SAFE Federal Credit Union Savings & Money Market Rates

How SAFE Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Columbia, SC, where SAFE Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
SAFE Federal Credit Union
0.95%APY
Requires
None
Minimum
$0.01
Earns on $10,000 a year
$95
Money Market Checking
Top rate
MTC Federal Credit Union
3.50%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$350
MTC Federal Credit Union rates
2nd-highest rate
Caro Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$25
Earns on $10,000 a year
$300
Caro Federal Credit Union rates

Compare savings rates near you →

Savings score

Higher than 68% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.95%
$10,000 balance$10,0000.95%
$100,000 balance$100,0001.65%
QualifiedQualified0.95%

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.

How the score works →

Where SAFE Federal 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.

Money Market Checking

0.95%APY$0.01 to open

Membership savings account required ($5 par value). Variable-rate account; rate may change after opening. Dividends compounded and credited monthly using the Average Daily Balance method. Limit of six withdrawals per month in person or by mail request.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum average daily balance to earn APY is $0.01. Rate is variable. No monthly service charges.	0.95%	$95	Minimum average daily balance to earn APY is $0.01. Rate is variable. No monthly service charges.
$25,000 – $50,000Minimum average daily balance to earn APY is $25,000.01. Rate is variable. No monthly service charges.	1.25%	—	Minimum average daily balance to earn APY is $25,000.01. Rate is variable. No monthly service charges.
$50,000 – $100,000Minimum average daily balance to earn APY is $50,000.01. Rate is variable. No monthly service charges.	1.65%	—	Minimum average daily balance to earn APY is $50,000.01. Rate is variable. No monthly service charges.
$100,000 – $250,000Minimum average daily balance to earn APY is $100,000.01. Rate is variable. No monthly service charges.	2.30%	—	Minimum average daily balance to earn APY is $100,000.01. Rate is variable. No monthly service charges.
$250,000 – $500,000Minimum average daily balance to earn APY is $250,000.01. Rate is variable. No monthly service charges.	2.45%	—	Minimum average daily balance to earn APY is $250,000.01. Rate is variable. No monthly service charges.
Over $500,000Minimum average daily balance to earn APY is $500,000.01. Rate is variable. No monthly service charges.	2.70%	—	Minimum average daily balance to earn APY is $500,000.01. Rate is variable. No monthly service charges.

Sources (3)

All captured Oct 4, 2026

Flexible Savings

0.15%APY$1 to open

Secondary savings account option. Variable rate account. Dividends compounded daily and credited monthly using the daily balance computation method. Only one withdrawal permitted per month; a $1.00 fee applies to each withdrawal exceeding the monthly limit. Six Regulation D transfers permitted per month. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Dividends compounded daily and credited monthly using the daily balance computation method. Only one withdrawal permitted per month ($1 fee per additional withdrawal). Minimum balance to earn dividends is $0.01.Over $0	0.15%	$15	Dividends compounded daily and credited monthly using the daily balance computation method. Only one withdrawal permitted per month ($1 fee per additional withdrawal). Minimum balance to earn dividends is $0.01.

Sources (4)

All captured Oct 4, 2026

Regular Savings

0.10%APY$5 to open

Membership savings account required (par value $5.00). Variable rate account subject to change without notice. Dividends compounded on average daily balance and credited quarterly. Up to six Regulation D transfers permitted per month. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Dividends calculated on average daily balance and credited quarterly. Minimum balance to earn dividends is $0.01. Six Regulation D transfers allowed per month.Over $0	0.10%	$10	Dividends calculated on average daily balance and credited quarterly. Minimum balance to earn dividends is $0.01. Six Regulation D transfers allowed per month.

Sources (4)

All captured Oct 4, 2026

Special-purpose accounts

Holiday Club Savings

0.25%APYClub$1 to open

Short-term savings account for vacation or holiday expenses. Variable rate account. Dividends compounded on average daily balance and credited quarterly. Up to six Regulation D transfers permitted per month. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Dividends compounded and credited quarterly based on average daily balance. Minimum balance to earn dividends is $0.01. Six Regulation D transfers allowed per month.Over $0	0.25%	$25	Dividends compounded and credited quarterly based on average daily balance. Minimum balance to earn dividends is $0.01. Six Regulation D transfers allowed per month.

