P. O. Box 2008
Sumter, SC 29151

Notable Rates APY Vs.Others
Savings 0.20% 2.20% →
1-Year CD 1.61% 2.20% →
2-Year CD 2.07% 2.20% →
5-Year CD 2.69% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Safe is an NCUA insured institution located in Sumter, SC. It was founded in 1955 and has approximately $1072.71 millions in assets.

Who can join?

You can if you...

Live, work, worship or go to school in Lee, Clarendon, Sumter and Orangeburg counties and parts of Kershaw, Florence, Richland and Lexington counties, South Carolina.

Work for one of the 500+ companies offering SAFE membership as an employee benefit

Have someone in your family eligible for membership.

(Note: there are other methods of qualifying, but one must email their Member Service Council for details.)

NCUA Insured Yes
Charter Number # # 9988
Date Established 1955
Assets $1,072.71 million
Loans $804.49 million
Deposits $928.55 million
Capital $126.58 million

Field of Membership Restrictions

Membership in SAFE Federal Credit Union is open to live, work, worship or go to school in Lee, Clarendon, Sumter, Florence or Orangeburg counties or parts of Kershaw, Richland and Lexington counties, South Carolina.

Deposit Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,000 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 - Learn MoreShow Less
1.61% $1,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.90% $1,000 $49,999 Learn MoreShow Less
1.11% $1,000 $49,999 Learn MoreShow Less
1.61% $1,000 $49,999 Learn MoreShow Less
1.71% $1,000 $49,999 Learn MoreShow Less
2.07% $1,000 $49,999 Learn MoreShow Less
1.97% $1,000 $49,999 Learn MoreShow Less
2.31% $1,000 $49,999 Learn MoreShow Less
2.31% $1,000 $49,999 Learn MoreShow Less
60 Mo CD
2.69% $1,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.50% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $500 - Learn MoreShow Less

Loan Rates - February 23, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SAFE

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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


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
4.23% 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 $5,077,516 in non-current loans and $447,217 in owned assets. To cover these potential losses it had $126,582,022 in net worth and $4,132,221 in loans loss reserves. That gives it a Texas Ratio of 4.23%.

Net Worth
Safe U.S. Average
11.8% 13.65%

Safe FCU has a net worth of 11.8% 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 #9988.
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 $126.58 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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