SAFE Credit Union Rates

Credit Card Rates & Disclosures

Rates effective as of June 1, 2018

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Apply Now : View complete rates & disclosures (Business Credit Cards)

	APR Purchases*	APR Balance Transfer*	APR Cash Advances*	Minimum Interest Charge	Annual Fee	Balance Transfer Fee	Foreign Transaction Fee
Platinum Rewards Visa^® Card	0.00% introductory APR for 12 months¹ After that, your APR will be 11.99% - 17.99%	0.00% introductory APR for 12 months¹ After that, your APR will be 11.99% - 17.99%	11.99% - 17.99%	None	None	None	None
Cash Rewards Visa^® Card	13.99% - 19.99%	13.99% - 19.99%	13.99% - 19.99%	None	None	None	Up to 1% of each transaction in U.S. dollars.
Platinum Visa^® Card	9.99% - 15.99%	9.99% - 15.99%	9.99% - 15.99%	None	None	None	Up to 1% of each transaction in U.S. dollars.
Aerospace Museum of California Visa^® Card	11.99% - 17.99%	11.99% - 17.99%	11.99% - 17.99%	None	None	None	None
Student Visa^® Card	20.40%	20.40%	20.40%	None	None	None	Up to 1% of each transaction in U.S. dollars.
Share Secured Visa^® Card²	15.99%	15.99%	15.99%	None	$15	None
Visa^® Business Credit Card	1.90% introductory APR for 6 months¹ After that, your APR will be 11.40% - 17.40%	11.40% - 17.40%	11.40% - 17.40%	None	None	None

Penalty APR and When it Applies 21.90% This APR may be applied to your account if you Make a late payment 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. 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 . Returned Payment Up to $10. Cash Advance (does not apply to Visa Business Credit Cards) 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). How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
* When you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate. 1 Introductory APR is available to well-qualified applicants only. 2 Share Secured credit cards are secured by a pledge of specific funds held on deposit in a share account at SAFE Credit Union.

Equity Loan Rates & Disclosures

Rates effective as of March 28, 2018

Rates and terms are subject to change without notice. The rates below are for informational purposes only. Not all borrowers will qualify for all rates. All loans subject to membership eligibility and credit approval. We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act. Call SAFE for pre-qualification or for more information toll free at 1-800-SEE-SAFE.

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Variable Rate Home Equity Line of Credit (HELOC)

	Maximum Combined LTV	Maximum Loan Amount	APR Range	Maximum APR	Margin Range	Monthly Payment	Fees
Primary Residence 1st or 2nd Mortgage	80%¹	$10k - $500k¹	5.34% - 8.84%²	15.00%	.59% to 4.09%	Minimum of $75³	-0- ^4,5,6
Primary Residence 1st or 2nd Mortgage	85%	$10k - $100k	6.09% - 7.59%²	15.00%	1.34%	Minimum of $75³	-0- ^4,5,6
Second Home 1st or 2nd Mortgage	75%	$10k - $500k	5.84% - 9.34%²	15.00%	1.09% to 4.59%	Minimum of $75³	-0- ^4,5,6
Investment Property 1st or 2nd Mortgage	70%	$10k - $100k	6.74% - 8.74%²	18.00%	1.99% to 3.99%	Minimum of $75³	$575 + Closing Fees^4,7
Mortgage/HELOC Purchase Combo 1st or 2nd Mortgage	90%	$100k	6.24% - 7.74%²	15.00%	1.24% to 1.59%	Minimum of $75³	-0-^4,6
Mortgage/HELOC Purchase Combo 1st or 2nd Mortgage	85%	$100k	5.99% - 7.49%²	15.00%	1.24% to 1.59%	Minimum of $75³	-0-^4,6
1 For loan amount greater than $150k, maximum combined LTV cannot exceed 75%. 2 APR is based on Prime Rate as published in the Wall Street Journal, Western Edition plus a margin. 3 Fully amortized principal and interest payment recalculated monthly. 4 No annual fee. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature. 5 Cash Out and Refinance: If loan closed within 3 years, waived closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing. 6 Purchase: Borrower paid closing costs range from $500 to $1600. 7 Closing costs range from $500 to $1600 due at closing. May not be required with a single family residence or condominium based on loan amount.

