Share Savings Account

At SAFE, you'll find simple ways to save for your financial future.


  • Dividends are compounded and paid quarterly:
    • March 31
    • June 30
    • September 30
    • December 31
  • Dividends are earned on the average daily balance.
  • An itemized quarterly statement is provided.
  • A savings account requires a $5 minimum opening deposit.
    • A secondary savings account requires a $1 deposit to open.
  • Accounts are insured by NCUA up to $250,000. Visit for more details, as some exceptions do apply.
  • Six Regulation D transfers are allowed per month. (To learn more about Transfer Limitations, click here to view SAFE's Electronic Transfer Disclosure.)
  • $1,000 of free AD&D Insurance for those age 18 and up.
  • Life Help and Group Accident Insurance are available at nominal cost.
  • Excess withdrawal fee of $3 charged for each withdrawal in excess of nine per quarter.
    • ATM withdrawals not subject to the charge.
  • Inactive or dormant account (no transactions in a 12 month timeframe):
    • There is a dormant account fee of $5 per month.
    • There is no fee on balances over $500 and on accounts with members under the age of 24 years old.
  • Main savings accounts can be used to secure a loan at 3% above rate earning.


  • Earns more money by compounding.
  • Convenient to deposit any time and earn dividends from day of deposit.
  • Provides peace of mind concerning funds and convenient record of transactions.
  • Low cost to open and maintain the account.
  • Flexibility to have a number of withdrawals without penalty cost.
  • Protection at no cost.
  • Provides low cost protection and peace of mind.
  • Low cost and flexible access to funds.
  • Encourages use of the accounts.
  • Saves money.
  • Convenient to hold funds without restricting the primary savings account.