Folsom, CA 95630

Phone 916-979-7233

Notable Rates APY Vs.Others
Savings 0.10% 2.10% →
1-Year CD 0.85% 2.02% →
2-Year CD 1.26% 2.02% →
5-Year CD 1.71% 2.02% →
30-Year Mortgage 3.76% 3.03% →
15-Year Mortgage 3.22% 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Credit Union Information

Safe is an NCUA insured institution located in Folsom, CA. It was founded in 1940 and has approximately $2991.94 millions in assets.

Who can join?

SAFE Credit Union serves anyone who lives or works in Sacramento, Placer, Yolo, Yuba, Sutter, Amador, Butte, Contra Costa, Nevada, San Joaquin, Solano, or El Dorado County.

NCUA Insured Yes
Charter Number # # 68366
Date Established 1940
Assets $2,991.94 million
Loans $2,461.97 million
Deposits $2,602.91 million
Capital $294.99 million

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.

Deposit Rates - March 29, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,001 $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
Premium Money Market Account
3.26% $2,001 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $500 $24,999 Learn MoreShow Less
6 Mo CD
0.55% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 $99,999 Learn MoreShow Less
Fixed IRA
0.85% $500 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $1,999 Learn MoreShow Less
Int Ckg
0.10% $2,000 $9,999 Learn MoreShow Less

Loan Rates - March 29, 2020

Your Current Location: Connecticut, CT 06828

Auto Loan Rates APR Rate Monthly Payment
3 Year 4.09% 4.09% $739.10
4 Year 4.09% 4.09% $565.48
5 Year 4.09% 4.09% $461.43
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment
Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Below are Safe 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 Locations

Financial Details

Safe Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Safe. 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 U.S. Average
3.71% 5.86

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 June 30, 2019, Safe had $10,644,883 in non-current loans and $876,571 in owned assets. To cover these potential losses it had $294,991,205 in net worth and $15,189,409 in loans loss reserves. That gives it a Texas Ratio of 3.71%.

Net Worth
Safe U.S. Average
9.85% 13.65%

Safe FCU has a net worth of 9.85% versus the BestCashCow average of 13.65. 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

Branches and Savings

What is Safe?

A federal credit union, registered with the NCUA under certificate #68366.
Learn more about credit unions here.

Is Safe 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?

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

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

Safe'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?

Safe has total capital of $294.99 million. Full information on Safe's financial position is located above.

Who owns Safe?

Credit Unions are owned by their members.

Where are Safe branches located?

See branch locations nearby.

Are Safe ATMs Open 24/7?

Do Safe ATMs accept cash deposits?

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

Does Safe have a mobile app?

Does Safe have mobile deposit?

Does Safe have quick pay?

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

Does Safe report to credit bureaus?

Does Safe use Chexsystems?

Does Safe use Equifax?

What is Safe's toll free phone number?

What is Safe's ACH Routing Number?

What is Safe's SWIFT code?

Where can I find Safe's wire transfer form?

What is the Safe address for deposits?

What Products Does Safe Offer

Does Safe offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Safe offer auto and RV loans?

Compare auto loan rates here.

Does Safe offer student loans or personal loans?

Compare personal loan rates here.

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