

Where are Safe 1 branches located?

See branch locations nearby.

Are Safe 1 ATMs Open 24/7?

Do Safe 1 ATMs accept cash deposits?

Can Safe 1 customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Safe 1 have a mobile app?

Does Safe 1 have mobile deposit?

Does Safe 1 have quick pay?

How can Safe 1 transfer money to other banks or credit unions?

Does Safe 1 report to credit bureaus?

Does Safe 1 use Chexsystems?

Does Safe 1 use Equifax?

What is Safe 1's toll free phone number?

What is Safe 1's ACH Routing Number?

What is Safe 1's SWIFT code?

Where can I find Safe 1's wire transfer form?

What is the Safe 1 address for deposits?

What Products Does Safe 1 Offer

Does Safe 1 offer mortgages?

Compare mortgage rates here.

Does Safe 1 offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Safe 1 offer auto and RV loans?

Compare auto loan rates here.

Does Safe 1 offer student loans or personal loans?

Compare personal loan rates here.

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