Rates

Ready to open a new credit card or apply for a loan? Check SAFE's current rates on consumer, mortgage, auto, and recreational vehicle loans. 

Consumer Loan Rates

Share Secured 36 Months
Share Annual Percentage Rate plus
3.00%
APR*
Share Certificate 36 Months
CD Annual Percentage Rate plus
3.00%
APR*
Checking Overdraft
Annual Percentage Rate as low as
17.95%
APR* ($15,000 max)
Credit Card Rates
Card Type Annual Percentage Rate* (as low as)
Visa Platinum Low Rate 13.24% APR*
Visa Platinum Rewards 14.24% APR*

Credit Cards


*APR = Annual Percentage Rate are based on credit worthiness and prime rate. Your APR will vary with the market based on the Wall Street Journal prime rate.

Personal Loan Rate
Description Annual Percentage Rate* (as low as)
Personal Loan 8.99% APR*

Personal Loans


* APR = Annual Percentage Rate. Debt consolidation available only for loans financed by institutions other than SAFE. Proof of address and verification of income are required. Minimum loan amount is $250. Payment Example: for $10,000 at 7.99% APR for 60 months your payment would be $203/month. All loans are subject to creditworthiness and credit approval. Maximum unsecured loan limits apply. Conditions and terms are subject to change without notice.

Other Consumer Loan Rates
Description Term (in months) Annual Percentage Rate* (as low as)
Share Secured 36 Share rate plus 3% APR*
Share Certificate 36 CD rate plus 3% APR*
Checking Overdraft Open Ended ($15,000 max. loan) 17.95% APR*

* APR = Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score and term. Personal loan payment example: on a $7,500 personal loan at 9.99% APR for 60 months, your payment would be $153/month. Overdraft Protection loan payments are equal to 4% of the balance and a minimum payment amount of $20/month. Share certificate and share secured loans payment example: on a $5,500 share certificate/secured loan at 3.20% APR for 36 months, your payment would be $73/month. Conditions and terms are subject to change without notice.

Mortgage Loan Rates

10-Year Fixed
Annual Percentage Rate as low as
6.342%
APR*
30-Year Fixed
Annual Percentage Rate as low as
6.804%
APR*
30-Year Construction
Annual Percentage Rate as low as
7.399%
APR*
Freedom 15
Annual Percentage Rate as low as
6.669%
5/1 ARM
Annual Percentage Rate as low as
6.347%
APR*
HELoan 15
Annual Percentage Rate as low as
8.653%
Mortgage Rates
DescriptionInterest Rate (as low as)Annual Percentage Rate* (as low as)
30-Year Fixed6.75%6.804% APR*
10-Year Fixed6.25%6.342% APR*
30-Year Construction to Permanent7.25%7.399% APR*
5/1 ARM5.75%6.347% APR*
Freedom 156.625%6.669% APR*
HELoan 158.625%8.653% APR*

Mortgage Loans


*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 6.625% with an APR of 6.667% would result in a monthly principal and interest payment of $1,600.78. The stated monthly payment amount does not include taxes or insurance costs. If an escrow account is required, your actual monthly payment will also include amounts for real estate taxes, homeowner's insurance premiums, and/or Private Mortgage Insurance (PMI), therefore your payment amount will be higher than the example given. Terms and conditions are subject to change at any time without prior notice.

Auto Loan Rates

2022 and Newer
Annual Percentage Rate as low as
5.24%
APR*
2019-2021
Annual Percentage Rate as low as
7.24%
APR*
2016-2018
Annual Percentage Rate as low as
7.49%
APR*
2014-2015
Annual Percentage Rate as low as
8.49%
APR*
2013 and older
Annual Percentage rate as low as
10.24%
APR*
New and Used Auto Loan Rates
DescriptionTerm (in months)Annual Percentage Rate* (as low as)
2022 and Newer12-36 months5.24% APR*
2022 and Newer37-60 months5.99% APR*
2022 and Newer61-75 months6.49% APR*
2022 and Newer76-84 months ($30,000 min. loan)6.74% APR*
2019-202160 months7.24% APR*
2019-202161-75 months7.49% APR*
2019-202176-84 months ($30,000 min. loan)7.74% APR*
2016-201860 months7.49% APR*
2014-201654 months8.49% APR*
2013 and Older42 months10.24% APR*

Auto Loans


* APR = Annual Percentage Rate. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Minimum loan amount is $5,000. Rate is determined by credit score, term, and vehicle model year. Payment example: on a $35,000 auto at 5.49% APR for 60 months, your payment would be $670/month. On a $35,000 auto at 6.24% APR for 84 months, your monthly payment would $520/ month. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Conditions and terms are subject to change without notice.

