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Open Now
Securely access your money online and on the SAFE Mobile App.
Get paid up to 2 days early when you sign up for direct deposit.1
Keep $5 or more in your account, and we’ll waive your monthly fee.2
Build a cushion with a savings account that earns dividends and keeps your money easily within reach, just in case.
Earn APY 3
$5 minimum opening deposit.
Open one or a few to save for the things that matter. With the “You-Name-It” feature, name each account to track your progress.
Promotional value APY does not apply.
For members ages 6–17. This savings account pairs perfectly with Freedom Checking, which has no monthly fees and a SAFE Visa® debit card or ATM card.
For little savers 12 and under. It’s never too early to start saving and earn monthly dividends. Enjoy a fun, monthly newsletter full of creative ways to save.
Check balances, move money, & make deposits securely, right from your phone.
Create separate savings accounts and give each one a name to track specific goals.
Use your savings as a fee-free safety net if your checking account is ever overdrawn.
When used with SAFE checking, your debit card purchases round up to the next dollar. The “change” moves to your savings each day.4 (Enrollment required)
The NCUA federally insures your funds to at least $250,000.
Visit our local branches and bank with our friendly SAFE Team.
1 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. 2 Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more. Waived for members under age 21. 3 APY - Annual Percentage Yield as of date. Dividends paid monthly. Rates, terms and conditions subject to change at any time. 4 APY – Annual Percentage Yield as of date. Promotional APY is limited to one account per tax reporting owner and available to accounts opened by April 30, 2026. Deposit of value required at account opening and must be maintained for three months. Funds must be new to SAFE and cannot be transferred from another SAFE account. Existing members must open new account to qualify. Balances of value earn value% APY for first three months open. Balances over value earn a variable value APY. Once the balance falls below value, or the three-month period has ended, the dividend rate reverts to the variable standard savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. Promotion can be applied to: Share Savings, Kids Club Savings, Young Member Savings, or Business Share Savings accounts. 5 A Share Savings account, personal checking account, debit card, and eStatements are required to participate in the Perfect Cents Savings®. Debit card purchases will post to your checking account for the exact amount of purchase. SAFE will automatically round up debit card purchases to the next whole dollar and transfer the rounded amount in excess of the purchase amount to your Share Savings (or other designated savings) account each day. The total of all excess amounts will be posted daily as a single transfer from your checking to your savings identified on your eStatement as “Perfect Cents.” If a debit card purchase is canceled or refunded, the corresponding Perfect Cents transfer will remain in the Share Savings account. If funds are not available in your checking account, if any transaction has overdrawn your account, or if eStatement service is canceled, the daily transfer to savings will not be posted. The Account Maintenance Fee assessed against the Share Savings account is waived for active Perfect Cents Savings savers who have at least one Perfect Cents transfer during the month. Features are subject to change without notice. SAFE reserves the right to cancel the service at any time.
1 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. 2 Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more. Waived for members under age 21. 3 APY - Annual Percentage Yield as of date. Dividends paid monthly. Rates, terms and conditions subject to change at any time. 4 A Share Savings account, personal checking account, debit card, and eStatements are required to participate in the Perfect Cents Savings®. Debit card purchases will post to your checking account for the exact amount of purchase. SAFE will automatically round up debit card purchases to the next whole dollar and transfer the rounded amount in excess of the purchase amount to your Share Savings (or other designated savings) account each day. The total of all excess amounts will be posted daily as a single transfer from your checking to your savings identified on your eStatement as “Perfect Cents.” If a debit card purchase is canceled or refunded, the corresponding Perfect Cents transfer will remain in the Share Savings account. If funds are not available in your checking account, if any transaction has overdrawn your account, or if eStatement service is canceled, the daily transfer to savings will not be posted. The Account Maintenance Fee assessed against the Share Savings account is waived for active Perfect Cents Savings savers who have at least one Perfect Cents transfer during the month. Features are subject to change without notice. SAFE reserves the right to cancel the service at any time.
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