SAFE Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, SAFE Credit Union's highest tracked CD (share certificate) rate is 3.45% APY on a 6-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.92% to 3.25% APY.
Tracking began .
SAFE Credit Union CD & share certificate rates
Membership required. Certificate specials, standard certificates in $500 and $25,000 balance tiers, and 12-month Add On ($25) and Bump Up ($500) certificates. Specials roll over to a standard certificate at maturity. Early withdrawal penalties may apply.
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 3.45% APY (6 months). The standard rate for a similar term is 2.27% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $118 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 Credit Union's best CD rates by term?
SAFE Credit Union's best rate is 3.45% APY on 6 months, verified October 22, 2026.
- 3 mo1.92%
- 6 mo3.45%
- 12 mo3.04%
- 18 mo2.58%
- 24 mo2.94%
- 36 mo3.04%
- 48 mo3.09%
- 60 mo3.25%
How much interest could a SAFE 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.
$171.51 interest · $10,171.51 at maturity on $10,000.00.
3.45% APY · 6 months · 6 Month Certificate Special · Promotional · 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 | $23.761.92% APY · Certificate · Standard | $47.531.92% APY · Certificate · Standard | $118.821.92% APY · Certificate · Standard | $237.641.92% APY · Certificate · Standard |
| 6 months | $85.753.45% APY · 6 Month Certificate Special · Promotional | $171.513.45% APY · 6 Month Certificate Special · Promotional | $428.773.45% APY · 6 Month Certificate Special · Promotional | $857.553.45% APY · 6 Month Certificate Special · Promotional |
| 12 months | $152.003.04% APY · 12 Month Certificate Special · Promotional | $304.003.04% APY · 12 Month Certificate Special · Promotional | $760.003.04% APY · 12 Month Certificate Special · Promotional | $1,520.003.04% APY · 12 Month Certificate Special · Promotional |
| 18 months | $183.522.43% APY · Certificate · Standard | $367.052.43% APY · Certificate · Standard | $974.622.58% APY · Certificate · Standard | $1,949.242.58% APY · Certificate · Standard |
| 24 months | $271.592.68% APY · Bump Up Certificate · Standard | $543.182.68% APY · Bump Up Certificate · Standard | $1,491.612.94% APY · Certificate · Standard | $2,983.222.94% APY · Certificate · Standard |
| 36 months | $454.092.94% APY · Certificate · Standard | $908.182.94% APY · Certificate · Standard | $2,350.013.04% APY · Certificate · Standard | $4,700.033.04% APY · Certificate · Standard |
| 48 months | $636.293.04% APY · Certificate · Standard | $1,272.583.04% APY · Certificate · Standard | $3,236.193.09% APY · Certificate · Standard | $6,472.393.09% APY · Certificate · Standard |
| 60 months | $852.863.20% APY · Certificate · Standard | $1,705.733.20% APY · Certificate · Standard | $4,335.283.25% APY · Certificate · Standard | $8,670.573.25% APY · Certificate · Standard |
How SAFE 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 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 117 of 214 tracked institutions with fresh 183-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| SAFE Credit Union (this institution)6 Month Certificate Special · Promotional | 6 months | $500 | Coverage: CA | 3.45% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.20% | October 22, 2026 |
| Happen BankCD · Standard | 6 months | $500 | Coverage: CA, UT | 4.40% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 6 months | $10,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking SAFE Credit Union on October 22, 2026.
About SAFE Credit Union
- Legal name
- Safe Credit Union
- Regulator ID
- NCUA 68366
- Headquarters
- Folsom, CA
- Available in
- CA
- Total assets
- $4.4 billion
- Also known as
- Website
- www.safecu.org
Source: rates read from https://www.safecu.org/rates-disclosures/safe-savings-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at SAFE Credit Union?
Among the rates we track, 3.45% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a SAFE Credit Union CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $25,000.
How does SAFE Credit Union's best CD rate compare with Treasury yields?
3.45% APY is −0.95% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.45% a good CD rate?
It is 2.5 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 Credit Union CDs insured?
SAFE Credit Union is a federally insured credit union (NCUA 68366). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at SAFE 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 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 Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with SAFE Credit Union before opening an account. This page is not financial advice.