Fixed Rate Equity Loan

Property Type - Single Family Residence, Condo, Planned Unit Development

Owner Occupied	Maximum Loan Amount⁵	Maximum Combined LTV	1st Lien APR³	2nd Lien APR³	Estimated Payment per $1000	Fees
10, 15 Years ^1,2	$300,000 to 75%, $150,000 to 80%	80%	4.89%	5.74% - 6.64%	$7.75 - $8.74	-0- ^1,2
20 Years ^1,2	$300,000 to 75%, $150,000 to 80%	80%	4.89%	6.14% - 6.79%	$6.43 - $7.57	-0- ^1,2
Mortgage/Fixed Equity Purchase Combo 2nd Mortgage	Maximum Loan Amount⁵	Maximum Combined LTV	1st Lien APR³	2nd Lien APR³	Estimated Payment per $1000	Fees
Maximum 80% 1st Mortgage, up to 90% CLTV 2nd Mortgage	$50k	90%	N/A	6.79%	$8.82	-0- ^1,2
Investment Property	Maximum Loan Amount⁵	Maximum Combined LTV	1st Lien APR³	2nd Lien APR³	Estimated Payment per $1000	Fees
15 Years ⁴	$10k - $300k	70%	9.29% - 9.79%	9.29% - 9.79%	$10.32 - $10.62	$575 + Closing Fees⁴
1 Cash out Refinance: If loan closed within 3 years, closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing. 2 Purchase: Borrower paid closing costs range from $500-$1600. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature. 3 Minimum 630 credit score applies. 4 Closing costs range from $500 to $1600 due at closing. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature. 5 Minimum $10,000 loan amount

Land and Lot Loan

Property Type - Residential Use 1 - 10 Acres, Purchase Only

Product	Maximum Combined LTV*	Maximum Term	APR Ranges¹	Points	Fees	Additional Requirements
Fixed Rate Loan	70%	15 Yrs	5.75% - 7.15%	-0-	$900 + Closing Fees	$50,000 minimum loan amount. Paved road & utilities must be available to the property. Must be a member in good standing for minimum 6 months.
1 Payment at 7.15% APR for 180 months is $9.08 per $1,000 borrowed. * 70% LTV available for loans between 0 - 5 acres. Reduce maximum LTV by 5% for loans between 5 - 10 acres.

Vehicle and Personal Loan Rates & Disclosures

Rates effective as of May 21, 2018

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	Term	APR¹
		New	Used
Car/Truck/Van - One ton or less	Up to 84 Months	3.65%² - 10.99%	3.65%² - 10.99%
Business Vehicle	Up to 84 Months	4.45% - 5.29%	4.45% - 5.39%
Commercial Vehicle	Up to 60 Months	5.45% - 6.29%	5.45% - 6.39%
Motorcycle	Up to 66 Months	6.25% - 6.75%	7.99% - 8.50%
RV & Boat (Motor Home, Trailer, Boat, Jet Ski titled by DMV)	Up to 84 Months	6.25% - 6.75%	7.99% - 8.50%
	85 to 120 Months	6.50% - 7.00%	8.24% - 8.75%

	Amount	Term³	APR¹
Personal Use	Up to $10,000	Up to 36 Months	9.99% - 14.99%
Green Energy⁴	Up to $25,000	Up to 180 Months	6.99% - 11.99%
Share Secured	100% Financing	Up to 60 Months	6.25%

Rates and terms are subject to change without notice. Rates determined by amount financed, loan term and credit history.

New is current and previous model year (2017 & 2018).

1 Rates for Vehicle Loans and Personal loans reflect a relationship discount of .25%. To qualify for the Relationship Discount Rate, you must be an existing member for at least 30 days at time of application. For Regular Rate, add .25% to Relationship Discount Rate.
2 3.65% APR available on terms up to 48 months. Payment on a $25,000 loan at 3.99% APR for 84 months is $341.61. Minimum $20,000 loan amount for terms over 75 months.
3 Payment on a loan at 9.99% APR for 36 months is $32.27 per $1,000 borrowed.
4 Owner-occupied improvements only.

Purchase
Refinance

Purchase Rate Sheet & Disclosures

We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Rates displayed are for a 45-day rate lock period. Additional rate lock periods are available. Payments shown do not include taxes or insurance. Actual payments may be greater.

