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SAFE is here for you

You and your family work hard to reach your goals. Banking with SAFE helps make your goals a reality.

Experience the credit union difference with SAFE

As a community-based financial partner, we act in the interest of our members first—always. Serving members for over 80 years, our mission is to support you and your family’s financial wellness. We offer accounts and services for every age and life stage.

If you work or live within Sacramento, Placer, El Dorado, Yolo, San Joaquin, Contra Costa, Solano, Yuba, Sutter, Butte, Nevada, Alameda, and Amador counties, you’re eligible to join SAFE Credit Union.

We hope you’ll become a SAFE member today!


Choose what's right for you

Perfect Cents Checking®

Our most popular checking account created for everyday users.

Freedom Checking

Easy, stress-free checking for a simplified banking experience.

Prestige Checking

Account tailored to those with high account balances.

Money Market

Get easy access to funds while earning competitive dividends.


Lock in higher dividend rates for a specific amount of time.

Share Savings

Our standard savings account for a simple savings solution.

Cash Back+ Visa Signature® Credit Card

Get more out of each moment with exclusive benefits and earn up to 5% cash back.

Essential Visa® Credit Card

Lower interest rates allow those who tend to carry a balance to pay over time.

Cash Back Visa® Credit Card

The card that earns you cash back.*

Smart Visa® Credit Card

A card that can help build credit with the backing of funds on deposit.

Auto Loans

Car shopping should be fun. Getting pre-approved for a new or used car loan makes shopping easier.

Personal Loans

Reasons for taking out a loan are personal. Finance what matters with a low, fixed-rate loan.

Boat, RV, Motorcycle Loans

Supporting adventurous spirits with flexible loan options to get moving faster.

Home Loans

Local lending with competitive rates, flexible terms, and personalized service to close on the perfect home.

Student Loans

Investing in education is a smart idea. A flexible student loan with Sallie Mae® can help.



Commercial Real Estate

We're here to help businesses expand and maximize investment opportunities.

Business Checking Account

Separation between personal and business funds is a must. Start here with business checking.

SAFE Visa® Business Credit Card

Every business purchase earns points toward travel, merchandise, gift cards, and more.

SBA Loans

Secure the financing you need to grow your business and drive your cash flow.







The SAFE Credit Union Performing Arts Center

SAFE Member Benefits

Exclusive Member Discounts
Save on community-based productions, hotels and resorts worldwide, financial literacy tools, and more.

Financial workshops & webinars
Join us for financial education workshops focused on relevant topics for each of life's milestones.

Personalized financial planning
Get financial guidance from our advisors to reach your goals and aspirations.

Easy banking on the go
Connect to a full suite of mobile and online banking features for easy access to your money.

Insurance and Protection
Plan ahead to protect your family and assets, so the unexpected doesn't keep you sidelined.



Why do over 200,000 members in the Greater Sacramento area love SAFE Credit Union?

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