Credit union · NCUA insured
SAFE Federal Credit Union Credit Card Rates
SAFE Federal Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How SAFE Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Columbia, SC, where SAFE Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SAFE Federal Credit Union
12.49%APR
- Up to
- 18.00% APR
Visa Platinum Rewards Credit Card
Lowest rate
Mid Carolina Credit Union
7.45%APR
- Up to
- 18.00% APR
2nd-lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
SAFE Federal Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SAFE Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Low-Rate Visa Credit Card
No Annual Fee. $500 Minimum Credit Line. Variable APR based on Wall Street Journal prime rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–18.00% | None | Standard variable APR based on creditworthiness and Wall Street Journal prime rate. |
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 billing cycles on purchases after a new account is opened. |
| Intro, 12 months | 1.99% | None | 1.99% promotional APR for the first 12 billing cycles on balance transfers after a new account is opened. |
Sources (1)
- safefed.org/cards-loans/credit-cards · captured Oct 15, 2026
Rewards Visa Credit Card
No Annual Fee. $500 Minimum Credit Line. CU Rewards—Cashback points on every purchase. Variable APR based on creditworthiness and Wall Street Journal prime rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–18.00% | None | Standard variable APR based on creditworthiness and Wall Street Journal prime rate. Overview lists 12.74%-18.00% APR. |
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 billing cycles on purchases after a new account is opened. |
| Intro, 12 months | 1.99% | None | Special 1.99% APR during introductory period (first 12 billing cycles) on balance transfers after a new account is opened. |
Sources (1)
- safefed.org/cards-loans/credit-cards · captured Oct 15, 2026
Visa Platinum Low Rate
Variable APR based on Wall Street Journal prime rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | As low as rate listed on rates schedule. Variable APR based on creditworthiness and Wall Street Journal prime rate. |
Visa Platinum Rewards
Variable APR based on Wall Street Journal prime rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | As low as rate listed on rates schedule table. Variable APR based on creditworthiness and Wall Street Journal prime rate. |
Visa Platinum Rewards Credit Card
Variable rate based on credit worthiness and prime rate (Wall Street Journal prime). Penalty APR 18%00% applies if late payment, over limit, or returned payment.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | — |
| Intro, 12 months | 0.00% | None | 0.00% APR for first 12 billing cycles on purchases. |
| Intro, 12 months | 1.99% | None | 1.99% APR for first 12 billing cycles on balance transfers. |
Sources (1)
- safefed.org/ready-credit-card · captured Sep 19, 2026
Who can join SAFE Federal Credit Union
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.
Membership information collected October 4, 2026.