Credit Unions are financial institutions formed by an organized group of people with a common bond. Members of credit unions pool their assets to provide loans and other financial services to each other.

These factors allow credit unions to pay dividends to their members (not shareholders) and offer them lower loan rates, higher savings rates and fewer service fees.

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions. They also insure savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

Below are just a few reasons why you should make SAFE your primary financial institution:

• The positive attitudes and expertise of our employees make every member experience special. The culture of SAFE creates a small-town, low-pressure, friend-to-friend atmosphere where members are treated with respect.
• We value our members' time by making transactions easy and fast. We strive to offer convenience services that help members save time. We also work to educate our members on financial needs, no matter what life stage they may currently be in.
• We work to build lifelong relationships with our members. We want to ensure members know that once they are a member, any immediate family member can join SAFE, too! This is one important way the Credit Union can grow.
• SAFE is committed to the communities we serve. We work hard to support social, economic, and environmental well-being efforts. And believe that our support can help enhance the quality of life for all of our members.

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WHY A CREDIT UNION?