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SAFE Credit Union

Join SAFE

SAFE. For What’s Next.


At SAFE, we know your financial path isn’t one-size-fits-all and it changes as life does. That’s why we offer knowledge, opportunities, and personalized support to help every member feel financially safe. With over 250,000 members, we’re committed to building financial freedom for our members and our community—for today and whatever comes next.

Who Can Join SAFE
If you live or work in Sacramento, Placer, El Dorado, Yolo, San Joaquin, Contra Costa, Solano, Yuba, Sutter, Butte, Nevada, Alameda, or Amador County—you’re eligible to join. Family members are welcome, too.

Products Built to Support Your Journey.

Freedom Checking

Simple, stress-free banking, with all the essentials and no monthly fees.

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Open Now

Perfect Cents Checking®

Our most popular option, designed for everyday use while earning higher dividends.1

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Open Now

Business Value Checking

Easy, reliable access to your funds. Built for small and growing businesses.

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Not seeing what you need? Explore more checking accounts.

Exclusive Perks for Members.

You deserve more than just a place to bank. At SAFE, membership means early paydays, financial guidance, and tools that support the way you live and manage money every day.

Get Paid Sooner

Why wait? Set up direct deposit and get your paycheck up to two days early.2

Bank on the Go

Check balances, move money, and stay in control anytime with the SAFE Mobile App.

Guidance for Real Life

From budgets to big goals, learn at your pace with free expert-led workshops & webinars.

Building Community

From scholarships and grants to the SAFE Credit Union Convention Center and other local partnerships, we’re rooted in community and committed to giving back.

Real Members. Real Moments.

"I have no suggestions to improve service. We are treated like million dollar customers."
Richard S.
Member
"Everyone is looking out for me."
Billy H.
Member
"SAFE cares about their members."
Janet G.
Member
"I have been with SAFE for 35 years and have had a wonderful experience with them the whole time."
Michael L.
Member
"SAFE gives great service, has careful procedures and premier tech protection from all the scammers out there!"
Sandra M.
Member
"It was part of my business plan, to grow into a location that I could own the property because that only ensures success and that's what SAFE provided for me..."
Sal's Tacos
Business Member

1 Two monthly requirements must be met to receive dividends on Perfect Cents Checking: 1) Active enrollment in eStatements; 2) Minimum of 10 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Perfect Cents Checking account. Fees may reduce earnings on accounts.

2 With Early Payday, SAFE may make incoming direct deposits made through ACH available for use up to two days before the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Funds availability may depend on when we receive the originator’s instructions, any limitations we set on the amount of early availability, and fraud prevention screening. Funds not eligible for Early Payday deposits or credits to your account, include deposits of physical checks or remote check deposits, and other online transfers or electronic credits.