Credit union · NCUA insured
SAFE Credit Union Savings Rates
SAFE Credit Union’s best savings rate is 0.85% APY on $10,000, with its Level Up Money Market. Rates checked October 16, 2026.
How SAFE Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $85
Level Up Money Market
Top rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
SAFE Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.87%
- QualifiedQualified0.85%
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 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.
Level Up Money Market
0.85%APY
Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.85% | — | Tier: under $10,000. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $10,000 – $25,000Tier: $10,000 - $24,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.85% | $85 | Tier: $10,000 - $24,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $25,000 – $50,000Tier: $25,000 - $49,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 1.36% | — | Tier: $25,000 - $49,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $50,000 – $100,000Tier: $50,000 - $99,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 1.61% | — | Tier: $50,000 - $99,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $100,000 – $250,000Tier: $100,000 - $249,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 1.87% | — | Tier: $100,000 - $249,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $250,000 and upTier: $250,000 & over. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 2.22% | — | Tier: $250,000 & over. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
Sources (2)
All captured Oct 16, 2026
Preferred Money Market
0.33%APY on $10,000
Tiered-rate structure where dividend rate is paid only on the portion of the balance that falls within each specified tier. Limit one Preferred Money Market Account per member. $12 monthly fee waived if average daily balance is $2,000 or more, or for Capitol Club.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 1.25% |
| $2,000 – $50,000 | 0.10% |
| $50,000 – $100,000 | 0.20% |
| $100,000 – $250,000 | 0.20% |
| $250,000 – $500,000 | 0.25% |
| $500,000 and up | 0.35% |
On $10,000 the tiers blend to about 0.33% APY, earning $33 a year.
Sources (2)
All captured Oct 16, 2026
Capitol Access Money Market
0.10%APY
Earns highest dividend rate for which daily balance qualifies on entire account balance. Dividends paid monthly. Variable rate changes monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier: under $2,000. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.05% | — | Tier: under $2,000. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $2,000 – $10,000Tier: $2,000 - $9,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.05% | — | Tier: $2,000 - $9,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $10,000 – $25,000Tier: $10,000 - $24,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.10% | $10 | Tier: $10,000 - $24,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $25,000 – $50,000Tier: $25,000 - $49,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.10% | — | Tier: $25,000 - $49,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $50,000 – $100,000Tier: $50,000 - $99,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.10% | — | Tier: $50,000 - $99,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $100,000 – $200,000Tier: $100,000 - $199,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.10% | — | Tier: $100,000 - $199,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $200,000 – $500,000Tier: $200,000 - $499,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.10% | — | Tier: $200,000 - $499,999.99. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
| $500,000 and upTier: $500,000 & over. Earns highest dividend rate for which daily balance qualifies on entire account balance. | 0.15% | — | Tier: $500,000 & over. Earns highest dividend rate for which daily balance qualifies on entire account balance. |
Sources (2)
All captured Oct 16, 2026
Share Savings
0.12%APY on $10,000
Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more, or for members under age 21, or for active Perfect Cents Savings savers with at least 1 transfer during the month. Dividends paid monthly. Variable rate changes monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.70% |
| $1,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.12% APY, earning $12 a year.
Sources (2)
All captured Oct 16, 2026
Special Purpose Share Savings
0.05%APY
You-Name-It feature to name account and track specific goals. Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more or for members under age 21. Dividends paid monthly. Variable rate changes monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePromotional APY does not apply. Low-balance monthly service fee of up to $5 waived if month-end balance equals $5 or more.Any balance | 0.05% | $5 | Promotional APY does not apply. Low-balance monthly service fee of up to $5 waived if month-end balance equals $5 or more. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.25%APY
Available for Traditional IRA and Roth IRA accounts. Variable rate changes monthly. Dividends paid monthly. Deposits accepted at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Balance tier: under $100,000. | 0.25% | $25 | Balance tier: under $100,000. |
| $100,000 – $200,000Balance tier: $100,000 - $199,999.99. | 0.30% | — | Balance tier: $100,000 - $199,999.99. |
| $200,000 and upBalance tier: $200,000 & over. | 0.35% | — | Balance tier: $200,000 & over. |
Sources (2)
All captured Oct 16, 2026
Young Member Savings
0.12%APY on $10,000
For members ages 6–17. Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more or for members under age 21. Dividends paid monthly. Variable rate changes monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 0.70% |
| $1,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.12% APY, earning $12 a year.
Sources (2)
All captured Oct 16, 2026
Kids Club Savings
0.05%APY
For children ages 12 and under. Includes monthly newsletter. Low-balance monthly service fee of up to $5 is waived for members under age 21. Dividends paid monthly. Variable rate changes monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard rate. Monthly service fee waived for members under age 21.Any balance | 0.05% | $5 | Standard rate. Monthly service fee waived for members under age 21. |
Sources (2)
All captured Oct 16, 2026
Who can join SAFE Credit Union
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