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Rates accurate as of February 1, 2016
and subject to change
Certificate Specials
Product Minimum Initial Deposit Term Dividend Rate APY Additional Information
24-Month Bump-Up Certificate1,2 $500 24 Months 1.30% 1.31% 1 Dividends paid monthly. Not eligible for relationship rate premium.
Certificates will roll over at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Certificate penalties for early withdrawal may apply.
2 If a higher non-promotional Bump-Up Advantage rate becomes available, you may request to change the rate once during term.
60-Month Certificate1 $500 60 Months 1.60% 1.61%
Other Certificates
Product Minimum Initial Deposit Term Dividend Rate APY Additional Information
Add-On1,2 $25 12 Months 0.30% 0.30% 1 Dividends paid monthly. Certificate penalties for early withdrawal may apply.
2 Variable rate changes monthly. Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply.
3 If a higher non-promotional Bump-Up Advantage rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity.
Bump-Up
Advantage
1,3
$500 12 Months 0.35% 0.35%
$500 24 Months 0.50% 0.50%
Certificates
Term $500 - $24,999.99 $25,000+ Additional Information
In Months Dividend Rate APY Dividend Rate APY Certificates require initial deposit of $500. Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Certificates opened online receive $25,000 rate for applicable term.
3-5 0.20% 0.20% 0.20% 0.20%
6-11 0.25% 0.25% 0.25% 0.25%
12-23 0.30% 0.30% 0.35% 0.35%
24-35 0.45% 0.45% 0.50% 0.50%
36-47 0.85% 0.85% 0.90% 0.90%
48-59 1.00% 1.00% 1.10% 1.11%
60-72 1.30% 1.31% 1.40% 1.41%
Other IRA & CESA Options
Product Minimum
Initial Deposit
Minimum Balance Dividend Rate APY Additional Information
Accumulation IRA Savings $25 under $100,000 .25% .25% Dividends paid monthly. Variable rate changes monthly. Deposits accepted at any time. Additional tiers on reverse.
$100,000 - $199,999.99 .30% .30%
$200,000 & over .35% .35%
Savings
Product Minimum Initial Deposit Minimum Balance Dividend Rate APY Additional Information
Share Savings1,2
SAFE Savers Kids Club1,2
Young Member Account1,2
Special Share1,2
$5 None .10% .10% 1 Dividends paid monthly. Variable rate changes monthly.
2 Additional tiers on reverse.
3 Two monthly requirements must be met to receive premium dividends: active enrollment in eStatements and minimum of 10 debit card purchase transactions must clear Perfect Cents Checking account.
4 Dividend rate is paid only on the portion of your daily balance that is less than or equal to $1,000.
Share Savings1,2,3
Young Member Account 1,2,3
Premium dividends when linked to Perfect Cents CheckingSM
$5 first $1,0004 1.00% 1.00%
over $1,000 .10% .10%-1.00%
Holiday Club $20 $20 .10% .10% Dividends paid annually.
Rate may change annually.
Term: October 1 - September 30
Penalties for early withdrawal may apply.
Business Savings $5 None .10% .10% Dividends paid monthly.
Variable rate changes monthly.
Money Market Accounts
Product Minimum
Initial Deposit
Minimum Balance Dividend
Rate
APY Additional Information
Capitol Access
Money Market
$25 under $2,000 .05% .05% Dividends paid monthly.
Variable rate changes monthly.
$2,000 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .15% .15%
$25,000 - $49,999.99 .20% .20%
$50,000 - $99,999.99 .25% .25%
$100,000 - $199,999.99 .30% .30%
$200,000 - $499,999.99 .35% .35%
$500,000 & over .40% .40%
Business
Money Market
$25 under $2,000 .05% .05%
$2,000 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .15% .15%
$25,000 - $49,999.99 .20% .20%
$50,000 - $99,999.99 .25% .25%
$100,000 - $199,999.99 .30% .30%
$200,000 - $499,999.99 .35% .35%
$500,000 & over .40% .40%
Checking
Product Minimum
Initial Deposit
Minimum Balance Dividend Rate APY Additional Information
Perfect Cents CheckingSM 1,2 $25 first $1,0003 1.00% 1.00% 1 Dividends paid monthly. Variable rate changes monthly.
2 To receive dividends, account must meet two monthly requirements: active enrollment in eStatements and minimum
of 10 debit card purchase transactions must clear account.
3 Dividend rate is paid only on the portion of your daily balance that is less than or equal to $1,000.
4 Available to SMUD employees. To receive dividends, account must meet three monthly account requirements: active enrollment in eStatements, direct deposit of $500 or more, and minimum of 12 debit card purchase transactions must clear account.
5 Dividend rate is paid only on the portion of your daily balance that is less than or equal to $25,000.
$1,000.01 & over .01% .01% -
1.00%
SAFE Prestige
Checking
1
$25 under $2,000 .05% .05%
$2,000 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .15% .15%
$25,000 - $49,999.99 .20% .20%
$50,000 & over .25% .25%
SAFE Freedom Checking $25 None None None
SAFE Partnership Checking1,4 $25 first $25,0005 1.00% 1.00%
$25,000.01 & over .10% .10% - 1.00%
Business Value Checking $25 None None None
Business Checking1 $25 under $2,000 .05% .05%
$2,000 - $9,999.99 .10% .10%
$10,000 - $24,999.99 .15% .15%
$25,000 - $49,999.99 .20% .20%
$50,000 - $99,999.99 .25% .25%
$100,000 & over .30% .30%
APY = Annual Percentage Yield. Dividend rates are prospective and subject to change. Fees may reduce earnings on accounts. APYs offered within two or more consecutive tiers may be the same and display as a single tier. The additional balance tiers for the Savings accounts are as follows: under $2,000; $2,000 - $9,999.99; $10,000 - $24,999.99; $25,000 - $49,999.99; $50,000 - $99,999.99; $100,000 & over. The additional tier for the Accumulation IRA Savings are as follows: under $2,000; $2,000 - $9,999.99; $10,000 - $24,999.99; $25,000 - $49,999.99; $50,000 - $99,999.99; $100,000 - $199,999.99; $200,000 & over. Non-Dividend Earning Savings Accounts and Business Non-Dividend Savings Accounts are available upon request, and requires a $5 minimum initial deposit. For current dividend rates, tiers, and product offerings, call (916) 979-7233 or (800) SEE-SAFE, or visit SAFE's website: www.safecu.org.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Your IRA funds are insured separately up to $250,000 by the NCUA.
To learn more about share insurance protection, refer to NCUA's "Your Insured Funds" brochure available at any SAFE branch or visit www.ncua.gov.
* Indicates rate change from last publication.
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