--- title: "Safe 1 Credit Union Rates (Nov 2026): CDs to 3.92%" description: "Safe 1 Credit Union rates today: savings & CDs up to 3.92% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Safe 1 Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/safe-1" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Safe 1 Credit Union Rates (Nov 2026): CDs to 3.92% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.500% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 5.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.250% | — | Standard | Safe 1 Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (HELOC)**/#** heloc_variable | — APR | 6.500% | — | Standard | | **12-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | Safe 1 Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **$25,000 - $49,999** savings | — APY | 0.50% | — | Standard | | **$10,000 - $24,999** savings | — APY | 0.50% | — | Standard | | **$2,500 - $9,999** savings | — APY | 0.50% | — | Standard | | **$50,000 - $99,999** savings | — APY | 0.75% | — | Standard | | **$100,000 - $249,999** savings | — APY | 1.25% | — | Standard | | **24-Month Bump-Up** cd_24mo | 2.00% APY | 1.98% | 24 mo | Standard | | **$250,000 And Over** savings | — APY | 2.25% | — | Standard | | **24-Month Bump-Up **** cd_24mo | — APY | 2.96% | 24 mo | Standard | | **20-Month IRA Certificate** ira_cd_20mo | — APY | 2.96% | 20 mo | Standard | | **15-Month Certificate** cd_15mo | 3.50% APY | 3.44% | 15 mo | Standard | | **7-Month Certificate** cd_7mo | 3.75% APY | 3.69% | 7 mo | Standard | | **12- Month Variable Rate Certificate** cd_12mo | 3.92% APY | 3.85% | 12 mo | Standard | Safe 1 Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.92% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/safe-1) , verified from [Safe 1 Credit Union's official website](https://www.safe1.org/) Loading branch locator… ## About Safe 1 Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 89.1K Assets $1.1B Founded 1952 Locations reported 11 NCUA charter 61598 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Valley Strong** C-Tech Branch · Bakersfield · CA · 93311-8415 About 9.9 miles away](https://rateapi.dev/credit-unions/california/valley-strong) [**Strata** Branch 2-Panama · Bakersfield · CA · 93307-5680 About 12.9 miles away](https://rateapi.dev/credit-unions/california/strata) [**Energy One** Bakersfield · Bakersfield · CA · 93311 About 13.3 miles away](https://rateapi.dev/credit-unions/oklahoma/energy-one) [**Altaone** Riverwalk · Bakersfield · CA · 93311 About 13.6 miles away](https://rateapi.dev/credit-unions/california/altaone) [**Chevron** BR#210 Bakersfield · Bakersfield · CA · 93309-7077 About 15.7 miles away](https://rateapi.dev/credit-unions/california/chevron) [**Self-Help** Lamont · Lamont · CA · 93241 About 16.0 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Safe 1 Credit Union Membership eligibility from Safe 1 Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Safe 1 Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Safe 1 Credit Union's membership page](https://www.safe1.org/) . Final membership determination is always made by the credit union. ## Work at Safe 1 Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Safe 1 Credit Union ranks against California peers. - See which AI assistants fetched Safe 1 Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=safe-1&state=california&code=CA&name=Safe%201%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Safe 1 Credit Union offer? Safe 1 Credit Union currently offers mortgage, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Safe 1 Credit Union rates updated? RateAPI verifies Safe 1 Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Safe 1 Credit Union's rate data? Rate data is collected directly from Safe 1 Credit Union'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 Credit Union's best CD rate? As of November 12, 2026, Safe 1 Credit Union offers savings and certificate (CD) yields up to 3.92% APY. ### Who can join Safe 1 Credit Union? Safe 1 Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Safe 1 Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.safe1.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Safe 1 Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Safe 1 Credit Union curl "https://api.rateapi.dev/credit-unions/california /safe-1 " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Safe 1 Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/safe-1 Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp