# SAFE Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/safe-federal-credit-union
Institution: Safe Federal Credit Union (NCUA 9988)
Aliases: 
Status: live
Last verified: 2026-10-23T11:35:22.000Z (October 23, 2026)
Official source: https://www.safefed.org/rates
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Investment Certificate | standard | 3 months | $100,000 | 0.90% | Not ZIP-priced | −3.36% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Share Investment Certificate | standard | 3 months | $50,000 | 0.80% | Not ZIP-priced | −3.46% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Share Investment Certificate | standard | 3 months | $1,000 | 0.75% | Not ZIP-priced | −3.51% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Share Investment Certificate | standard | 6 months | $100,000 | 3.60% | Not ZIP-priced | −0.74% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Share Investment Certificate | standard | 6 months | $50,000 | 3.50% | Not ZIP-priced | −0.84% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Share Investment Certificate | standard | 6 months | $1,000 | 3.45% | Not ZIP-priced | −0.89% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| 9-Month Special Rate Certificate | promotional | 9 months | $1,000 | 4.25% | Not ZIP-priced | −0.15% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 12 months | $100,000 | 3.65% | Not ZIP-priced | −0.81% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Millionaires of Tomorrow (Ages 0-12) | special | 12 months | $100 | 3.55% | Not ZIP-priced | −0.91% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Y Account (Ages 13-17) | special | 12 months | $500 | 3.55% | Not ZIP-priced | −0.91% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| U29 Account (Ages 18-29) | special | 12 months | $500 | 3.55% | Not ZIP-priced | −0.91% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 12 months | $50,000 | 3.55% | Not ZIP-priced | −0.91% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 12 months | $1,000 | 3.50% | Not ZIP-priced | −0.96% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 18 months | $100,000 | 3.25% | Not ZIP-priced | −1.33% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 18 months | $50,000 | 3.15% | Not ZIP-priced | −1.43% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 18 months | $1,000 | 3.10% | Not ZIP-priced | −1.48% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Easy Street Account Certificate (Ages 50+) | special | 24 months | $100,000 | 3.10% | Not ZIP-priced | −1.60% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Easy Street Account Certificate (Ages 50+) | special | 24 months | $50,000 | 3.00% | Not ZIP-priced | −1.70% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 24 months | $100,000 | 3.00% | Not ZIP-priced | −1.70% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Easy Street Account Certificate (Ages 50+) | special | 24 months | $1,000 | 2.95% | Not ZIP-priced | −1.75% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 24 months | $50,000 | 2.90% | Not ZIP-priced | −1.80% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 24 months | $1,000 | 2.85% | Not ZIP-priced | −1.85% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 36 months | $100,000 | 1.25% | Not ZIP-priced | −3.53% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 36 months | $50,000 | 1.15% | Not ZIP-priced | −3.63% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 36 months | $1,000 | 1.10% | Not ZIP-priced | −3.68% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 48 months | $100,000 | 1.15% | Not ZIP-priced | −3.66% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 48 months | $50,000 | 1.05% | Not ZIP-priced | −3.76% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 48 months | $1,000 | 1.00% | Not ZIP-priced | −3.81% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 60 months | $100,000 | 1.10% | Not ZIP-priced | −3.74% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 60 months | $50,000 | 1.00% | Not ZIP-priced | −3.84% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |
| Investment Certificate | standard | 60 months | $1,000 | 0.95% | Not ZIP-priced | −3.89% | 2026-10-23T11:35:22.000Z | [Snapshot 1024](https://apyledger.com/snapshots/1024) |

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.