Safe 1

bakersfield, California
Last verified: July 9, 2026

As of July 9, 2026, Safe 1 offers a 30-year-fixed mortgage at 6% APR (6% rate, 0 points). Auto loans available from 4.99% APR. HELOC rates from 6.25% APR. Personal loan rates from 6.5% APR.

Source: RateAPI.dev, verified from Safe 1's official website

Mortgage Rates

Rates as of July 9, 2026

30-year-fixed
6.000% APR
Rate6.000%
Points0
30-Year Fixed Mortgage Rates
30-year-fixed
6.085% APR
Rate6.000%
Points0
30-Year Fixed Rate
15-year-fixed
5.640% APR
Rate5.500%
Points0
15-Year Fixed Rate
cd_11mo
1.250% APR
Rate1.240%
Points0
Certificate 6 - 11 Months
ira_cd_11mo
1.250% APR
Rate1.240%
Points0
IRA Certificate 6 - 11 Months
money_market
1.250% APR
Rate1.240%
Points0
Money Market Savings ($100,000 - $249,999)
cd_23mo
1.750% APR
Rate1.740%
Points0
Certificate 12 - 23 Months
ira_cd_23mo
1.750% APR
Rate1.740%
Points0
IRA Certificate 12 - 23 Months
cd_24mo
2.000% APR
Rate1.980%
Points0
24-Month Bump-Up Certificate
money_market
2.250% APR
Rate2.220%
Points0
Money Market Savings ($250,000 and over)
ira_cd_20mo
3.000% APR
Rate2.960%
Points0
20-Month IRA Certificate
ira
3.000% APR
Rate2.960%
Points0
24-Month IRA Bump-Up
cd_15mo
3.500% APR
Rate3.440%
Points0
15-Month Special Certificate
cd_7mo
3.750% APR
Rate3.690%
Points0
7-Month Special Certificate
cd_12mo
3.770% APR
Rate3.710%
Points0
12-Month Variable Rate Certificate
savings
5.000% APR
Rate5.000%
Points0
Checking
savings
5.000% APR
Rate5.000%
Points0
Club Account
money_market
5.000% APR
Rate5.000%
Points0
Money Market Savings ($2,500 - $9,999)
share_savings
5.000% APR
Rate5.000%
Points0
Share Savings
10-year-fixed
5.448% APR
Rate5.250%
Points0
10-Year Fixed Rate
20-year-fixed
6.750% APR
Rate6.750%
Points0
20-Year Fixed Rate

Auto Loan Rates

Rates as of July 9, 2026

auto_new
4.990% APR
Rate4.990%
New Auto (2022 or newer)
auto_used
5.240% APR
Rate5.240%
Used Auto (2021 or older)
auto_new
6.240% APR
Rate6.240%
New Motorcycle
auto_new
6.740% APR
Rate6.740%
New Recreational Vehicle
auto_used
7.240% APR
Rate7.240%
Used Motorcycle
auto_used
7.240% APR
Rate7.240%
Used Recreational Vehicle
credit_card_platinum
11.250% APR
Rate11.250%
Mastercard Platinum
credit_card_rewards
13.250% APR
Rate13.250%
Mastercard Platinum Rewards

HELOC Rates

Rates as of July 9, 2026

heloc_variable
6.250% APR
Rate6.250%
Home Equity Line of Credit (HELOC)
heloc_fixed
6.750% APR
Rate6.750%
20-Year Fixed Rate (Home Equity)

Personal Loan Rates

Rates as of July 9, 2026

personal
6.500% APR
Rate6.500%
12-Year Fixed Rate (Home Improvement)
personal
6.500% APR
Rate6.500%
12-Year Fixed Rate* (Home Improvement Loan)
personal_unsecured
7.900% APR
Rate7.900%
Personal Loan
personal
14.490% APR
Rate14.490%
Overdraft Loan
ploc_variable
14.490% APR
Rate14.490%
Personal Line of Credit

Frequently Asked Questions

What rates does Safe 1 offer?

Safe 1 currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Safe 1 rates updated?

RateAPI verifies Safe 1's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Safe 1's rate data?

Rate data is collected directly from Safe 1's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Safe 1's mortgage rate?

As of July 9, 2026, Safe 1 offers a 30-year-fixed mortgage at 6% APR.

What is Safe 1's auto loan rate?

As of July 9, 2026, Safe 1 offers auto loans from 4.99% APR.

Related Rate Data

Compare Safe 1's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Safe 1
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  -H "Authorization: Bearer YOUR_API_KEY"
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