Rates accurate as of July 1, 2015
and subject to change
SAFE Credit Union Savings Rate Sheet
SAFE Credit Union Savings Rate Sheet

Certificate Specials

Product Minimum Initial Deposit Term Dividend Rate APY Additional Information
36-Month Certificate Ladder $500 per certificate term 12 Months
24 Months
36 Months
1.00% 1.00% Dividends paid monthly. Not eligible for relationship rate premium. Certificates will roll over at non-promotional dividend rates in effect at time of maturity based on term and renewal balance. Certificate penalties for early withdrawal may apply. All certificates must be established with equal balances. Certificates may renew for the longest term automatically at maturity.
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 Bump-Up 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 0.45% 0.45%
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
0.40%
0.40%
0.45%
0.45%
36-47
0.80%
0.80%
0.85%
0.85%
48-59
0.90%
0.90%
1.00%
1.00%
60-72
1.20%
1.21%
1.30%
1.31%
Other IRA & CESA Options
Product Minimum Balance Dividend Rate APY Additional Information
Accumulation Savings under $2,000 .25% .25% Dividends paid monthly.
Variable rate changes monthly.
Initial deposit of $25 required.
Make additional deposits at any time.
$2,000 - $9,999.99 .25% .25%
$10,000 - $24,999.99 .25% .25%
$25,000 - $49,999.99 .25% .25%
$50,000 - $99,999.99 .25% .25%
$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 Savings
SAFE Savers Kids Club
Young Member
Special Share
$5 under $10,000 .10% .10% Dividends paid monthly.
Variable rate changes monthly.
See reverse for additional tiers.
$10,000 & over .10% .10%
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
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 & over .30% .30%
Capitol Access
Money Market
$25 under $50,000 .05% .05%
$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
SAFE Online
Checking
1,2,4
$25 first $1,0003 .50% .50% 1 Dividends paid monthly.
2 Available online. To receive dividends, account must meet two monthly requirements: active enrollment in eStatements and minimum
of 5 point-of-sale debit card 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 Variable rate changes monthly.
5
Not available for new accounts after 3/31/13.
6 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 point-of-sale debit card transactions must clear account.
7
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 .05% .05% -
.50%
SAFE Checking1,4,5 $25 None .05% .05%
SAFE Prestige
Checking
1,4
$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 Checking1,4,6 $25 first $25,0007 1.00% 1.00%
$25,000.01 & over .10% .10% - 1.00%
Business Value Checking $25 None None None
Business Checking1,4 $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. 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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