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SAFE Credit Union Rates

Credit Card Rates & Disclosures

If you would like to apply for a credit card online, please review the rates and click the Apply Now button below. Interested in applying for a business credit card? View our business credit card rates. I have read and accept the rate information. Rates and terms are subject to change without notice.

Rates effective as of August 1, 2017

Apply Now : View complete rates & disclosures

Apply Now : View complete rates & disclosures (Business Credit Cards)

  APR Purchases* APR Balance Transfer* APR Cash Advances* Minimum Interest Charge Annual Fee Balance Transfer Fee Foreign Transaction Fee
Platinum Rewards Visa® Card 0.00% introductory APR for 12 months1
After that, your APR will be
11.49% - 17.49%
11.49% - 17.49% 11.49% - 17.49% None None None None
Platinum Cash Rewards Visa® Card 0.00% introductory APR for 12 months1
After that, your APR will be
13.49% - 19.49%
13.49% - 19.49% 13.49% - 19.49% None None None Up to 1% of each transaction in U.S. dollars.
Platinum Visa® Card 9.49% - 15.49% 9.49% - 15.49% 9.49% - 15.49% None None None
Partner for Change, Aerospace Museum of California Visa® Card 11.49% - 17.49% 11.49% - 17.49% 11.49% - 17.49% None None None
Student Visa® Card 19.90% 19.90% 19.90% None None None
Share Secured Visa® Card2 15.49% 15.49% 15.49% None $15 None
Visa® Business Credit Card 1.90% introductory APR for 6 months1
After that, your APR will be
10.90% - 16.90%
10.90% - 16.90% 10.90% - 16.90% None None None
Penalty APR and When it Applies
21.90%
This APR may be applied to your account if you
  1. Make a late payment
  2. Make a payment that is returned.

How long will the Penalty APR apply?
If your APRs are increased for either of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers as of the transaction date.

For Credit Card tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore .

Returned Payment
Up to $10.

Cash Advance (does not apply to Visa Business Credit Cards)
Either $10 or 3% of the amount of each transfer, whichever is greater. (no fee for cash advances taken at any SAFE ATM, through CALL-24 Phone banking, or through SAFE Online Banking).

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

* When you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
1 Introductory APR is available to well-qualified applicants only.

Equity Loan Rates & Disclosures

To submit a loan inquiry, click the "Get started now" button below.

Rates effective as of August 1, 2017

Rates and terms are subject to change without notice. The rates below are for informational purposes only. Not all borrowers will qualify for all rates. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Call SAFE for pre-qualification or for more information toll free at 1-800-SEE-SAFE. Log on to SAFE's Website at www.safecu.org for current rates or to apply for a loan online.

View complete rates & disclosures

Variable Rate Home Equity Line of Credit (HELOC)
  Maximum Combined LTV Loan Amount Minimum APR Maximum APR Margin Range Monthly Payment Fees
Primary Residence
1st or 2nd Mortgage
80%1 $10k - $500k1 Minimum APR = Prime Rate + Margin 4.74% - 8.24%2 15.00% .49% to 3.99% Prinicpal & Interest3 Minimum of $75 -0- 4
Second Home
1st or 2nd Mortgage
75% $10k - $500k Minimum APR = Prime Rate + Margin 5.24% - 8.74%2 15.00% .99% to 4.49% Prinicpal & Interest3 Minimum of $75 -0- 4
Investment Property
1st or 2nd Mortgage
70% $10k - $100k Minimum APR = Prime Rate + Margin 6.24% - 8.24%2 18.00% 1.99% to 3.99% Prinicpal & Interest3 Minimum of $75 $575 + Closing Fees5
1 For loan amount greater than $150k, maximum combined LTV cannot exceed 75%. 2 Prime Rate as published in the Wall Street Journal, Western Edition. A margin reduction of .25% applies to LTV/CLTV up to 60%.
3 Fully amortized principal and interest payment recalculated monthly. 4 No annual fee. If loan closed within 3 years, waived closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature.
5Closing costs range from $500 to $1600 due at closing. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature.