Recreational Vehicle Loan Rates

Motorcycles
Annual Percentage Rate as low as
6.50%
APR*
Boats/Motors/Trailers
Annual Percentage Rate as low as
6.50%
APR*
Boat, Motor, and Trailer Loans
Description Term (in months) Annual Percentage Rate* (as low as)
2021 or Newer 84 6.50% APR*
2018 - 2020 72 7.50% APR*
2013 - 2017 60 8.00% APR*
2012 & Older 48 8.00% APR*

Recreational Vehicle Loans


*APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice

Motorcycle Loans
Description Term (in months) Annual Percentage Rate* (as low as)
2021 or Newer 84 6.50% APR*
2018 - 2020 72 7.50% APR*
2013 - 2017 60 8.00% APR*
2012 & Older 48 8.00% APR*

Recreational Vehicle Loans


*APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice

Off-Road Vehicle Loans
Description Term (in months) Annual Percentage Rate* (as low as)
2021 or Newer 60 7.50% APR*
2020 or Older 48 8.00% APR*

Recreational Vehicle Loans


*APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice.

RV/Camper Loans
Description Term (in months) Annual Percentage Rate* (as low as)
2021 or Newer 84 7.00% APR*
2018 - 2020 84 7.50% APR*
2013 - 2017 72 8.00% APR*
2012 & Older 60 8.50% APR*

Recreational Vehicle Loans


*APR= Annual Percentage Rate. Subject to member credit approval. Rate is determined by credit score, term, and model year of vehicle. Payment example: on a $15,000 loan at 5.50% APR for 60 months, your payment would be $287/month. Conditions and terms are subject to change without notice.

Certificate Rates

MOTster Youth Certificate
Annual Percentage Yield as high as
3.50%
APY*
Easy Street Certificate
Annual Percentage Yield as high as
1.55%
APY*
Share Investment Certificate
Annual Percentage Yield as high as
1.00%
APY*
IRA Certificates
Annual Percentage Yield as high as
3.50%
APY*
Youth Investment Certificates
DescriptionTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
MOTster (Ages 0-12)12$100$1003.50% APY*
Y Account (Ages 13-17)12$500$5003.50% APY*
U29 Account (Ages 18-29)12$500$5003.50% APY*

Certificates


*Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.

Easy Street Account Certificate (Ages 50+)
Deposit AmountTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Up to $50,00024$1,000$1,0001.40% APY*
$50,000+24$1,000$1,0001.45% APY*
$100,000+24$1,000$1,0001.55% APY*

Certificates


**Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.

Share Investment Certificate
Deposit AmountTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Up to $50,0003$1,000$1,0000.75% APY*
$50,000+3$1,000$1,0000.80% APY*
$100,000+3$1,000$1,0000.90% APY*
Up to $50,0006$1,000$1,0000.85% APY*
$50,000+6$1,000$1,0000.90% APY*
$100,000+6$1,000$1,0001.00% APY*

Certificates


**Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.

Investment Certificate
Deposit AmountTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Up to $50,00012$1,000$1,0003.50% APY*
$50,000+12$1,000$1,0003.50% APY*
$100,000+12$1,000$1,0003.50% APY*
Up to $50,00018$1,000$1,0001.25% APY*
$50,000+18$1,000$1,0001.30% APY*
$100,000+18$1,000$1,0001.40% APY*
Up to $50,00024$1,000$1,0001.30% APY*
$50,000+24$1,000$1,0001.35% APY*
$100,000+24$1,000$1,0001.45% APY*
Up to $50,00036$1,000$1,0001.10% APY*
$50,000+36$1,000$1,0001.15% APY*
$100,000+36$1,000$1,0001.25% APY*
Up to $50,00048$1,000$1,0001.00% APY*
$50,000+48$1,000$1,0001.05% APY*
$100,000+48$1,000$1,0001.15% APY*
Up to $50,00060$1,000$1,0000.95% APY*
$50,000+60$1,000$1,0001.00% APY*
$100,000+60$1,000$1,0001.10% APY*

