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Credit Card Rates & Disclosures

If you would like to apply for a credit card online, please review the rates and click the Apply Now button below.

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Rates and terms are subject to change without notice.
Rates effective as of September 1, 2016
SAFE Credit Union Credit Card Rate Sheet
SAFE Credit Union Credit Card Rate Sheet

The following disclosure represents important details concerning SAFE Credit Union's credit cards. The information is accurate as of and may change after this date. You may call us toll free at (800) SEE-SAFE or write us at SAFE Credit Union, 2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 to inquire if any changes have occurred since the date stated above.

  Platinum Rewards
Visa® Card
Platinum
Cash Rewards
Visa® Card
Platinum
Visa® Card
Partner for Change,
Aerospace Museum
of California
Visa® Card
Student
Visa® Card
Share Secured
Visa® Card
1
Interest Rates and Interest Charges
Annual Percentage
Rate (APR)
for Purchases
10.15% - 16.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
11.15% - 17.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
9.15% - 15.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
10.15% - 16.15%
when you open your account, based on your
creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
19.15%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate
10.00%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
10.15% - 16.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
11.15% - 17.15%
when you open your account, based on your
creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
9.15% - 15.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
10.15% - 16.15%
when you open your account, based on your
creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
19.15%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate.
10.00%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances
10.15% - 16.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
11.15% - 17.15%
when you open your account, based on your
creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
9.15% - 15.15%
when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
10.15% - 16.15%
when you open your account, based on your
creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
19.15%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate.
10.00%
when you open
your account. After that, your APR will vary with the market based on the Prime Rate.
Penalty APR and When
it Applies
21.90% This APR may be applied to your account if you:
  • Make a late payment
  • Make a payment that is returned.
How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers as of the transaction date.
Minimum Interest Charge
None
None
None
None
None
None
For Credit Card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore .
Fees
Annual Fee
None
None
None
None
None
$15
Transaction Fees
Balance Transfer None
Cash Advance Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
Foreign Transaction None Up to 1% of each transaction in U.S. dollars.
Penalty Fees
Late Payment $15 or the current minimum payment amount, whichever is less.
Returned Payment Up to $10.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 Share Secured credit cards are secured by a pledge of specific funds held on deposit in a share account at SAFE Credit Union.