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Fixed-Rate Mortgage¹	Rate	Points %	APR³	Payment⁴
Adjustable Rate Mortgage (ARM)¹	Rate	Points %	APR³	Payment⁴
Jumbo Fixed Mortgage²	Rate	Points %	APR³	Payment⁵
Jumbo ARM Mortgage²	Rate	Points %	APR³	Payment⁵
No Mortgage Insurance Above 80% LTV	Rate	Points %	APR³	Payment⁵
1 Maximum loan amount of $453,100. Mortgage insurance is not required when LTV is 80% or less. 2 Maximum loan amount of $2,000,000. Mortgage insurance is not required when LTV is 80% or less. 3 APR = Annual Percentage Rate. 4 Payment based on $100,000 loan amount. 5 Payment based on $500,000 loan amount. 6 LTV up to 75%. 7 LTV up to 80%. 8 LTV up to 90%. 9 LTV up to 97%. 10 SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. 11 Additional terms are available. 12 LTV up to 85%. 13 5/1, 7/1 and 10/1 ARM rates are variable, may increase or decrease during the life of the loan, and indexed to the One Year LIBOR rate with a margin of 2.25%. ARM loans are amortized over a 30-year term. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 10/1 ARMS are fixed for the first 10 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 14 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the Five-Year Treasury Constant maturity rate with a margin of 2.25%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every five years thereafter, and has the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 6% lifetime interest rate increase cap. Rates shown are for informational purposes only and are based on a single-family detached, owner-occupied property located in California with a qualified borrower. Not all borrowers will qualify. Certain rate and/or point adjustments may apply depending on loan features and borrower's credit. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Refinance Rate Sheet & Disclosures

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Fixed-Rate Mortgage¹	Rate	Points %	APR³	Payment⁴
Adjustable Rate Mortgage (ARM)¹	Rate	Points %	APR³	Payment⁴
Jumbo Fixed Mortgage²	Rate	Points %	APR³	Payment⁵
Jumbo ARM Mortgage²	Rate	Points %	APR³	Payment⁵
No Mortgage Insurance Above 80% LTV	Rate	Points %	APR³	Payment⁵
1 Maximum loan amount of $453,100. Mortgage insurance is not required when LTV is 80% or less. 2 Maximum loan amount of $2,000,000. Mortgage insurance is not required when LTV is 80% or less. 3 APR = Annual Percentage Rate. 4 Payment based on $100,000 loan amount. 5 Payment based on $500,000 loan amount. 6 LTV up to 75%. 7 LTV up to 80%. 8 LTV up to 90%. 9 LTV up to 97%. 10 SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. 11 Additional terms are available. 12 LTV up to 85%. 13 5/1, 7/1 and 10/1 ARM rates are variable, may increase or decrease during the life of the loan, and indexed to the One Year LIBOR rate with a margin of 2.25%. ARM loans are amortized over a 30-year term. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 10/1 ARMS are fixed for the first 10 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. 14 5/5 ARM rate is variable, may increase or decrease during the life of the loan, and is indexed to the Five-Year Treasury Constant maturity rate with a margin of 2.25%. The 5/5 ARM loan is amortized over a 30-year term. The rate is fixed for the first 5 years, subject to change every five years thereafter, and has the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate increase cap. Rates shown are for informational purposes only and are based on a single-family detached, owner-occupied property located in California with a qualified borrower. Not all borrowers will qualify. Certain rate and/or point adjustments may apply depending on loan features and borrower's credit. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Savings Rate Sheet

Rates accurate as of
and subject to change

View complete savings rate sheet

Certificate Specials

	Minimum Initial Deposit	Term	Dividend Rate	APY

Other Certificates

	Minimum Initial Deposit	Term	Dividend Rate	APY

Certificates

Term	$500-$24,999.99		$25,000+
In Months	Dividend Rate	APY	Dividend Rate	APY

Other IRA & CESA Options

	Minimum Initial Deposit	Minimum Balance	Dividend Rate	APY

Savings

	Minimum Initial Deposit	Minimum Balance	Dividend Rate	APY

Money Market Accounts

	Minimum Initial Deposit	Minimum Balance	Dividend Rate	APY

Checking

	Minimum Initial Deposit	Minimum Balance	Dividend Rate	APY
APY = Annual Percentage Yield. Dividend rates are prospective and subject to change. Variable rates may change after account opening without notice. Fees may reduce earnings on accounts. 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.
Federally insured by NCUA. 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.mycreditunion.gov . * Indicates rate change from last publication.