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SAFE certificates provide a great way to lock in higher rates for a specific term ranging from three to 60 months. SAFE offers a variety of certificates, including Bump Up, and Add On. All of our certificate products are available as individual retirement accounts as well.
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†View rates & disclosures
Start building your savings quickly and easily with our , and watch your savings grow.
APY†
Take advantage of no-penalty withdrawals with our 20-month .
Earn higher dividends on your balances, with terms ranging from three to 60 months.
As high as APY† With a minimum deposit of $500
As high as APY† With a minimum deposit of $25,000
- months
Take advantage of a rate increase if one becomes available during your 12 or 24-month certificate term.
APY† With a term of
Annual Percentage Yield (APY) accurate as of and subject to change. Dividends paid monthly. Certificate penalties for early withdrawal may apply. Fees may reduce earnings on accounts.
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All SAFE Certificates Feature:
Automatic rollover
When a certificate matures, the certificate holder has a certain number of days to move the proceeds to another account. If they do nothing, SAFE automatically reinvests the proceeds into a new certificate.
Withdraw earned dividends without penalty
Dividend payments are credited monthly and may be withdrawn without penalty at any time.
Insured by NCUA
Funds are federally insured by NCUA to at least $250,000.
The dividend rate is the total income for a dividend-yielding asset earned during a fiscal year. For example, if you invest $10, you will first earn dividends on that $10. But every month after, you’ll earn dividends on the $10 plus dividends on your dividends.
APY is the total amount of dividends you earn on a deposit account over one year.
Financial Calculators
Get the numbers you need to make confident decisions about your savings goals.
Beyond Everyday Banking
Browse SAFE blog articles about savings:
Zogo, Learn & Earn App
Learn about finances as easily as playing a game on your phone! The Zogo app brings fun to learning and an opportunity to earn rewards like gift cards to your favorite places.
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."
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You will need the following information in order to complete the application: