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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Safe 1 Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 11, 2026
Safe 1 Credit Union's 12- Month Variable Rate CD rates are at 3.77%, 7-Month Special CD rates are at 3.75%, 15-Month Special CD rates are at 3.50%, Individual Retirement Account (IRA) CDs 20-Month Relationship Rewards rates are at 3.50%, Individual Retirement Account (IRA) CDs 20-Month rates are at 3.00%. Safe 1 Credit Union's savings rates are at 0.05%. Safe 1 Credit Union's 10-Year Fixed Rate rates are at 5.00%, 15-Year Fixed Rate rates are at 5.25%, 20-Year Fixed Rate rates are at 5.50%, 30-Year Fixed Rate rates are at 5.75%, 20-Year Fixed Rate rates are at 6.75%. Safe 1 Credit Union's Personal Loan Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Safe 1 Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.48%. Rates were last updated on 03/11/2026. Safe 1 Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Safe 1 Credit Union? Share your experience about Safe 1 Credit Union by leaving a review below, or read customer reviews before you decide to use Safe 1 Credit Union. 
Safe 1 Credit Union CD Rates
Safe 1 Credit Union Savings Rates
Safe 1 Credit Union Checking Rates
Safe 1 Credit Union Mortgage Rates
Safe 1 Credit Union Home Equity & HELOC
Safe 1 Credit Union Credit Card Rates
Safe 1 Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Safe 1 Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Safe 1 Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Safe 1 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Safe 1 Credit Union
Website
https://safe1.org
Address
1400 Mill Rock Way,
Bakersfield, CA 93311
Phone
661-327-3818
Fax
661-663-8539
President
Dawn Cole
CEO
David King
Full-Time Employees
137
Part-Time Employees
6
Branch Locations
10
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.48%
Return on Assets (ROA)
1.2438%
Return on Equity (ROE)
7.9295%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
1,082,730,423
Total Amount of Shares and Deposits
906,977,179
Total Shares and Deposits < 1 Year
867,159,540
Total Shares and Deposits 1 3 Years
39,817,638
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,602,629
Total Uninsured Shares and Deposits > $250K (F+J)
14,602,629
Total Insured Shares and Deposits > $250K (item 17 less item K)
892,374,550
Total Interest Expense (Sum of items 6 8)
10,651,596
Share Certificates
7,556
Number of Accounts for Share Drafts
52,378
IRA KEOGH Accounts
1,066
Number of Accounts for Regular Shares
100,038
Money Market Shares
809
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
108,664,460
Total Liabilities
914,040,005
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Safe 1 Credit UnionIs Safe 1 Credit Union a safe place to deposit money?Yes, Safe 1 Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4810674389902%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Safe 1 Credit Union operate?Safe 1 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Safe 1 Credit Union?Yes, to access services at Safe 1 Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Safe 1 Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Safe 1 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Safe 1 Credit Union offer online and mobile banking?Most modern institutions like Safe 1 Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://safe1.org. Current Safe 1 Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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