Credit union · NCUA insured
SAFE Federal Credit Union
A $2B credit union, the 269th largest of 4,329, headquartered in Sumter, SC, with 140,790 members and 21 branches in South Carolina. Best rates: CDs 4.25% and savings 0.95% APY.
SAFE Federal Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#12 of 27 in Columbia, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SAFE Federal Credit Union
SAFE Federal Credit Union is a not-for-profit credit union founded in 1955 by fifteen Shaw Air Force Base civilian employees in Sumter County.
The credit union serves a seven-county service area across South Carolina with 18 branch locations throughout the Midlands.
- Headquarters
- 160 W Wesmark Blvd, Sumter, SC 29150-1964
- NCUA charter
- 9988
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals whose address falls within an approved census tract in Lexington County, Richland County, or Kershaw County are eligible for membership.
- Individuals who live, work, worship, or go to school in Clarendon County, Florence County, Lee County, or Sumter County are eligible for membership.
Employers and groups
- Employees and affiliates of organizations with Select Employee Group (SEG) status with SAFE are eligible for membership.
Family and household
- Immediate family members of individuals employed by or affiliated with a Select Employee Group (SEG) are eligible for membership.
Branches
21 branches in South Carolina
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South Carolina
21 branches
Columbia area · 10
- Camden407 Rutledge St, Camden, SC 29020Directions
- Garners Ferry7851 Garners Ferry Rd, Columbia, SC 29209Directions
- Sandhill Station727 Fashion Dr, Columbia, SC 29229Directions
- St. Andrews595 Saint Andrews Rd, Columbia, SC 29210Directions
- Eastover Mill4001 McCords Ferry Rd, Eastover, SC 29044Directions
- Irmo10600 Broad River Rd, Irmo, SC 29063Directions
- Lexington5388 Augusta Rd, Lexington, SC 29072Directions
- Red Bank110 Brevard Pkwy, Lexington, SC 29073Directions
- Lugoff624 Highway 1 S, Lugoff, SC 29078Directions
- West Columbia201 N 12th St, West Columbia, SC 29169Directions
Sumter area · 8
- AdminMain office160 W Wesmark Blvd, Sumter, SC 29150Directions
- Shaw Branch522 Exchange St, Shaw AFB, SC 29152Directions
- Lewis Road1855 Lewis Rd, Sumter, SC 29154Directions
- McCrays1970 McCrays Mill Rd, Sumter, SC 29150Directions
- Operations185 W Wesmark Blvd, Sumter, SC 29150Directions
- Oswego65 Oswego Hwy, Sumter, SC 29150Directions
- Sumter City12 W Liberty St, Sumter, SC 29150Directions
- Sumter- Wesmark170 W Wesmark Blvd, Sumter, SC 29150Directions
Bishopville area · 1
- Bishopville596 Sumter Hwy, Bishopville, SC 29010Directions
Florence area · 1
- Florence1319 2nd Loop Rd, Florence, SC 29505Directions
Manning area · 1
- Manning2436 Paxville Hwy, Manning, SC 29102Directions
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 | 10.97% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.27% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $79 | $88 | — |
- CapitalNet worth ratio10.97%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.27%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$79Peers’ 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.