Credit union · NCUA insured
SAFE Credit Union CD Rates
SAFE Credit Union’s best CD rate is 3.45% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How SAFE Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where SAFE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SAFE Credit Union
3.45%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $171
6 Month Certificate Special
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
SAFE Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo2.68%
- 31–60 months31–60 mo3.20%
- QualifiedQualified3.45%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
6 Month Certificate Special
3.45%APY · 1 term
Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
Sources (1)
- safecu.org/rates-disclosures/safe-savings-rates · captured Oct 16, 2026
Term Certificate
Up to 3.20%APY · 8 terms
Dividends paid monthly. Early withdrawal penalties may apply. Automatically renews at maturity. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal. Certificates with a term not shown renew to the closest term not exceeding the existing term.
| Term | APY · $500 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.92% | 1.92% | 1.92%1.92% from $25k | $48 |
| 6 months | 1.92% | 2.27% | 1.92%2.27% from $25k | $96 |
| 12 months | 2.43% | 2.58% | 2.43%2.58% from $25k | $243 |
| 18 months | 2.43% | 2.58% | 2.43%2.58% from $25k | $367 |
| 24 months | 2.68% | 2.94% | 2.68%2.94% from $25k | $543 |
| 36 months | 2.94% | 3.04% | 2.94%3.04% from $25k | $908 |
| 48 months | 3.04% | 3.09% | 3.04%3.09% from $25k | $1,273 |
| 60 months | 3.20% | 3.25% | 3.20%3.25% from $25k | $1,706 |
Sources (2)
All captured Oct 16, 2026
12 Month Certificate Special
3.04%APY · 1 term
Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.04% | $304 |
Sources (1)
- safecu.org/rates-disclosures/safe-savings-rates · captured Oct 16, 2026
Bump Up Certificate
Up to 2.68%APY · 2 terms
If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.43% | $243 |
| 24 months | 2.68% | $543 |
Sources (2)
All captured Oct 16, 2026
Add On Certificate
2.43%APY · 1 term
Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.43% | $243 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA 6 Month Certificate Special
3.45%APY · 1 term
Available for Traditional IRA, Roth IRA, SEP IRA, and CESA. Certificate will roll over to a standard Certificate at non-promotional dividend rate in effect at time of maturity based on term and renewal balance. Dividends paid monthly. Penalties for early withdrawal may apply. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
Sources (2)
All captured Sep 16, 2026
IRA Certificate
Up to 3.20%APY · 8 terms
Available for Traditional IRA, Roth IRA, SEP IRA, and CESA. Dividends paid monthly. Early withdrawal penalties may apply. Automatically renews at maturity. Capitol Club members may receive a 0.25% premium dividend rate increase effective the day after opening or renewal. Certificates with a term not shown renew to the closest term not exceeding the existing term.
| Term | APY · $500 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.92% | 1.92% | 1.92%1.92% from $25k | $48 |
| 6 months | 1.92% | 2.27% | 1.92%2.27% from $25k | $96 |
| 12 months | 2.43% | 2.58% | 2.43%2.58% from $25k | $243 |
| 18 months | 2.43% | 2.58% | 2.43%2.58% from $25k | $367 |
| 24 months | 2.68% | 2.94% | 2.68%2.94% from $25k | $543 |
| 36 months | 2.94% | 3.04% | 2.94%3.04% from $25k | $908 |
| 48 months | 3.04% | 3.09% | 3.04%3.09% from $25k | $1,273 |
| 60 months | 3.20% | 3.25% | 3.20%3.25% from $25k | $1,706 |
Sources (2)
All captured Oct 16, 2026
IRA Bump Up Certificate
Up to 2.68%APY · 2 terms
Available for Traditional IRA, Roth IRA, SEP IRA, and CESA. If a higher non-promotional Bump Up rate becomes available, you may request to change the rate once during term. New rate is applied for remaining term. Penalty-free automatic transfers to a SAFE account allowed on the 1st of each month, providing the transfers will not deplete the certificate prior to maturity. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.43% | $243 |
| 24 months | 2.68% | $543 |
Sources (2)
All captured Oct 16, 2026
IRA Add On Certificate
2.43%APY · 1 term
Flexibility of making monthly deposits. Available for Traditional IRA, Roth IRA, SEP IRA, and CESA. Deposits accepted at any time. One penalty-free withdrawal up to 50% of balance. Dividends paid monthly. Certificate penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.43% | $243 |
Sources (2)
All captured Oct 16, 2026
Who can join SAFE Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.