SAFE 1 Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, SAFE 1 Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 7-month relationship CD ($1,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.00% to 1.75% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 7 months
SAFE 1 Credit Union CD & share certificate rates
Membership required. Fixed-rate certificates, including 7- and 15-month specials, with a $1,000 minimum, quoted at standard and Relationship Rewards APYs; term ranges are shown at their lower bound. Variable-rate and Bump-Up certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Relationship Rewards Certificate Relationship | $1,000 | 1.50% | −2.79% | Top 72% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Certificate | $1,000 | 1.00% | −3.29% | Top 80% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Relationship Rewards Certificate Relationship | $1,000 | 1.75% | −2.65% | Top 82% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $1,000 | 1.25% | −3.15% | Top 87% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Relationship Rewards 7-Month Special Certificate Relationship | $1,000 | 4.25% | −0.18% | Verified October 22, 2026 |
| 7 months | 7-Month Special Certificate Promotional | $1,000 | 3.75% | −0.68% | Verified October 22, 2026 |
| 12 months | Relationship Rewards Certificate Relationship | $1,000 | 2.25% | −2.32% | Top 80% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $1,000 | 1.75% | −2.82% | Top 85% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | Relationship Rewards 15-Month Special Certificate Relationship | $1,000 | 4.00% | −0.65% | Verified October 22, 2026 |
| 15 months | 15-Month Special Certificate Promotional | $1,000 | 3.50% | −1.15% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.75% APY (7 months). The standard rate for a similar term is 1.25% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $250 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are SAFE 1 Credit Union's best CD rates by term?
SAFE 1 Credit Union's best rate is 4.25% APY on 7 months, verified October 22, 2026.
- 3 mo1.50%
- 6 mo1.75%
- 7 mo4.25%
- 12 mo2.25%
- 15 mo4.00%
How much interest could a SAFE 1 Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$245.86 interest · $10,245.86 at maturity on $10,000.00.
4.25% APY · 7 months · Relationship Rewards 7-Month Special Certificate · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $18.591.50% APY · Relationship Rewards Certificate · Relationship | $37.191.50% APY · Relationship Rewards Certificate · Relationship | $92.971.50% APY · Relationship Rewards Certificate · Relationship | $185.941.50% APY · Relationship Rewards Certificate · Relationship |
| 6 months | $43.681.75% APY · Relationship Rewards Certificate · Relationship | $87.361.75% APY · Relationship Rewards Certificate · Relationship | $218.401.75% APY · Relationship Rewards Certificate · Relationship | $436.801.75% APY · Relationship Rewards Certificate · Relationship |
| 7 months | $122.934.25% APY · Relationship Rewards 7-Month Special Certificate · Relationship | $245.864.25% APY · Relationship Rewards 7-Month Special Certificate · Relationship | $614.654.25% APY · Relationship Rewards 7-Month Special Certificate · Relationship | $1,229.314.25% APY · Relationship Rewards 7-Month Special Certificate · Relationship |
| 12 months | $112.502.25% APY · Relationship Rewards Certificate · Relationship | $225.002.25% APY · Relationship Rewards Certificate · Relationship | $562.502.25% APY · Relationship Rewards Certificate · Relationship | $1,125.002.25% APY · Relationship Rewards Certificate · Relationship |
| 15 months | $251.104.00% APY · Relationship Rewards 15-Month Special Certificate · Relationship | $502.194.00% APY · Relationship Rewards 15-Month Special Certificate · Relationship | $1,255.484.00% APY · Relationship Rewards 15-Month Special Certificate · Relationship | $2,510.974.00% APY · Relationship Rewards 15-Month Special Certificate · Relationship |
How SAFE 1 Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 9 of 79 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| SAFE 1 Credit Union (this institution)Relationship Rewards 7-Month Special Certificate · Relationship | 7 months | $1,000 | Membership required · branches in CA, TX | 4.25% | October 22, 2026 |
| Patelco Credit UnionCertificate · Promotional | 7 months | $250 | Membership required · branches in CA | 4.25% | October 22, 2026 |
| Travis Credit UnionCertificate Special · Promotional | 7 months | $500 | Membership required · branches in CA | 4.15% | October 22, 2026 |
| Wells Fargo7 month Special Fixed Rate CD - Relationship · Relationship | 7 months | $5,000 | Dallas, TX · ZIP 75201 | 4.10% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Branches in MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking SAFE 1 Credit Union on October 22, 2026.
About SAFE 1 Credit Union
- Legal name
- Safe 1 Credit Union
- Regulator ID
- NCUA 61598
- Headquarters
- Bakersfield, CA
- Available in
- CA, TX
- Total assets
- $1.2 billion
- Also known as
- Website
- www.safe1.org
Source: rates read from https://www.safe1.org/savings-checking/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at SAFE 1 Credit Union?
Among the rates we track, 4.25% APY on a 7-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a SAFE 1 Credit Union CD?
The lowest minimum we found is $1,000.
How does SAFE 1 Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.18% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are SAFE 1 Credit Union CDs insured?
SAFE 1 Credit Union is a federally insured credit union (NCUA 61598). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at SAFE 1 Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check SAFE 1 Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from SAFE 1 Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with SAFE 1 Credit Union before opening an account. This page is not financial advice.