Sources (4)

All captured Oct 4, 2026

Coverdell Education Savings

0.15%APYIRA$1 to open

Coverdell Educational Savings Account (ESA) to save for qualified education expenses. Maximum annual deposit of $2,000 per child. Contributions cannot be made after child reaches age 18, and full distribution of funds is required before age 30. 10% penalty tax applies on non-qualified early withdrawals. Dividends compounded daily and credited monthly using daily balance method.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Dividends compounded daily and credited monthly using the daily balance computation method. Minimum balance to earn dividends is $0.01. Maximum annual deposit of $2,000 per child. Funds must be distributed before age 30.Over $0	0.15%	$15	Dividends compounded daily and credited monthly using the daily balance computation method. Minimum balance to earn dividends is $0.01. Maximum annual deposit of $2,000 per child. Funds must be distributed before age 30.

Sources (3)

All captured Oct 4, 2026

IRA Accumulator

0.15%APYIRA$1 to open

Individual Retirement Account savings accumulator available as Traditional or Roth IRA. Maximum annual contribution is $7,500 (increases to $8,600 at age 50 or older). Dividends compounded daily and credited monthly using daily balance method. 10% IRS penalty tax may apply for early non-qualified withdrawals before age 59 1/2. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Dividends compounded daily and credited monthly using the daily balance computation method. Minimum balance to earn dividends is $0.01. Available in Traditional or Roth IRA structure. Tax penalties may apply for early withdrawals.Over $0	0.15%	$15	Dividends compounded daily and credited monthly using the daily balance computation method. Minimum balance to earn dividends is $0.01. Available in Traditional or Roth IRA structure. Tax penalties may apply for early withdrawals.

Sources (4)

All captured Oct 4, 2026

Health Savings Account (HSA)

0.10%APYHSA

Health Savings Account (HSA) savings option for individuals with a high-deductible health plan (HDHP) to save pre-tax money for qualified medical expenses. Unspent balances roll over year to year. Dividends compounded and credited quarterly using average daily balance method. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Must be enrolled in a high-deductible health plan (HDHP). No minimum opening deposit ($0.00). Minimum balance to earn dividends is $0.01. Dividends compounded and credited quarterly using average daily balance method.Over $0	0.10%	$10	Must be enrolled in a high-deductible health plan (HDHP). No minimum opening deposit ($0.00). Minimum balance to earn dividends is $0.01. Dividends compounded and credited quarterly using average daily balance method.

Sources (3)

All captured Oct 4, 2026

Millionaires of Tomorrow Youth Savings

0.10%APYKids and teens$5 to open

Youth savings account for members age 0 through 12 (under 13 years of age). Includes a free gift upon opening. Variable rate account. Dividends compounded and credited quarterly using average daily balance computation method. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Exclusively for members age 0 through 12. Dividends compounded and credited quarterly using the average daily balance method. Minimum balance to earn dividends is $0.01.Over $0	0.10%	$10	Exclusively for members age 0 through 12. Dividends compounded and credited quarterly using the average daily balance method. Minimum balance to earn dividends is $0.01.

Sources (4)

All captured Oct 4, 2026

U29 Account Savings

0.10%APYKids and teens$5 to open

Savings account for young adult members aged 18 through 29. Variable rate account. Dividends compounded and credited quarterly using average daily balance method. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Exclusively for members aged 18 through 29. Dividends compounded and credited quarterly using average daily balance method. Minimum balance to earn dividends is $0.01.Over $0	0.10%	$10	Exclusively for members aged 18 through 29. Dividends compounded and credited quarterly using average daily balance method. Minimum balance to earn dividends is $0.01.

Sources (3)

All captured Oct 4, 2026

Y Savings Account

0.10%APYKids and teens$5 to open

Youth savings account exclusively for teen members aged 13 through 17. Variable rate account. Dividends compounded and credited quarterly using average daily balance method. Insured up to $250,000 by NCUA.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Exclusively for members aged 13 through 17. Dividends compounded and credited quarterly using average daily balance method. Minimum balance to earn dividends is $0.01.Over $0	0.10%	$10	Exclusively for members aged 13 through 17. Dividends compounded and credited quarterly using average daily balance method. Minimum balance to earn dividends is $0.01.

Sources (5)

All captured Oct 4, 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.

Check membership requirements ↗Branches and institution details

← SAFE Federal Credit Union overview

How SAFE Federal Credit Union’s savings rates compare

SAFE Federal Credit Union savings score

Current savings rates

Money Market Checking

Flexible Savings

Regular Savings

Special-purpose accounts

Holiday Club Savings

Coverdell Education Savings

IRA Accumulator

Health Savings Account (HSA)

Millionaires of Tomorrow Youth Savings

U29 Account Savings

Y Savings Account

Who can join SAFE Federal Credit Union

Where you live or work

Employers and groups

Family and household