Checking Made Simple
When you open a checking account with SAFE, there are no monthly service charges, no minimum balance requirements, and no per-check fees.
Keep life affordable and convenient with a SAFE checking account. You have access to the latest high-tech amenities without giving up the personal attention you deserve. You’ll also enjoy:
- Convenient, round-the-clock access to funds —Whether you’re transferring money, making a deposit, or paying a bill, banking is easier than ever before with SAFE’s 24/7 online and mobile account platforms.
- Overdraft protection —Avoid the hassle and embarrassment of bounced checks with this simple safeguard. Choose from five different protection options to fit your lifestyle.
- Visa® Debit Card—Access your funds anywhere Visa is accepted and get peace of mind with continuous fraud monitoring. SAFE’s debit card is the safest and most convenient way to pay.
- No fees, no balance requirements to maintain your account—and much more!
Easy Access Savings
You can start a traditional savings account at SAFE with as little as a $5 opening deposit.
As a SAFE account holder, you’ll also enjoy:
- Regular quarterly earnings—SAFE distributes dividends—that is, your portion of our earnings—to members four times per year. Dividends are paid on your average daily balance.
- Lasting financial protection—Our savings accounts are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.
- And much more!
Checking & Savings Account Rates
RealLife Checking
Annual Percentage Yield as high as
0.05%
APY*
Money Market Checking
Annual Percentage Yield as high as
2.70%
APY*
Regular Shares Savings
Annual Percentage Yield as high as
0.10%
APY*
Flexible Savings
Annual Percentage Yield as high as
0.15%
APY*
Traditional Checking
Our hassle-free checking account requires a $25 minimum opening deposit, and there’s no minimum balance required. No monthly maintenance fees and no per-check charges, either!
Money Market Accounts
A checking opportunity with the possibility for high returns—a $2,000 minimum opening deposit qualifies you to earn dividends right away
Y Checking
Exclusively for teens aged 15 – 17, Y Checking is the smart first step into adult checking. See why Y Checking is a teen’s best choice for making everyday purchases and managing money.
Regular Shares Savings
With healthy quarterly dividends and flexible monthly fund transfer terms, Regular Shares accounts are among the most trusted savings options available for our members.
Flexible Savings
When you need more than one savings account, you can open a Flexible Savings account. Enjoy one of the area’s most competitive yields with all the benefits of our Regular Shares Savings option.
Y Savings
For teens looking to earn more and learn more, SAFE’s Y Savings Account is the perfect answer. The Y Savings Account is exclusively for teens aged 13-17.
Holiday Club Savings
Need to save for an upcoming vacation or the holiday season? Here’s the best savings account for money that you plan to use in the near future.
Easy Street Club
An exclusive service for members aged 50 and older, Easy Street membership saves you money and provides perks like free checks and social activities.
Why join a credit union?
According to the Credit Union National Association, more than 120 million Americans belong to a credit union.
Some of the benefits of a credit union checking or savings account include:
- Generally lower fees and higher savings rates
- Personalized service
- Not-for-profit status means we serve our members, not investors
- Not everyone is eligible for membership with SAFE, but there are many ways to qualify. See if you qualify today.
Budgeting & Banking Resources
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Blog Post1 min readHow to avoid ATM fees when travelingYou’re out running errands, heading to a game, or traveling for the weekend when you realize you need cash. The nearest SAFE ATM may be miles away, but you still have options. SAFE is part of the CO... -
Blog Post1 min readTips for sharing expenses with a groupYou just had the best vacation with your friends and everyone had a great time. One person ends up paying for the house rental, another covers groceries, and somebody says, “We’ll figure it out later... -
Blog Post2 min read7 things your checking account can do that you might not be usingBelieve it or not, your SAFE checking account is for more than tapping your debit card and paying bills. In fact, if you have RealLife Checking at SAFE, you have access to tools and perks that can... -
Blog Post2 min readHow to save your first $1,000 without giving up everything funSaving your first $1,000 can feel impossible when you've got rent, groceries, a car payment, streaming subscriptions...and plans this weekend! The good thing is: building a savings cushion doesn't...
Open an Account Today
We’re here to help you access checking and savings account options tailored to your personal financial situation. If you have any questions, we’re happy to answer them.