Please choose whether this site may use cookies or related technologies as described below.
Required Cookies Required to enable core site functionality and provide secure log-in for online banking.
Functional Cookies Necessary to provide a full visitor experience, including live chat.
Marketing Cookies Allows us to analyze site usage to improve performance and serve ads on third party advertisers that are relevant to your interest.
Save My Preferences
Learn more about how this site uses cookies by reading our Privacy Statement.
At SAFE Credit Union we don't answer to shareholders, we answer to members. We answer to you. We sincerely hope you'll give us the opportunity to put YOU first.
What are you saving for? Whether it's a new car, a house, a dream vacation, or just saving for a rainy day, SAFE has a savings solution to help you reach your financial goals.
At SAFE we understand that borrowing money is often essential to making dreams a reality. Our professional experts are here to help - so let's get started. .
View balances, transfer money between your accounts, make a deposit, and much more. You get 24/7 access to your accounts from home, work, or anywhere in the world.
IOS App Rating/Android App Rating 4.8
Empower your future. Take advantage of our useful webinars to improve your financial well-being.
SAFE offers everything you need to manage your growing business, including full-service checking and savings accounts. Start your application online today.
Learn more about SAFE's Business Banking accounts, loans, and services directly from one of our experts.
Our advisors have the tools and experience to help you evaluate your situation and adapt your investment plan, when necessary, as your financial situation evolves.
SAFE Credit Union awards grants and scholarships. Learn how you can apply or nominated someone.
Subscribe to get the latest news on the SAFE Credit Union Convention and Performing Arts District.
Learn how adding our suite of financial health services to your employee benefits package can help you solidify your position as an employer of choice.
Researching home loans can be overwhelming – how do you know what option is best suited for your needs? That’s where scheduling time to talk with a SAFE Mortgage Officer fits in. To help you prepare for that discussion, below is a high-level overview of the key benefits of both fixed- and adjustable-rate mortgages and the home loan options SAFE offers.
For home purchase or refinance assistance, please call (916) 971-2599 or schedule an appointment.
For home equity needs, please fill out the following form and a SAFE representative will contact you.
If you’re a first-time home buyer, this flexible loan option is designed for you.
Terms and conditions subject to change. Income restrictions and additional conditions apply. Not required to be a first-time home buyer.
Conventional home loans are fixed-rate mortgages that are not insured or guaranteed by the federal government. The benefit to having a conventional home loan is that your rate and monthly payment may be lower than other guaranteed mortgages.
This is an excellent product for buyers who have saved for a large down payment and have top-tier credit scores. If you meet this criteria, SAFE can help you take advantage of:
Rates and Disclosures
Jumbo Home Loans exceed California's conforming loan limits of $766,550 for a single-family home. These loans have a down payment as low as 10% and are offered with a fixed or adjustable rate. A SAFE Mortgage Officer can help you decide which option is best for you, including the:
Shave off years of payments and thousands of dollars with a SAFE 10-year fixed-rate home loan! You can either purchase or refinance with a Ten & Done Home Loan to take advantage of:
*APR effective
SAFE has partnered with Newzip to give you a concierge real estate experience. Newzip will match you with a vetted real estate agent in your local area that’s best fitted to your specific needs. And by using a Newzip real estate agent, you can save thousands on closing costs with SAFE HomeRewards.
Learn More
*Home buyers who utilize Newzip's agent matching service will receive HomeRewards in the form of credit at closing equal to 0.5% of the home sale price. Home sellers who utilize Newzip's agent matching service will save 1% in the form of a discounted agent listing fee.
If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE Credit Union may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."
Not enrolled? Get Started!
Open a SAFE business account