Fixed Rate Equity Loan
Property Type - Single Family Residence, Condo, Planned Unit Development
Owner Occupied Loan Amount 80% Financing Fees
Up to 15 Years 1 10k - 300k to 75%, 10k - 100k to 80% 6.625% APR4 -0- 2
Up to 20 Years 1 6.625% APR4
Non-Owner Occupied Loan Amount 70% Financing Fees
Up to 15 Years 3 $10k - $300k 12.99% APR4 $575 + Closing Fees5
1 Payment at 6.625% APR for 120 months is $11.42 per $1,000 borrowed.
2 If loan closed within 3 years, closing costs ranging from $485 to $1590 will be owed. Appraisal fee up to $900 may apply, fee is refundable at closing. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature.
3 Payment at 12.99% APR for 180 months is $12.65 per $1,000 borrowed.
4 If fixed equity is in 1st lien position at time of origination subtract 2% from published interest rates.
5 Closing costs range from $500 to $1600 due at closing. Not eligible for 2nd mortgage if 1st mortgage has a negative amortization feature.

Land and Lot Loan
Property Type - Residential Use 1 - 10 Acres, Purchase Only
Product Maximum Combined LTV* Maximum Term APR Ranges1 Points Fees Additional Requirements
Amortized 70% 15 Yrs 5.75% - 7.15% -0- $900 + Closing Fees $50,000 minimum loan amount. Paved road & utilities must be available to the property.  Must be a member in good standing for minimum 6 months.
1Payment at 7.15% APR for 180 months is $9.08 per $1,000 borrowed.
* 70% LTV available for loans between 0 - 5 acres.  Reduce maximum LTV by 5% for loans between 5 - 10 acres.

Vehicle and Personal Loan Rates & Disclosures

If you would like to apply for a loan online, please review the rates and click the Apply Now button below. I have read and accept the rate information.

Rates effective as of August 1, 2017

View complete rates & disclosures

  Term APR1
    New Used
Car/Truck/Van - One ton or less Up to 84 Months 2.99%2 - 10.99% 2.99%2 - 10.99%
Business Vehicle Up to 84 Months 4.49% - 5.49% 4.49% - 5.59%
Commercial Vehicle Up to 60 Months 4.49% - 5.49% 4.49% - 5.59%
Motorcycle Up to 66 Months 6.25% - 6.75% 7.99% - 8.50%
RV & Boat (Motor Home, Trailer, Boat, Jet Ski titled by DMV) Up to 84 Months 6.25% - 6.75% 7.99% - 8.50%
85 to 120 Months 6.50% - 7.00% 8.24% - 8.75%
  Amount Term3 APR1
Personal Use Up to $10,000 Up to 36 Months 9.90% - 17.90%
Green Energy4 Up to $25,000 Up to 180 Months 6.50% - 15.90%
Share Secured 100% Financing Up to 60 Months 5.75%

Rates and terms are subject to change without notice. Rates determined by amount financed, loan term and credit history.

New is current and previous model year (2016 & 2017) Hybrid vehicle eligible for additional rate discount of .25%.

1 Rates for Vehicle Loans and Personal loans reflect a relationship discount of .50%. To qualify for the Relationship Discount Rate, you must have automatic loan payments from your SAFE account and an active checking account at SAFE. For Regular Rate, add .50% to Relationship Discount Rate.
2 2.99% APR available on terms up to 48 months. Payment on a $25,000 loan at 3.59% APR for 84 months is $337.06. Minimum $20,000 loan amount for terms over 75 months.
3 Payment on a loan at 9.90% APR for 36 months is $32.22 per $1,000 borrowed.
4 Owner-occupied improvements only.

Purchase Rate Sheet & Disclosures

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Rates displayed are for a 45-day rate lock period. Additional rate lock periods are available. Payments shown do not include taxes or insurance. Actual payments may be greater.

