# SAFE 1 Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/safe-1-credit-union
Institution: Safe 1 Credit Union (NCUA 61598)
Aliases: 
Status: live
Last verified: 2026-10-23T02:27:55.000Z (October 22, 2026)
Official source: https://www.safe1.org/savings-checking/certificates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Relationship Rewards Certificate | relationship | 3 months | $1,000 | 1.50% | Not ZIP-priced | −2.79% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Certificate | standard | 3 months | $1,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Relationship Rewards Certificate | relationship | 6 months | $1,000 | 1.75% | Not ZIP-priced | −2.65% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Certificate | standard | 6 months | $1,000 | 1.25% | Not ZIP-priced | −3.15% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Relationship Rewards 7-Month Special Certificate | relationship | 7 months | $1,000 | 4.25% | Not ZIP-priced | −0.18% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| 7-Month Special Certificate | promotional | 7 months | $1,000 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Relationship Rewards Certificate | relationship | 12 months | $1,000 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Certificate | standard | 12 months | $1,000 | 1.75% | Not ZIP-priced | −2.82% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| Relationship Rewards 15-Month Special Certificate | relationship | 15 months | $1,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |
| 15-Month Special Certificate | promotional | 15 months | $1,000 | 3.50% | Not ZIP-priced | −1.15% | 2026-10-23T02:27:55.000Z | [Snapshot 898](https://apyledger.com/snapshots/898) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.