Banking that pays you back, not Wall Street.
Welcome to Safecu.coop — safecu.coop cooperative. Higher savings yields, lower loan rates, zero hidden fees and profit-sharing for members. 250,000+ members. $4.8B in assets. 100% people-first.
High-yield savings
Auto loans from
We are not a bank. We are your neighbors.
SAFE CU started in 1940 as Sacramento Air Depot Federal Credit Union — seven airmen pooling $150. Today safecu.coop is one of California's largest credit union cooperatives, still guided by one principle: people before profit.
Every dollar we earn goes back to you as better rates, lower fees, free education and community grants. No shareholders. No greed. Just cooperative finance that helps Sacramento thrive.
Free Checking + Instant Rewards
No monthly fees, no minimum balance, early direct deposit up to 2 days, 30k free ATMs and cashback on debit. Overdraft grace up to $50.
High-Yield Savings & CDs
3.85% APY on Advantage Savings, 5.00% APY 11-month certificate, kids' Moolah accounts, round-up savings and automated vaults.
Auto, Green & Personal Loans
Pre-approval in 60 seconds, 0.50% EV discount, GAP protection, skip-a-pay, and refinancing that saves members $3,200 on average.
Home Loans & HELOC
First-time buyer $0 down options, 15-min pre-qualify, local underwriting in Sacramento, HELOC from prime -0.50%, free home valuation.
Anyone in Sacramento can join in 5 minutes.
Live, work, worship or study in Sacramento, Placer, Yolo, El Dorado and 10 surrounding counties? You qualify. $5 share = lifetime ownership + vote.
1. Apply online
SSN + ID + $5 deposit. No hard pull to join.
2. Fund & verify
Instant micro-deposit, digital ID check.
3. Get perks day 1
Card in Apple Pay instantly, dividend payout.
NCUA insured up to $250,000 • Equal Housing Lender • NMLS #463585
Loan calculator
| Product | APY / APR | Note |
|---|---|---|
| Advantage Savings | 3.85% APY | $500 min |
| 11-mo Certificate | 5.00% APY | $1000 min |
| New Auto | 5.49% APR | +0.25% autopay off |
| Rewards Visa | 12.99% APR | No annual fee |
| 30-yr Fixed Mortgage | 6.12% APR | 0 points |
| HELOC | 7.25% APR | Intro 6 mo 5.99% |
Rates as of September 2026. Subject to credit approval. Cooperative dividends paid quarterly.
"Refinanced my truck from 11% to 5.9% in one afternoon. Saved $210/mo. They even called to congratulate me."
— Marcus T., Elk Grove"As a first-gen buyer, SAFE's coach walked me through every paper. Closed on my Natomas home with $0 down."
— Elena R., Sacramento"My daughter's Moolah account taught her saving. Now our whole family banks co-op. Fees? What fees?"
— Priya S., DavisFresh cooperative stories coming soon
Our editors are preparing guides on saving, homeownership and credit health. Check back tomorrow.
Credit union vs bank? Safety? Joining? All clear answers with no jargon.
Visit us. Call us. Join us.
📍 HQ — Sacramento
2295 Iron Point Rd, Folsom, CA 95630
Mon-Fri 9-6, Sat 9-2
Phone: (916) 979-7233
