# SAFE Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/safe-credit-union
Institution: Safe Credit Union (NCUA 68366)
Aliases: 
Status: live
Last verified: 2026-10-22T16:36:24.000Z (October 22, 2026)
Official source: https://www.safecu.org/rates-disclosures/safe-savings-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 1.92% | Not ZIP-priced | −2.38% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 3 months | $25,000 | 1.92% | Not ZIP-priced | −2.38% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| 6 Month Certificate Special | promotional | 6 months | $500 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 6 months | $25,000 | 2.27% | Not ZIP-priced | −2.13% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 6 months | $500 | 1.92% | Not ZIP-priced | −2.48% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| 12 Month Certificate Special | promotional | 12 months | $500 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 12 months | $25,000 | 2.58% | Not ZIP-priced | −1.99% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Add On Certificate | standard | 12 months | $25 | 2.43% | Not ZIP-priced | −2.14% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Bump Up Certificate | standard | 12 months | $500 | 2.43% | Not ZIP-priced | −2.14% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Bump Up Certificate | standard | 12 months | $500 | 2.43% | Not ZIP-priced | −2.14% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 18 months | $25,000 | 2.58% | Not ZIP-priced | −2.14% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 18 months | $500 | 2.43% | Not ZIP-priced | −2.29% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 24 months | $25,000 | 2.94% | Not ZIP-priced | −1.93% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Bump Up Certificate | standard | 24 months | $500 | 2.68% | Not ZIP-priced | −2.19% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Bump Up Certificate | standard | 24 months | $500 | 2.68% | Not ZIP-priced | −2.19% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 36 months | $25,000 | 3.04% | Not ZIP-priced | −1.91% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 36 months | $500 | 2.94% | Not ZIP-priced | −2.01% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 48 months | $25,000 | 3.09% | Not ZIP-priced | −1.89% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 48 months | $500 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 60 months | $25,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |
| Certificate | standard | 60 months | $500 | 3.20% | Not ZIP-priced | −1.81% | 2026-10-22T16:36:24.000Z | [Snapshot 430](https://apyledger.com/snapshots/430) |

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.