View complete rates & disclosures

Fixed-Rate Mortgage1 Rate Points % APR3 Payment4
Adjustable Rate Mortgage (ARM)1 Rate Points % APR3 Payment4
Jumbo Fixed Mortgage2 Rate Points % APR3 Payment5
Jumbo ARM Mortgage2 Rate Points % APR3 Payment5
No Mortgage Insurance Above 80% LTV Rate Points % APR3 Payment5
1 Maximum loan amount of $424,100. Mortgage insurance is not required when LTV is 80% or less.2 Maximum loan amount of $2,000,000. Mortgage insurance is not required when LTV is 80% or less. 3 APR = Annual Percentage Rate. 4 Payment based on $100,000 loan amount. 5 Payment based on $500,000 loan amount. 6 LTV up to 70%. 7 LTV up to 80%. 8 LTV up to 90%. 9 LTV up to 97%. 10 SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. 11 Additional terms are available. 12 LTV up to 85%. ARM rates are variable, may increase or decrease during the life of the loan, and indexed to the One Year LIBOR rate with a margin of 2.25%. ARM loans are amortized over a 30-year term. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. Rates shown are for informational purposes only and are based on a single-family detached, owner-occupied property located in California with a qualified borrower. Not all borrowers will qualify. Certain rate and/or point adjustments may apply depending on loan features and borrower's credit. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Refinance Rate Sheet & Disclosures

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All rates and points are subject to change without notice. No rate is guaranteed until there is a valid rate lock. Rates displayed are for a 45-day rate lock period. Additional rate lock periods are available. Payments shown do not include taxes or insurance. Actual payments may be greater.

View complete rates & disclosures

Fixed-Rate Mortgage1 Rate Points % APR3 Payment4
Adjustable Rate Mortgage (ARM)1 Rate Points % APR3 Payment4
Jumbo Fixed Mortgage2 Rate Points % APR3 Payment5
Jumbo ARM Mortgage2 Rate Points % APR3 Payment5
No Mortgage Insurance Above 80% LTV Rate Points % APR3 Payment5
1 Maximum loan amount of $424,100. Mortgage insurance is not required when LTV is 80% or less.2 Maximum loan amount of $2,000,000. Mortgage insurance is not required when LTV is 80% or less. 3 APR = Annual Percentage Rate. 4 Payment based on $100,000 loan amount. 5 Payment based on $500,000 loan amount. 6 LTV up to 70%. 7 LTV up to 80%. 8 LTV up to 90%. 9 LTV up to 97%. 10 SAFE Alternative allows 24 months seasoning for a short sale, foreclosure, or bankruptcy discharge. 11 Additional terms are available. 12 LTV up to 85%. ARM rates are variable, may increase or decrease during the life of the loan, and indexed to the One Year LIBOR rate with a margin of 2.25%. ARM loans are amortized over a 30-year term. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. Rates shown are for informational purposes only and are based on a single-family detached, owner-occupied property located in California with a qualified borrower. Not all borrowers will qualify. Certain rate and/or point adjustments may apply depending on loan features and borrower's credit. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.

Savings Rate Sheet

Rates accurate as of
and subject to change

View complete savings rate sheet

Certificate Specials

  Minimum Initial Deposit Term Dividend Rate APY

Other Certificates

  Minimum Initial Deposit Term Dividend Rate APY

Certificates

Term $500-$24,999.99 $25,000+
In Months Dividend Rate APY Dividend Rate APY

Other IRA & CESA Options

Minimum Initial Deposit Minimum Balance Dividend Rate APY

Savings

Minimum Initial Deposit Minimum Balance Dividend Rate APY

Money Market Accounts

Minimum Initial Deposit Minimum Balance Dividend Rate APY
 

Checking

Minimum Initial Deposit Minimum Balance Dividend Rate APY
APY = Annual Percentage Yield. Dividend rates are prospective and subject to change. Fees may reduce earnings on accounts. Non-Dividend Earning Savings Accounts and Business Non-Dividend Savings Accounts are available upon request, and requires a $5 minimum initial deposit. For current dividend rates, tiers, and product offerings, call (916) 979-7233 or (800) SEE-SAFE, or visit SAFE's website: www.safecu.org.
NCUA logo Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Your IRA funds are insured separately up to $250,000 by the NCUA.
To learn more about share insurance protection, refer to NCUA's "Your Insured Funds" brochure available at any SAFE branch or visit www.mycreditunion.gov . * Indicates rate change from last publication.

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