SAFE Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, SAFE Federal Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 9-month promotional CD ($1,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.75% to 3.65% APY.
Tracking began .
SAFE Federal Credit Union CD & share certificate rates
Membership required. Regular share investment certificates require $1,000; separate higher-balance tiers and restricted youth and age-50-plus certificates have their own minimums. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (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 4.25% APY (9 months). The standard rate for a similar term is 3.65% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $60 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 Federal Credit Union's best CD rates by term?
SAFE Federal Credit Union's best rate is 4.25% APY on 9 months, verified October 23, 2026.
- 3 mo0.90%
- 6 mo3.60%
- 9 mo4.25%
- 12 mo3.65%
- 18 mo3.25%
- 24 mo3.10%
- 36 mo1.25%
- 48 mo1.15%
- 60 mo1.10%
How much interest could a SAFE Federal 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.
$317.38 interest · $10,317.38 at maturity on $10,000.00.
4.25% APY · 9 months · 9-Month Special Rate Certificate · Promotional · verified October 23, 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 | $9.320.75% APY · Share Investment Certificate · Standard | $18.650.75% APY · Share Investment Certificate · Standard | $46.620.75% APY · Share Investment Certificate · Standard | $99.430.80% APY · Share Investment Certificate · Standard |
| 6 months | $85.753.45% APY · Share Investment Certificate · Standard | $171.513.45% APY · Share Investment Certificate · Standard | $428.773.45% APY · Share Investment Certificate · Standard | $869.873.50% APY · Share Investment Certificate · Standard |
| 9 months | $158.694.25% APY · 9-Month Special Rate Certificate · Promotional | $317.384.25% APY · 9-Month Special Rate Certificate · Promotional | $793.454.25% APY · 9-Month Special Rate Certificate · Promotional | $1,586.904.25% APY · 9-Month Special Rate Certificate · Promotional |
| 12 months | $177.503.55% APY · Millionaires of Tomorrow (Ages 0-12) · Special | $355.003.55% APY · Millionaires of Tomorrow (Ages 0-12) · Special | $887.503.55% APY · Millionaires of Tomorrow (Ages 0-12) · Special | $1,775.003.55% APY · Millionaires of Tomorrow (Ages 0-12) · Special |
| 18 months | $234.513.10% APY · Investment Certificate · Standard | $469.023.10% APY · Investment Certificate · Standard | $1,172.563.10% APY · Investment Certificate · Standard | $2,383.233.15% APY · Investment Certificate · Standard |
| 24 months | $299.352.95% APY · Easy Street Account Certificate (Ages 50+) · Special | $598.702.95% APY · Easy Street Account Certificate (Ages 50+) · Special | $1,496.762.95% APY · Easy Street Account Certificate (Ages 50+) · Special | $3,045.003.00% APY · Easy Street Account Certificate (Ages 50+) · Special |
| 36 months | $166.821.10% APY · Investment Certificate · Standard | $333.641.10% APY · Investment Certificate · Standard | $834.111.10% APY · Investment Certificate · Standard | $1,744.911.15% APY · Investment Certificate · Standard |
| 48 months | $203.021.00% APY · Investment Certificate · Standard | $406.041.00% APY · Investment Certificate · Standard | $1,015.101.00% APY · Investment Certificate · Standard | $2,133.311.05% APY · Investment Certificate · Standard |
| 60 months | $242.060.95% APY · Investment Certificate · Standard | $484.110.95% APY · Investment Certificate · Standard | $1,210.280.95% APY · Investment Certificate · Standard | $2,550.501.00% APY · Investment Certificate · Standard |
How SAFE Federal 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 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 17 of 180 tracked institutions with fresh 274-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 Federal Credit Union (this institution)9-Month Special Rate Certificate · Promotional | 9 months | $1,000 | Membership required · branches in SC | 4.25% | October 23, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Available nationwide | 4.35% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking SAFE Federal Credit Union on October 23, 2026.
About SAFE Federal Credit Union
- Legal name
- Safe Federal Credit Union
- Regulator ID
- NCUA 9988
- Headquarters
- Sumter, SC
- Available in
- SC
- Total assets
- $2.0 billion
- Also known as
- Website
- www.safefed.org
Source: rates read from https://www.safefed.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at SAFE Federal Credit Union?
Among the rates we track, 4.25% APY on a 9-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a SAFE Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $100,000.
How does SAFE Federal Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.15% versus the 9-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-22. 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 Federal Credit Union CDs insured?
SAFE Federal Credit Union is a federally insured credit union (NCUA 9988). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at SAFE Federal 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 Federal Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from SAFE Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with SAFE Federal Credit Union before opening an account. This page is not financial advice.