# SAFE Federal Credit Union

> SAFE Federal Credit Union is a not-for-profit, federally insured credit union headquartered in Sumter, South Carolina. Founded in 1955 by civilian employees at Shaw Air Force Base, SAFE now serves over 141,000 members across a seven-county service area in the South Carolina Midlands. SAFE holds over $1.5 billion in assets, operates 20 branch locations, and maintains a five-star BauerFinancial rating. Deposits are federally insured up to $250,000 by the NCUA. Phone: 800-763-8600. Routing number: 253279691.

SAFE offers checking and savings accounts, auto loans, mortgage and construction loans, personal loans, credit cards, retirement and investment services, and business banking. Members can join based on where they live or work in South Carolina, or through employer partnerships. SAFE provides mobile and online banking, a 24/7 AI-powered phone assistant called SKYE, and access to over 30,000 CO-OP ATMs nationwide.

## Checking and Savings

- [Checking Accounts](https://www.safefed.org/checking-savings/checking-accounts): PowerUp Checking (3.00% APY on balances up to $20,000), Traditional Checking (no monthly fees), and youth checking options for ages 15-29
- [Savings and Club Accounts](https://www.safefed.org/checking-savings/savings-accounts): Savings accounts, Christmas Club, and Vacation Club accounts
- [Youth Accounts](https://www.safefed.org/checking-savings/youth-accounts): Accounts designed for children, teens, and young adults including Y Checking (ages 15-17) and U29 Checking (ages 19-29)
- [Money Market and Certificates](https://www.safefed.org/checking-savings/money-market-certificates): Money market accounts and share investment certificates
- [Health and Coverdell Education Savings](https://www.safefed.org/checking-savings/health-coverdell-education-savings): HSA and Coverdell education savings accounts
- [Business Services](https://www.safefed.org/checking-savings/business-services): Business checking, savings, and lending services
- [Mobile and Online Banking](https://www.safefed.org/checking-savings/mobile-online-banking): Digital banking tools, mobile deposit, bill pay, and account management

## Loans and Credit Cards

- [Auto Loans](https://www.safefed.org/cards-loans/auto-loans): New and used vehicle financing with rates as low as 3.74% APR, terms up to 84 months, and refinancing from other lenders
- [Mortgage Loans](https://www.safefed.org/loans/mortgage): Home purchase, refinance, and preapproval with fixed-rate options from 10 to 30 years
- [Construction Loans](https://www.safefed.org/loans/mortgage/construction-loans): Construction-to-permanent mortgages with one application, one closing, and financing up to 95% of cost to build
- [Personal Loans](https://www.safefed.org/loans/personal): Personal loans for debt consolidation, home improvements, medical expenses, and other purposes
- [Credit Cards](https://www.safefed.org/cards-loans/credit-cards): SAFE Visa credit cards with competitive rates
- [Recreational Vehicle Loans](https://www.safefed.org/loans/auto/recreational-vehicle-loans): Financing for boats, ATVs, RVs, and motorcycles
- [Vehicle Buying Services](https://www.safefed.org/loans/auto/vehicle-buying-services): TrueCar auto buying service and indirect lending program
- [Skip Pay](https://www.safefed.org/cards-loans/skip-pay): Option to defer up to two loan payments per year on qualifying loans
- [Loan Payment Options](https://www.safefed.org/cards-loans/loan-payment-options): Ways to make loan payments including online, by phone, and at branches
- [Payment Protection Insurance](https://www.safefed.org/trustage-insurance-claim-portal): TruStage life and disability insurance on credit and loan products

## Retirement and Investment

- [Retirement Options](https://www.safefed.org/retirement-investment/retirement-options): IRA accounts and retirement planning
- [Investment Services](https://www.safefed.org/retirement-investment/safe-investment-services): Investment advisory services for members
- [Life Insurance](https://www.safefed.org/retirement-investment/life-insurance): Life insurance options through SAFE

## Membership

- [Credit Union Membership](https://www.safefed.org/credit-union-membership): How to join SAFE, membership benefits, and eligibility requirements
- [Check Eligibility by Location](https://www.safefed.org/credit-union-membership/check-eligibility-location): Determine if you qualify for membership based on where you live or work in South Carolina
- [Check Eligibility by Select Employee Group](https://www.safefed.org/credit-union-membership/select-employee-groups): Employer and organization partnerships that qualify you for SAFE membership
- [SKYE AI Phone Assistant](https://www.safefed.org/skye): SAFE's 24/7 AI-powered phone assistant for member support

## Rates and Locations

- [Current Rates](https://www.safefed.org/rates): Current interest rates for savings, checking, certificates, auto loans, mortgages, personal loans, and credit cards
- [Branches and ATMs](https://www.safefed.org/branches-atms): Find SAFE branch locations and ATMs across the South Carolina Midlands including Columbia, Lexington, Sumter, Florence, Camden, Manning, and Shaw Air Force Base
- [Contact and Support](https://www.safefed.org/contact-support): Phone, email, and secure messaging options for member support

