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Early paydays & monthly dividends.
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Log in to open a new SAFE account in minutes.
Welcome! Open your new SAFE account in minutes.
Earn higher dividends on your first with everyday banking.
Get paid up to 2 days early2 when you sign up for direct deposit.
Surcharge-free Co-op ATMs so your money is always close at hand.
Easily move money between your SAFE accounts or external account, schedule bill payments, and send money to friends and family.
Add your SAFE Visa® debit and credit cards to your digital wallet, turn them on or off, and set alerts to track your spending.
Skip the line at the branch or ATM. Securely deposit your checks in a snap from your phone into your desired SAFE account.
Earn instant cash back with SAFE Shopping+, securely apply for an account or auto loan, and view your account statements.
Easily move money between your SAFE accounts, schedule bill payments or send money to friends and family.
Access comprehensive 24/7 features for your SAFE Visa® debit and credit cards. Add your card to your digital wallet, turn them on or off or set alerts to keep track of your spending.
Earn instant cash back with SAFE Shopping+, securely apply for an account or auto loan or view your account statements.
Add your debit card to your digital wallet directly from our app.
Pay friends and family in a snap with SAFE Pay.
Choose a fee-free overdraft transfer option in case you overdraw from checking.
Our tap to pay debit card makes payments easy and secure.
Waive monthly service fee with eStatements & $500 in direct deposit or 10 debit (and/or credit) card purchases.
Ages 6–15 need a parent or guardian to open the account with them. Teens 16–17 can apply solo with a government-issued ID.
Perfect Cents Savings rounds up each SAFE Visa® debit card purchase to the next whole dollar amount. At the end of each day, the "change" from all your purchases is directly transferred from your SAFE checking account to the SAFE savings account of your choice.4
If you choose to open a savings account in addition to a checking account, make sure to enroll in the Perfect Cents Savings option.
Purchase digital gift cards in the SAFE Shopping+ tab in the SAFE Mobile App or Online Banking, then use them in store or online—get instant cash back on every gift card you buy.
Browse and buy gift cards from your favorite brands.
Get instant cash back. Redeem when and how you want.
The more cards you buy, the more cash that adds up.
Use your purchased gift cards when shopping in store or online.
It’s easy! When you deposit your money into a Perfect Cents Checking account, you earn a little extra month to month just for putting your money there. This extra amount is called a "dividend." It's a way for your money to automatically grow while it's in the account. You’ll earn % APY on the first in your checking, and APY on anything and up. 1
To earn dividends:You must be enrolled in eStatements AND you must have a minimum of 10 debit (and/or credit) card purchase transactions post each month.
The annual percentage yield (APY) refers to the amount of money you earn on an account over one year through dividends. The APY takes into account compound dividend earnings. For the Perfect Cents Checking, you’ll earn % APY for the first .1
To avoid the $5 monthly service fee, you must be enrolled in eStatements and you must have a minimum of 10 or more debit (and/or credit) card purchase transactions post each month or direct deposits totaling $500 or more per month.3
Many young members open a Perfect Cents Checking accounts before they are 21 and we waive the monthly service fee for them. When members turn 21, the fee waiver no longer applies and they must meet the requirements listed above to avoid the $5 monthly service fee.
1 Annual Percentage Yield (APY) accurate as of and subject to change monthly. APY of % paid only on the portion of your daily balance that is less than or equal to . APY of paid on balances of or more. Two monthly requirements must be met to receive dividends on Perfect Cents Checking: 1) Active enrollment in eStatements; 2) Minimum of 10 debit and/or credit card purchase transactions post and settle each month. For credit card transactions to count towards the requirement, the credit card must be established under the tax reporting owner of the Perfect Cents Checking account. Fees may reduce earnings on accounts. 2 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. 3 $5 monthly service fee is waived with eStatements and either 10 or more debit and/or credit card purchase transactions clearing same membership account per month, or direct deposits totaling $500 or more per month. Also waived for Capitol Club and members less than 21 years of age. 4 A personal savings account, personal checking account, SAFE Visa Debit Card and eStatements are required to participate in 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 the total of all excess amounts will be posted daily as a single transfer from your checking to your linked savings account. These transfers will be 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 designated savings account. The daily transfer will not post if funds are not available in your checking account, your account is overdrawn, the transfer amount brings your checking account to a zero balance, or eStatement service is canceled. Features are subject to change without notice. SAFE reserves the right to cancel the service at any time.
The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
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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