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Business Savings Accounts

Maximize your capital.

Open Account

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Have an
Emergency Fund

Build up funds in a Share Savings account as a financial cushion for unexpected expenses.

Earn
Interest

Don't leave funds idle. Open a high-yield account with easy access to funds like a Business Money Market account.

Save for
Future Investments

Open a Business Certificate to earn higher dividends over time for future projects or investments.

A SAFE expert can help you find the best solution for your business savings needs.

Business Share Savings

Day-to-day savings account with competitive dividends and easy access to your money.

  • $5 minimum opening balance.
  • Use as overdraft transfer for your SAFE Business Checking Account.

Business Money Market

Earn up to  APY1 on your savings, collecting dividends monthly while you have easy access to your funds.

  • $25 minimum opening requirement.
  • Waive monthly service fee with $2,000 balance or more.2

Business Certificates

Ideal for a longer-term savings strategy, offering low risk and higher dividends.

  • Available in 3 - 60 month terms.
  • Fixed APY earns higher dividends on your money.

Business member services.

Payroll Services

We offer full-service payroll processing options in partnership with Paychex ®.3

Merchant Services

Fiserv Merchant Services3 offers a wide variety of POS options from Clover ® Solutions.

Remote Deposit

Easily deposit checks on-the-go with your SAFE Online Banking account.

Simplified Employee Pension (SEP)

Set your employees up for retirement with this pension plan.

Workplace Financial Wellness

SAFE's Financial Wellness Team offers resources for your employees to set themselves up for financial success.

Additional Resources

Information on licensing, women owned businesses, and government resources.

Own your banking experience with the SAFE Mobile App.

1 APY - Annual Percentage Yield as of January 1, 2026. Tiers & variable APY's: under $10,000 1.11%, $10,000 - $24,999.99 1.11%, $25,000 - $49,999.99 1.61%, $50,000 - $99,999.99 1.87%, $100,000 - $249,999.99 2.12%, $250,000 & over 2.48%. 2 $12 monthly service fee waived if average daily balance equals $2,000 or more. 3 SAFE Credit Union offers this as a referral only and accepts no responsibility or liability for the service. Contracts and agreements are solely between the member and Paychex or Fiserv Merchant Services and strictly at the member's volition.