## Learning Center

- [Learning Center](https://www.safefed.org/learning-center): Financial education hub with articles, calculators, videos, and guides
- [Calculators](https://www.safefed.org/learning-center/calculators): Financial calculators including car payment, VA loan, home affordability, mortgage payment, and checkbook balance
- [VA Loan Calculator](https://www.safefed.org/learning-center/calculators/va-loan-calculator): Estimate monthly payments for VA home loans including principal, interest, taxes, insurance, and VA funding fee
- [Car Payments Calculator](https://www.safefed.org/learning-center/calculators/car-payments-calculator): Estimate monthly auto loan payments based on loan amount, term, and interest rate
- [SAFE Cents Video Series](https://www.safefed.org/learning-center/safe-cents): Financial education video series covering budgeting, saving, and managing money
- [Financial Advisement](https://www.safefed.org/learning-center/financial-advisement): Free financial counseling for SAFE members
- [SAFE AWARE Fraud Prevention](https://www.safefed.org/learning-center/safeaware): Fraud education and security resources to protect your finances
- [LIFE STAGES Guides](https://www.safefed.org/learning-center/LifeStages): Financial guides organized by life milestones
- [Newsroom](https://www.safefed.org/learning-center/newsroom): News and press releases from SAFE Federal Credit Union

## Financial Education Articles

- [The Complete Homebuying Guide](https://www.safefed.org/financial-education/complete-homebuying-guide): Step-by-step guide to the home buying process including financing, inspections, and closing
- [What is the 50/30/20 Budgeting Rule?](https://www.safefed.org/financial-education/what-503020-budgeting-rule): How to divide income into 50% needs, 30% wants, and 20% savings and debt repayment
- [What is ACH Payment Fraud?](https://www.safefed.org/financial-education/what-ach-payment-fraud): How ACH fraud occurs through phishing, malware, and social engineering, and how to protect yourself
- [Facebook Hackers: What's Behind Their Biggest Scam Yet](https://www.safefed.org/financial-education/facebook-hackers-whats-behind-their-biggest-scam-yet): How Facebook account hacking scams work and how to protect your account
- [Signs of a Facebook Marketplace Scam](https://www.safefed.org/financial-education/signs-facebook-marketplace-scam): Red flags to watch for when buying or selling on Facebook Marketplace
- [First Responder Mortgage Program](https://www.safefed.org/financial-education/first-responder-mortgage-program-15000-down-payment-assistance): Up to $15,000 in down payment assistance for first responders and public service workers
- [What to Consider Before Co-signing a Loan](https://www.safefed.org/financial-education/what-consider-co-signing-loan): Risks and factors to evaluate before co-signing a loan for someone
- [Join SAFE for a Free Shred Event](https://www.safefed.org/financial-education/join-safe-free-shred-event): Community document shredding events to help prevent identity theft
- [Reduce Fraud with Visa Purchase Alerts](https://www.safefed.org/financial-education/reduce-fraud-visa-purchase-alerts): How to set up transaction alerts on your SAFE Visa debit and credit cards
- [Credit Card Secrets](https://www.safefed.org/financial-education/credit-card-secrets): Tips for managing credit cards and understanding how credit card terms work

## Optional

- [About SAFE](https://www.safefed.org/about): History, mission, and community involvement of SAFE Federal Credit Union
- [Board of Directors](https://www.safefed.org/board-directors): SAFE's board of directors
- [Supervisory Committee](https://www.safefed.org/supervisory-committee): SAFE's supervisory committee
- [Careers](https://www.safefed.org/careers): Job openings and career information at SAFE Federal Credit Union
- [Disclosures, Legal, and Fees](https://www.safefed.org/disclosures-legal-and-fees): Legal disclosures, fee schedules, and regulatory information
- [Online Privacy and Security](https://www.safefed.org/online-privacy-security): SAFE's privacy policy and online security practices
- [Online Accessibility Statement](https://www.safefed.org/online-accessibility-statement): Web accessibility commitment and contact information
- [Terms of Use](https://www.safefed.org/terms-use): Website terms of use
- [Consumer Complaints](https://www.safefed.org/consumer-complaints): How to file a complaint with SAFE
- [PowerUp Checking](https://www.safefed.org/powerup): Details on the high-yield PowerUp Checking account earning 3.00% APY
- [Fraud Text Alerts](https://www.safefed.org/fraud-text-alerts): Automated fraud detection alerts for SAFE debit and credit cards
- [Digital Wallet](https://www.safefed.org/digital-wallet): How to add your SAFE card to Apple Pay, Samsung Pay, Google Pay, and other digital wallets
- [IDCheck Shared Branching](https://www.safefed.org/financial-education/your-shared-branch-transactions-will-soon-be-more-secure): How IDCheck makes shared branch transactions more secure