One Step Closer to Owning Your Own Home

Whether you are purchasing, renovating, building, or refinancing, a mortgage with SAFE will put you one step closer to making your dreams come true. We offer a variety of real estate loans and mortgages, including:

  • Residential First Mortgage
  • Freedom Low-Cost Refinance Options
  • Construction to Permanent
  • Home Equity Line of Credit (HELOC)
  • and more!


30-Year Fixed Mortgage as low as 4.875% APR 4.931%
10-Year Fixed Mortgage as low as 4.375 APR 4.507%
30-Year Construction to Permanent as low as 5.375% APR 5.435%
APR = Annual Percentage Rate

Get your instant customized rate quote on all of our products.

Residential First Mortgage

First-time home buyers have unique needs. At SAFE, we have a mortgage to support those members.

  • Fixed rates as low as 4.875% APR 4.931%
  • 30 year loan as a primary residence
  • Up to 100% loan-to-value
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Freedom Low Cost Refinance Options

The SAFE way to accelerate your mortgage payoff!

  • Fixed rates as low as 4.5% APR 4.561%
  • Repayment Terms from 7 to 25 years
  • Limited closing costs and appraisal may not be required
  • No prepayment penalties
  • Up to 75% loan-to-value
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Construction to Permanent

SAFE's new three stage mortgage that allows you to finance the construction of your new home.

  • Stage 1: Pre-Qualified Application/Decision
    Guarantee your interest rate and close your loan before construction.
    This is a one-time closing with no need to re-qualify for the permanent phase.
  • Stage 2: Building and Disbursement
    During construction, disbursement is made to cover the cost to build; interest is paid only on the outstanding balance.
  • Stage 3: Conversion
    Upon completion, the loan converts to a permanent mortgage.
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Home Equity Line of Credit

A HELOC lets you borrow when you need it, in the amounts you need. You only pay interest on what you've borrowed.

  • Convenient access to funds
  • No closing costs or appraisal if you use a SAFE Federal Credit Union approved closing provider. Additional costs may be required if appraisal is requested*.
  • Up to 80% combined-loan-to-value

*Minimum draw amount of $15,000 required for SAFE to pay toward closing costs.

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*APR= Annual Percentage Rate. Loans are subject to credit union membership, eligibility and verification of information provided on the application. Some restrictions apply. All loans subject to credit approval. For fixed-rate mortgages, Annual Percentage Rates (APRs) are not subject to increase after consummation. An example of a typical 30-year fixed rate mortgage with a down payment of 20% is as follows: a loan amount of $250,000 with a note rate of 4.875% with an APR of 4.931% would result in a monthly principal and interest payment of $1,323.02. The stated monthly payment amount does not include taxes or insurance costs and, therefore, the payment obligation will be greater. Terms and conditions are subject to change at any time without prior notice.