Credit union · NCUA insured
SAFE Credit Union
A $4.5B credit union, the 108th largest of 4,329, headquartered in Folsom, CA, with 246,385 members and 18 branches in California. Best rates: CDs 3.45% and savings 0.85% APY.
SAFE Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#12 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SAFE Credit Union
- Headquarters
- 2295 Iron Point Rd, Folsom, CA 95630-8766
- NCUA charter
- 68366
Branches
18 branches in California
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California
18 branches
- Antelope7887 Walerga Rd, Antelope, CA 95843Directions
- Citrus Heights7475 Madison Ave, Citrus Heights, CA 95610Directions
- Sunrise7601 Sunrise Blvd, Citrus Heights, CA 95610Directions
- East Elk Grove9312 Elk Grove Blvd, Elk Grove, CA 95624Directions
- Laguna9162 Bruceville Rd, Elk Grove, CA 95758Directions
- Hazel5261 Hazel Ave, Fair Oaks, CA 95628Directions
- Folsom2740 E Bidwell St, Folsom, CA 95630Directions
- Granite Bay4100 Douglas Blvd, Granite Bay, CA 95746Directions
- Lincoln Crossing111 Ferrari Ranch Rd, Lincoln, CA 95648Directions
- North Highlands4636 Watt Ave, North Highlands, CA 95660Directions
- Rocklin6190 Stanford Ranch Rd, Rocklin, CA 95765Directions
- Roseville121 N Sunrise Ave, Roseville, CA 95661Directions
- West Roseville1541 Blue Oaks Blvd, Ste 100, Roseville, CA 95747Directions
- East Sacramento6341 Folsom Blvd, Sacramento, CA 95819Directions
- El Camino3560 El Camino Ave, Sacramento, CA 95821Directions
- Land Park4700 Freeport Blvd Ste 150, Sacramento, CA 95822Directions
- North Natomas2761 Del Paso Rd, Suite #110, Sacramento, CA 95835Directions
- West Sacramento2105 Town Center Plz Ste F100, West Sacramento, CA 95691Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.82% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.52% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.97% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalNet worth ratio10.82%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.52%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of SAFE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.