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SAFE Credit Union

SAFE Rates

Credit Card Rates & Disclosures

Rates effective as of October 18, 2019

Rates and terms are subject to change without notice. Log on to SAFE's website at www.safecu.org for current rates or to apply for a loan online.

Apply Now Apply Now: Business Credit Card
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
12.24% - 18.24%
14.24% - 20.24%
10.24% - 16.24%
12.24% - 18.24%
Cash Rewards Secured Card
20.24%
Platinum Rewards Secured Card
18.24%
Platinum Secured Card
16.24%
11.65% - 17.65%
APR is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate.
Introductory APR
1.90% introductory APR for 6 months1
After that, your standard variable APR between 11.65% and 17.65% will apply. This APR will vary with the market based on the U.S. Prime Rate.
Penalty APR and When it Applies
Platinum Rewards Visa ® Card, Cash Rewards Visa ® Card, Platinum Visa ® Card, Aerospace Museum of California Visa ® Card, Student Visa ® Card, Cash Rewards Secured, Platinum Rewards Secured, Platinum Secured, and Visa ® Business Credit Card
21.90% This APR may be applied to your account if you:
  1. Make a late payment
  2. Make a payment that is returned.
How long will the Penalty APR apply? If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers as of the transaction date.
Minimum Interest Charge
None
For Credit Card tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
Fees
Annual Fee
Platinum Rewards Visa ® Card, Cash Rewards Visa ® Card, Platinum Visa ® Card, Aerospace Museum of California Visa ® Card, Student Visa ® Card, and Visa ® Business Credit Card
None
Secured Credit Cards
$15
Transaction Fees
Platinum Rewards Visa ® Card, Aerospace Museum of California Visa ® Card, and Platinum Rewards Secured
Balance Transfer: None
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
Foreign Transaction: None
Cash Rewards Visa ® Card, Platinum Visa ® Card, Student Visa ® Card, Cash Rewards Secured, and Platinum Secured Credit Cards.
Balance Transfer: None
Cash Advance: Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).
Foreign Transaction: Up to 1% of each transaction in U.S. dollars.
Visa ® Business Credit Card
Balance Transfer: None
Cash Advance: None
Foreign Transaction: Up to 1% of each transaction in U.S. dollars.
Penalty Fees
Late Payment: $15 or the current minimum payment amount, whichever is less.
Returned Payment: Up to $10.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

1 Introductory APR is available to well-qualified applicants only.
2 Secured credit cards are secured by a pledge of specific funds held on deposit in a share account at SAFE Credit Union.

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