Credit union · NCUA insured
Safe 1 Credit Union CD Rates
Safe 1 Credit Union’s best CD rate is 4.25% APY on a 7-month share certificate (CD), with extra requirements. Terms run from 3 months to 2 years. Rates checked October 16, 2026.
How Safe 1 Credit Union’s CD rates compare
Compared with banks and credit unions near Bakersfield, CA, where Safe 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Safe 1 Credit Union
4.25%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $246
Certificates
Top rate
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.25%APY · 7 terms
Dividends paid monthly. $1,000 minimum opening deposit and $1,000 minimum required to earn dividends. Certificate rates are fixed for the stated term (except variable-rate certificates) and are subject to penalties for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsFixed rate type | 1.00% | $25 |
| 3–5 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 1.50% | $37 |
| 6–11 monthsFixed rate type | 1.25% | $62 |
| 6–11 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 1.75% | $87 |
| 7 months7-Month Special Certificate. Fixed rate type | 3.75% | $217 |
| 7 months7-Month Special Certificate. Fixed rate type. Requires qualifying for Relationship Rewards! | 4.25% | $246 |
| 12 months12-Month Variable Rate Certificate. Variable rate type | 3.92% | $392 |
| 12–23 monthsFixed rate type | 1.75% | $175 |
| 12–23 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 2.25% | $225 |
| 15 months15-Month Special Certificate. Fixed rate type | 3.50% | $439 |
| 15 months15-Month Special Certificate. Fixed rate type. Requires qualifying for Relationship Rewards! | 4.00% | $502 |
| 24 months24-Month Bump-Up. Variable rate type. Allows for a one-time request to increase the dividend rate (and corresponding Annual Percentage Yield) to the then-current rate being paid, which will remain in effect for the remaining Certificate term | 2.00% | $404 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 3.50%APY · 5 terms
Available in Traditional IRA, Roth IRA, Rollover IRA, and Coverdell Education Savings Account formats. No annual fee. Dividends paid monthly. $1,000 minimum opening deposit and $1,000 minimum required to earn dividends. Certificate rates are fixed for the stated term (except variable-rate certificates) and subject to penalties for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–5 monthsFixed rate type | 1.00% | $25 |
| 3–5 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 1.50% | $37 |
| 6–11 monthsFixed rate type | 1.25% | $62 |
| 6–11 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 1.75% | $87 |
| 12–23 monthsFixed rate type | 1.75% | $175 |
| 12–23 monthsFixed rate type. Requires qualifying for Relationship Rewards! | 2.25% | $225 |
| 20 months20-Month IRA Certificate. Fixed rate type | 3.00% | $505 |
| 20 months20-Month IRA Certificate. Fixed rate type. Requires qualifying for Relationship Rewards! | 3.50% | $590 |
| 24 months24-Month Bump-Up. Variable rate type. Allows for a one-time request to increase the dividend rate (and corresponding Annual Percentage Yield) to the then-current rate being paid, which will remain in effect for the remaining Certificate term | 3.00% | $609 |
Sources (2)
All captured Oct 16, 2026
Who can join Safe 1 Credit Union
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