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Source: https://www.safecu.org/rates-disclosures/safe-savings-rates
Read: 2026-10-22T16:36:24.000Z

Savings Specials | Minimum Deposit | Term | Dividend Rate | APY
6 Month Certificate Special 12 Month Certificate Special | $500 | 6 Months | 3.40% | 3.45%
12 Months | 3.00% | 3.04%
Dividends paid monthly. Certificate penalties for early withdrawal may apply. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Also available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members.
Product | Minimum Initial Deposit | Minimum Balance | Dividend Rate | APY
Kids Club Savings Young Member Savings | $25 | $25 - $500 | 5.00% | 5.12%*
over $500 | 0.05% | 0.05% - 5.12%*
Introductory APY is limited to one account per tax-reporting owner and is available on accounts opened between October 17, 2026, and December 31, 2026, that meet the following requirements: 1) Tax-reporting owner has not had a savings account relationship with SAFE within the past 12 months from account opening date, 2) Open a Kids Club Savings or Young Member Savings account with a minimum deposit of $25 new money from another financial institution, and 3) Maintain a minimum balance of $25 for the first three months from account open date. After the three-month introductory period ends, or if the balance falls below $25, the dividend rate will revert to the standard Savings rate in effect at that time. Accounts that qualify for premium dividends will receive the applicable premium rate beginning the following calendar month. During introductory APY period, savings is a tiered-rate account, and the introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends are paid monthly. Rates are variable and may change monthly.
Minimum Deposit | $500-$24,999.99 | $25,000+
Term (In Months) | Dividend Rate | APY | Dividend Rate | APY
3 | 1.90% | 1.92% | 1.90% | 1.92%
6 | 1.90% | 1.92% | 2.25% | 2.27%
12 | 2.40% | 2.43% | 2.55% | 2.58%
18 | 2.40% | 2.43% | 2.55% | 2.58%
24 | 2.65% | 2.68% | 2.90% | 2.94%
36 | 2.90% | 2.94% | 3.00% | 3.04%
48 | 3.00% | 3.04% | 3.05% | 3.09%
60 | 3.15% | 3.20% | 3.20% | 3.25%
Dividends paid monthly. Certificate penalties for early withdrawal may apply. Most certificate offerings available for Business Accounts, Traditional IRA, Roth IRA, SEP IRA, & Coverdell Education Savings Account (CESA). Capitol Club Only: If your Capitol Club status entitles you to a premium dividend rate on your Certificate, the premium dividend rate will take effect the day after your Certificate is opened or renews. Capitol Club rate increase is .25% for eligible members. Certificates with a term not shown on this rate sheet will automatically renew to the closest term that does not exceed the existing term (example: a 9-month term Certificate will automatically renew for a 6-month term at the corresponding non-promotional dividend rate).
Other Certificates | Minimum Deposit | Term | Dividend Rate | APY
Add On1,2 | $25 | 12 Months | 2.40% | 2.43%
Bump Up1,3 | $500 | 12 Months | 2.40% | 2.43%
$500 | 24 Months | 2.65% | 2.68%
1 Dividends paid monthly. Certificate penalties for early withdrawal may apply. 2 Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Other restrictions may apply. 3 If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity.
Other IRA & CESA Options | Minimum Initial Deposit | Minimum Balance | Dividend Rate | APY
IRA Savings | $25 | under $100,000 | 0.25% | 0.25%
$100,000 - $199,999.99 | 0.30% | 0.30%
$200,000 & over | 0.35% | 0.35%
Savings | Minimum Initial Deposit | Minimum Balance | Dividend Rate | APY
Share Savings1 Kids Club Savings1 Young Member Savings1 Special Purpose Share Savings1 | $5 | None | 0.05% | 0.05%
Share Savings1,2 Young Member Savings1,2 Premium dividends when linked to Perfect Cents Checking® | $5 | first $1,000 | 0.70% | 0.70%
over $1,000 | 0.05% | 0.05% - 0.70%
Business Share Savings 1 Business Special Purpose Share1 | $5 | None | 0.05% | 0.05%
Money Market Accounts | Minimum Initial Deposit | Minimum Balance | Dividend Rate | APY
Level Up Money Market1 | $25 | under $10,000 | 0.85% | 0.85%
$10,000 - $24,999.99 | 0.85% | 0.85%
$25,000 - $49,999.99 | 1.35% | 1.36%
$50,000 - $99,999.99 | 1.60% | 1.61%
$100,000 - $249,999.99 | 1.85% | 1.87%
$250,000 & over | 2.20% | 2.22%
Capitol Access Money Market1 | $25 | under $2,000 | 0.05% | 0.05%
$2,000 - $9,999.99 | 0.05% | 0.05%
$10,000 - $24,999.99 | 0.10% | 0.10%
$25,000 - $49,999.99 | 0.10% | 0.10%
$50,000 - $99,999.99 | 0.10% | 0.10%
$100,000 - $199,999.99 | 0.10% | 0.10%
$200,000 - $499,999.99 | 0.10% | 0.10%
$500,000 & over | 0.15% | 0.15%
Preferred Money Market1,2 | $25 | first $2,000 | 1.25% | 1.26%
$2,000.01 - $49,999.99 | 0.10% | 0.15% - 1.26%
$50,000 - $99,999.99 | 0.20% | 0.15% - 0.17%
$100,000 - $249,999.99 | 0.20% | 0.17% - 0.19%
$250,000 - $499,999.99 | 0.25% | 0.19% - 0.22%
$500,000 & over | 0.35% | 0.22% - 0.35%
Business Money Market1 | $25 | under $10,000 | 0.85% | 0.85%
$10,000 - $24,999.99 | 0.85% | 0.85%
$25,000 - $49,999.99 | 1.35% | 1.36%
$50,000 - $99,999.99 | 1.60% | 1.61%
$100,000 - $249,999.99 | 1.85% | 1.87%
$250,000 & over | 2.20% | 2.22%
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Checking | Minimum Initial Deposit | Minimum Balance | Dividend Rate | APY
Perfect Cents Checking®1,2 | $25 | first $3,000 | 3.00% | 3.04%
$3,000.01 & over | 0.05% | 0.05% - 3.04%
Prestige Checking1 | $25 | under $2,000 | 0.05% | 0.05%
$2,000 - $9,999.99 | 0.05% | 0.05%
$10,000 - $24,999.99 | 0.07% | 0.07%
$25,000 - $49,999.99 | 0.07% | 0.07%
$50,000 & over | 0.10% | 0.10%
Freedom Checking | $25 | None | None | None
Capitol Checking1,3 | $25 | first $25,000 | 0.35% | 0.35%
$25,000.01 & over | 0.05% | 0.05% - 0.35%
Business Value Checking | $25 | None | None | None
Business Checking1 | $25 | under $2,000 | 0.05% | 0.05%
$2,000 - $9,999.99 | 0.05% | 0.05%
$10,000 - $24,999.99 | 0.08% | 0.08%
$25,000 - $49,999.99 | 0.08% | 0.08%
$50,000 - $99,999.99 | 0.10% | 0.10%
$100,000 & over | 0.10% | 0.10%
APY = Annual Percentage Yield. Dividend rates are prospective and subject to change. Variable rates may change after account opening without notice. Fees may reduce earnings on accounts. Non-Dividend Earning Savings Accounts and Business Non-Dividend Savings Accounts are available upon request, and requires a $5 minimum initial deposit. For current dividend rates, tiers, and product offerings, call (916) 979-7233 or (800) SEE-SAFE, or visit SAFE's website: www.safecu.org.