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Personal Grow Your Money

SAFE Savings Accounts

Set aside more savings every day

No matter if you’re saving for a house, dream vacation, or just a rainy day, SAFE has a savings option that will help you reach your financial goals.

Already a member?

Fast track your new account! Log into Online Banking and select "Open an Account".



A Savings Account1 offers competitive dividend rates that are paid monthly, as well as the freedom to access funds whenever needed. You may also use your savings account for overdraft protection. Plus, if you open additional savings accounts, you can use the “You Name It” feature to personalize your account based on your savings plan.

1 Minimum opening deposit of $5. Monthly account maintenance fee of $5 is waived for members and business members who meet one of the following criteria: combined average daily balance of $300 or more, active loan, new account (open less than 6 months, less than 12 months for Bank on Sacramento accounts), direct deposits totaling $25 or more per month, 10 or more point-of-sale (POS) transactions per month, non-dividend savings account, under 21 years of age, or Perfect Cents Savings active saver.

Money Market accounts

A SAFE Money Market account maximizes earnings while allowing easy access to funds. With higher dividends and flexibility, meeting your savings goals has never been easier.

All SAFE Money Market accounts also feature:

  • Competitive rates
  • Dividends paid monthly
  • No fees on average daily balances of $2,000 or more1
  • Free Online Banking and SAFE Mobile App2
  • Overdraft protection for your SAFE checking account
  • Check-writing ability (six checks may clear per month)
  • Insured by NCUA

Capitol Access Money Market

Our Capitol Access Money Market lets you earn with competitive rates. Low minimum opening deposits make this a convenient account for your everyday saving goals.

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Preferred Money Market

The Preferred Money Market optimizes your earnings with a 3.30% APY3 on your first $2,000.

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To make it easy for you to determine how much dividends you may earn in one year, we've provided this convenient calculator.


This calculator is for illustrative purposes only and does not reflect actual dividend earnings. APY is subject to change.

For example, you maintain a balance of $25,000. The first $2,000 earns the dividend rate of 3.25%, and the balance of $23,000 earns the dividend rate of 0.50%. The Preferred Money Market APY for this example is 0.72%.

Preferred Money Market Rates
Minimum Balance Dividend Rate APY Ranges3

1 $12 monthly fee waived with average daily balance of $2,000 or more, or for Capitol Club. 2 Standard carrier rates and fees apply. 3 Minimum opening deposit of $25. Dividends paid on the portion of the balance that falls within each specified tier. Annual Percentage Yield (APY) accurate as of 10/1/18 and subject to change without notice. Variable rate may change after account opening. Fees may reduce earnings. Limit one Preferred Money Market Account per member.


Certificates are a great way to lock in higher rates for a specific term and there are various options to suit your financial needs.

Term Certificates

  • Earn higher dividends on your balances, with terms ranging between 3 and 72 months
  • Open with a low minimum deposit of $500
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Add-On Certificates

  • Boost your savings by adding additional money throughout the 12-month term of the certificate
  • Start with a minimum deposit of $25
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Bump-Up Certificates

  • Take advantage of a rate increase if one becomes available during your certificate term. Terms of 12 or 24 months.
  • Open with a low minimum deposit of $500
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SAFE Certificates are also available for Individual Retirement Accounts and Small Business! Learn more about Small Business Accounts at SAFE.

Perfect Cents Savings®

Make saving easy and automatic every time you shop with your SAFE Visa® Debit Card.

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Frequently Asked Questions

What is SAFE’s Routing Number?

SAFE Credit Union's nine digit routing and transit number is 321173742. This number is found on the bottom left hand side of your SAFE checks.

What is the fee for a wire transfer?

For outgoing domestic wire transfers the fee is $25.00. For outgoing international wire transfers the fee is a minimum of $60.00. For incoming domestic wires there is no fee. For incoming international wires the fee is a minimum of $10.00. Bank wires must be performed at a SAFE branch.

Please provide the following information for incoming wires:

  1. SAFE's Address:
    SAFE Credit Union
    2295 Iron Point Road, Suite 100
    Folsom, CA 95630-8765
  2. SAFE's Routing number: 321173742
  3. SAFE's Telegraphic Abbreviation: SAFE FCU NO HIGH
  4. Your account number and designated suffix for the funds to be deposited into.

What is my Call-24 PIN?

To obtain a CALL-24 Pin number, please contact SAFE’s Call Center at (800) 733-7233 or visit your local SAFE branch.

How can I change my address?

To update your address, please login to Online Banking, visit your local SAFE branch, or send your request in writing to:

SAFE Credit Union
2295 Iron Point Road, Suite 100
Folsom, CA 95630-8765

To change your address online:

  • Log in to Online banking
  • Click on the "Additional Services tab
  • Click on "Update Address/Phone Numbers/Email Preferences"
  • Edit your address information and click the "Update" button

How many withdrawals or transfers can I make from my savings account each month?

You are limited to 6 transfers or withdrawals per month by means of telephone, Call-24 or our online banking service as per Federal Regulation D. There is no limit on the amount of withdrawals or transfers processed at a SAFE branch or ATM.

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