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SAFE will be closed for business Wednesday, June 19, 2024, to honor the Juneteenth holiday. SAFE will be open for limited business hours from 10 a.m. to 2 p.m. on Friday, June 21, 2024, for a company event. Access your accounts 24/7 through Online Banking and the SAFE Mobile App.

SAFE Credit Union

SAFE Rates

Credit Card Rates & Disclosures

Rates effective as of

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

Apply Now Apply Now: Business Credit Card
Interest Rates and Interest Charges
Introductory Annual Percentage Rate (APR) for new purchases
For Cash Back+ Visa Signature®, Cash Back Visa® and Essential Visa® Credit Cards only
0% Intro APR for the first 6 billing cycles the account is open, thereafter APR will match specific credit card below.
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
APR is based on your creditworthiness and will vary with the market based on the U.S. Prime Rate.
Penalty APR
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
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
Annual Fee
Cash Back+ Visa Signature® Credit Card, Cash Back Visa® Credit Card, Essential Visa® Credit Card, and Visa® Business Credit Card
Smart Visa® Credit Card
Transaction Fees
Cash Back+ Visa Signature® Credit Card, Cash Back Visa® Credit Card, Essential Visa® Credit Card, and Smart Visa® Credit Card
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)."

Loss of Introductory or Promotional APR: We may end your Introductory APR or Promotional APR if you make a late payment.


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