Credit union · NCUA insured
Safe 1 Credit Union Savings Rates
Safe 1 Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How Safe 1 Credit Union’s savings 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
1.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Savings
Top rate
Edwards Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $350
2nd-highest rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
Safe 1 Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.25%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Safe 1 Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
Up to 1.00%APY
Minimum balance $2,500. $2,500 minimum opening deposit. $2,500 minimum required to earn dividends. Dividends paid monthly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999RELATIONSHIP REWARDS! tier. | 1.00% | — | RELATIONSHIP REWARDS! tier. |
| $2,500 – $9,999Standard rate tier. Minimum $2,500 required to earn dividends. | 0.50% | — | Standard rate tier. Minimum $2,500 required to earn dividends. |
| $10,000 – $24,999RELATIONSHIP REWARDS! tier. | 1.00% | $100 | RELATIONSHIP REWARDS! tier. |
| $10,000 – $24,999Standard rate tier. | 0.50% | $50 | Standard rate tier. |
| $25,000 – $49,999RELATIONSHIP REWARDS! tier. | 1.00% | — | RELATIONSHIP REWARDS! tier. |
| $25,000 – $49,999Standard rate tier. | 0.50% | — | Standard rate tier. |
| $50,000 – $99,999RELATIONSHIP REWARDS! tier. | 1.75% | — | RELATIONSHIP REWARDS! tier. |
| $50,000 – $99,999Standard rate tier. | 0.75% | — | Standard rate tier. |
| $100,000 – $249,999RELATIONSHIP REWARDS! tier. | 2.25% | — | RELATIONSHIP REWARDS! tier. |
| $100,000 – $249,999Standard rate tier. | 1.25% | — | Standard rate tier. |
| $250,000 and upRELATIONSHIP REWARDS! tier. | 3.25% | — | RELATIONSHIP REWARDS! tier. |
| $250,000 and upStandard rate tier. | 2.25% | — | Standard rate tier. |
Sources (2)
All captured Oct 6, 2026
Share Savings
0.05%APY
Access to online banking, Safe 1 mobile app, complimentary statements or eDocuments, and free ATM Card with access to surcharge-free ATMs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid quarterly. Rate is variable. Minimum balance of $50.00 required to earn dividends.$50 and up | 0.05% | $5 | Dividends paid quarterly. Rate is variable. Minimum balance of $50.00 required to earn dividends. |
Special-purpose accounts
Individual Retirement Account (IRA) Club
0.15%APY
Available in Traditional IRA, Roth IRA, Rollover IRA, and Coverdell Education Savings Account forms. Withdraw funds at any time without penalty. No annual fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends paid monthly. Rate is variable. Minimum balance of $50.00 required to earn dividends.$50 and up | 0.15% | $15 | Dividends paid monthly. Rate is variable. Minimum balance of $50.00 required to earn dividends. |
Sources (2)
All captured Oct 16, 2026
Club Account
0.05%APY
Special accounts for specific purposes such as holidays, vacation, taxes, etc. Open an account with just $5. Automatically receive Christmas Club Account funds in time for gift purchases before the holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on all balances ($0.00 minimum to earn dividend). Rate is variable.Any balance | 0.05% | $5 | Dividends paid quarterly on all balances ($0.00 minimum to earn dividend). Rate is variable. |
Who can join Safe 1 Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.