During the COVID-19 crisis, we feel it’s not enough for us to just say, “We’re here for you.” So we’re taking action to safeguard both your physical and financial health. Throughout South Carolina, we’ve put precautions in place within our branch lobbies to help protect our members when they come in to do business with us. And to borrow a phrase from the overworked heroes of the healthcare industry, we’ve developed a kind of ‘triage’ for your financial well-being.

Let’s get to it. Below you’ll find a quick overview of each financial-health opportunity. Simply click on the ones that interest you, and we’ll tell you more.

Accessing your accounts
  • We are happy to let you know that SAFE's branch lobbies are open. We also are doing our part to keep you safe when you manage your accounts. That means your lobby visits will be a little different:
    • Check in when you arrive and we'll call when it's your turn.
    • Social Distancing inside the branch.
    • Limited branch occupancy as recommended by local health authorities.
    • Spacing tellers at every other station.
    • For your safety -- and the safety of those around you -- we encourage you to wear your mask. To aid identification, you may be asked to pull your mask down briefly so we can see your face.
  • Lobbies, PTMs and drive-through lanes now are functioning under their normal operating hours.
  • NOTE: Since the COVID-19 virus is still a risk, we encourage you to make deposits and withdrawals at our drive-through lanes.

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Upgraded online and mobile banking services

The latest banking technology right at your fingertips could not have come at a better time. With streamlined security, improved bill pay, and new features that are ideal in this ‘stay-at-home’ world in which we find ourselves, SAFE's online and mobile banking services enable you to:

  • Access your accounts and manage money 24 hours a day via fingerprint, facial recognition or password
  • Import information from your other bank and credit union online accounts
  • Reach your financial goals with money-management tools
  • Make payments on SAFE Federal Credit Union loans
  • Transfer funds between accounts
  • Deposit checks remotely
  • Pay bills using Bill Pay
  • Open additional deposit accounts and apply for loan accounts
  • Stop payment on a check

Get Started with Online Banking

Please note: you can reach us by phone Monday through Friday from 7:00 AM to 7:00 PM and on Saturday from 9:00 AM to 1:00 PM at 800-763-8600, ext. 2375. Our secure chat feature is available within Online Banking during normal business hours.

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SAFE's policy regarding YOUR Direct stimulus payment deposit
If your deposit is made into a checking or savings account that is negative, our system automatically applies the deposit toward the negative balance. Simply call us and we will reverse the offset. In addition, we will not apply the deposit toward delinquent loan payments unless you instruct us to.
For help and information, call our Member Service Center at 800-763-8600, ext. 2375.

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Earlier Access to Your Direct Deposit

SAFE is now making direct deposits available up to a full day sooner.
When your direct deposits arrive early, we will post them early to your SAFE accounts. For example, if you're expecting a deposit on Friday, you now may see it posted to your account on Thursday. From salary to Social Security, we're making direct deposits accessible sooner than ever and right when you need them.

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Transfer limitations waived on select deposit accounts
Transfer Limitations waived on Select Deposit Accounts
During this emergency the Credit Union is temporarily waiving the limitations on transfers on the following accounts.
  • Regular Savings Accounts
  • Money Circus Accounts
  • Y-Accounts (Savings)
  • U29 Savings Accounts

If you’re an eligible SAFE member, you may be able to skip a payment on your qualifying loan(s)*.

To do so, simply contact our Member Service Center at 800-763-8600, ext. 2375. Or click on the button to download and complete the Skip Pay Request Form.

Skip Payment

* This offer does not apply to real estate loans, credit cards, or lines of credit. Terms, conditions, and limitations apply.

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Financial hardship relief options

We understand you may be facing financial hardship during this time, and we have options designed to help, such as deferring loan payments.

Especially now, it’s important to let us know about possible problems in advance. Don’t let your loan go delinquent before reaching out because our ability to help may be limited at that point. And, we do want to help in any way we can.

You can fill out the Loan Deferral Request Form and return it by mail or email. You also can give our Member Service Center a call at 800-763-8600, ext. 2375 to request a loan deferral.

Loan Deferral Application

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If you have an existing car loan with another credit union or bank, we may help your financial health via refinancing*. For qualified borrowers, our refinancing program includes:

  1. No payments for 90 days*
    It's one less thing to worry about with your first payment not due for 90 days.

  2. Reduced Interest Rates
    SAFE wants to reduce your payments so we’re offering auto loan terms with some of the area’s lowest interest rates.

  3. Fast Turnaround
    To get started, apply directly anytime 24/7 from your computer, laptop, tablet, or smartphone. Just click on the button to access our online application. You also can contact our Loan Service Center at 800-763-8600, ext. 2308.

Apply Now

*Promotion does not apply to refinancing of existing loans with SAFE. Must qualify. Terms and conditions apply. 

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Emergency Assistance Loan

SAFE is offering an “Emergency Assistance Loan” to assist our members during the COVID-19 pandemic. These small amount loans are designed to assist members with unexpected living expenses as a result of COVID-19. Contact our Loan Service Center for more information or begin the application process now by using the button below.

Apply for a loan

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Provisions under the new pandemic relief bill – What you need to know about your direct stimulus Payment.

Under the new pandemic relief bill that was passed on December 21, 2020 , most U.S. residents will receive a second round of direct stimulus payments. The automatic payments will soon be delivered to individuals who filed their tax returns electronically and opted for direct deposit of their refund.

The IRS has not released an official stimulus calculator for this round of direct payments yet, but we've included a link to help you figure out how much money you could get in your second stimulus check. Use the following button that will take you to a stimulus payment calculator.


Speed up delivery of your Economic Impact Payment if the IRS does not have your direct deposit information.

The IRS has not yet said if the special "Get My Payment application" that allowed recipients to provide banking information to receive payment through direct deposit for the last round of direct payments provided by the CARES Act will be used for the second round of payments.

By opting for direct deposit, you may be able to get your payment fast instead of waiting weeks for a paper check. And, if you did not file a 2018 or 2019 federal income tax return because your income was below $12,200 ($24,400 for married couples) or were not required to file for other reasons, the IRS may be able to help. Check back here for more information as it becomes available.

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Beware of scammers

Beware of scammers trying to get your personal information or your COVID-19 direct stimulus payment!

Scammers are trying to take advantage of the fear and confusion generated by the CONVID-19 pandemic. That means you’ll want to be even more alert. Remember, the IRS will not call and ask you to verify your payment details. Do not give out your bank account, debit account, or PayPal account information - even if someone claims it is necessary to get your direct stimulus payment. Beware of this scam.

For more on how to avoid being a victim of COVID-19 scams, take a moment to review the latest information from the Federal Trade Comission. It will be time well spent.


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Actions speak louder

The SAFE Federal Credit Union family remains committed to providing you with superior service with a focus on safety. This pandemic will end one day. Life will return to normal.

Until then and beyond, your well-being is our top priority. We have taken measures to help reduce the Coronavirus threat and protect your physical health. And as you’ve seen above, we’ve also taken action to help you stay financially healthy as COVID-19 runs its course.

We hope our actions will make a positive difference in your life. SAFE Federal Credit Union will continue to closely monitor the Coronavirus (COVID-19) outbreak and will provide regular updates to our website. If you would like additional information about the Coronavirus, please visit the Center for Disease Control website.

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