Certificates


**Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.

Special Rate Share Certificates
Deposit AmountTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Up to $250,0009$1,000$1,0004.50% APY*
Up to $250,00019$1,000$1,0003.75% APY*
     

Certificates


**Limited time offer share certificate. Additional conditions and restrictions apply and are subject to change. Maximum deposit $250,000 per certificate. Click the link to see the Truth-in-Savings Disclosures and Additional Account Terms and Conditions for:  9- month Special Rate Share Certificates, 19-month Special Rate Share Certificates

IRA Certificate
Deposit AmountTerm (in months)Minimum to OpenMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Up to $50,00012$1,000$1,0003.50% APY*
$50,000+12$1,000$1,0003.50% APY*
$100,000+12$1,000$1,0003.50% APY*
Up to $50,00018$1,000$1,0001.25% APY*
$50,000+18$1,000$1,0001.30% APY*
$100,000+18$1,000$1,0001.40% APY*
Up to $50,00024$1,000$1,0001.30% APY*
$50,000+24$1,000$1,0001.35% APY*
$100,000+24$1,000$1,0001.45% APY*
Up to $50,00036$1,000$1,0001.10% APY*
$50,000+36$1,000$1,0001.15% APY*
$100,000+36$1,000$1,0001.25% APY*
Up to $50,00048$1,000$1,0001.00% APY*
$50,000+48$1,000$1,0001.05% APY*
$100,000+48$1,000$1,0001.15% APY*
Up to $50,00060$1,000$1,0000.95% APY*
$50,000+60$1,000$1,0001.00% APY*
$100,000+60$1,000$1,0001.10% APY*

Certificates


**Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Early withdrawal penalties may apply. Certificate rates are fixed for the term of the account. Other restrictions may apply. APY = Annual Percentage Yield.

Checking and Savings Account Rates

Regular Shares Savings
Annual Percentage Yield as high as
0.10%
APY*
Flexible Savings
Annual Percentage Yield as high as
0.15%
APY*
Checking
Annual Percentage Yield as high as
0.05%
APY*
Money Market Checking
Annual Percentage Yield as high as
3.45%
APY*
Savings Account Rates
DescriptionMinimum DepositMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Regular Savings$5.00$0.010.10% APY*
Flexible Savings$1.00$0.010.15% APY*
Holiday Club$1.00$0.010.25% APY*
IRA Accumulator$1.00$0.010.15% APY*
Coverdell Education Savings$1.00$0.010.15% APY*
MOTster Youth Account (Ages 0-12)$5.00$0.010.10% APY*
Y Account (Ages 13-17)$5.00$0.010.10% APY*
U29 Account (Ages 18-29)$5.00$0.010.10% APY*
Health Savings Account (HSA)$0.00$0.010.10% APY*

SAVINGS ACCOUNTS


*Rates are subject to change at any time without notice. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Other restrictions may apply. APY = Annual Percentage Yield.

Checking Account Rates
DescriptionMinimum Suggested DepositMinimum to Earn DividendsAnnual Percentage Yield* (as high as)
Regular Checking$25.00$500.000.05% APY*
Y Account Checking$25.00$500.000.05% APY*
U 29 Checking$25.00$500.000.05% APY*
Health Savings Account (HSA)$25.00$500.000.05% APY*

CHECKING ACCOUNTS


**Rates are subject to change at any time without notice. APY = Annual Percentage Yield.

Money Market Account Rates
Deposit TiersAnnual Percentage Yield* (as high as)
$0.01 - $25,0001.25% APY*
$25,000.01 - $50,0001.60% APY*
$50,000.01 - $100,0002.40% APY*
$100,000.01 - $250,0002.80% APY*
$250,000.01 - $500,0003.20% APY*
$500,000 +3.45% APY*

MONEY MARKET ACCOUNTS


**Rates are subject to change at any time without notice. APY = Annual Percentage Yield.