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Personal Grow Your Money

Capitol Club

The Capitol Club is an exclusive program offered to our members with high balances in their checking, savings, and certificates — in addition to loan balances. Members receive extensive benefits, such as premium dividends and priority service.

Worry-free enrollment

You don't need one more thing added to your to-do list. That's why, once Capitol Club qualifications have been met, enrollment is automatic and you can immediately start enjoying the benefits.


Free yourself of fees

Monthly service fees are waived on the personal checking account of your choice. And, as a Capitol Club member, you automatically qualify for Capitol Checking, which offers the highest available dividends on checking.


Take advantage of extensive free services

As a premier member, you are entitled to free ATM transactions1, debit and credit card replacement, standard checks2, cashier's checks, overdraft transfers, in-branch notary services, Coinstar® coin redemptions, a safe deposit box3, and more.


Boost your savings

Maximize your savings balances with premium certificate rates.4


Enjoy prioritized service

Capitol Club members are bumped to the top of our Live Chat service queue.


Receive special gifts5

When you see SAFE at a community event, stop by the booth and proudly tell our helpful staff that you're a Capitol Club member. You may walk away with a little token of our appreciation.


Capitol Club Qualifications

To qualify for Capitol Club, members must have a personal SAFE checking account and $100,000 or more in combined deposit and loan balances — such as mortgages — with a minimum of $25,000 maintained in deposit accounts. The enrollment period is effective for one year from the date the requirements were last met. SAFE reserves the right to amend enrollment criteria, change benefits, or discontinue program at any time without notice.

1 SAFE will not charge a fee to use another financial institution’s ATM; however, individual merchant fees or surcharges may apply. 2 Limited to one box or discount per calendar year. 3 2” x 5” or 3” x 5” safe deposit box or equivalent discount on other box sizes. 4 Eligible for rate increase of .25% at time of opening for most certificate products. Rate increase not automatic for renewing certificates or when new certificates are opened online. Rate increase of .25% upon request for renewing certificates within grace period. 5 Limited quantities and subject to availability. View rates and disclosures

Go Big, Go Bold!

The SAFE Credit Union 13-month Flex Advantage Certificate lets you withdraw funds with no penalties1. And as a SAFE Capitol Club member, you’ll earn a higher dividend rate with 2.27% APY2.

Open Now

Stop by your local SAFE branch or call us at
(916) 979-7233 or (800) SEE-SAFE for more information.

1 Penalty-free withdrawals beginning 7 days after account funding. 2 Annual Percentage Yield (APY) accurate as of 7/1/19 and subject to change. Capitol Club .25% increase included in the displayed APY. Dividends paid monthly. Certificate penalties will apply for withdrawals made within the first 6 days of account opening. Fees may reduce earnings on accounts. Minimum initial deposit of $5,000. Certificate must be opened with new money coming from another financial institution. Certificate will roll over to a standard certificate at a non-promotional dividend rate in effect at time of maturity based on term and renewal balance.

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