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Rates & Fees

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Savings

Savings Accounts   Rates as of 6-1-22
Type Dividend Rate APY1
Savings 0.05% 0.05%
Holiday Club 0.05% 0.05%
Youth Savings 0.05% 0.05%

1 Annual Percentage Yield. Fees may reduce earnings.

Regular Money Market Account   Rates as of 6-1-22
Balance Dividend Rate APY1
$200 – $2,499.99 0.05% 0.05%
$2,500 – $24,999.99 0.25% 0.25%
$25,000 – $49,999.99 0.35% 0.35%
$50,000 – $99,999.99 0.35% 0.35%
$100,000 + 0.35% 0.35%

1 Annual Percentage Yield. Fees may reduce earnings.

Blended Rate Money Market Account   Rates as of 6-1-22
Balance Dividend Rate APY1 MoveUP Rewards Dividend Rate MoveUP Rewards APY2
$0 - $2,000 1.98% 2.00% 2.96% 3.00%
$2,000.01 - $5,000 1.00% 1.00% 1.00% 1.00%
$5,000.01 - $10,000 0.50% 0.50% 0.50% 0.50%
$10,000.01 - $50,000 0.35% 0.35% 0.45% 0.45%
$50,000.01 - $100,000 0.35% 0.35% 0.45% 0.45%
$100,000.01 + 0.35% 0.35% 0.45% 0.45%

1 Annual Percentage Yield. Fees may reduce earnings. The average daily balance for the month shall determine which dividend tier will be paid. Rates are subject to change after account opening without notice.

2Annual Percentage Yield. Fees may reduce earnings. Rate paid based on primary account owners eligible MoveUP Rewards tier status at the end of month in which dividends were earned. Eligible tiers for the MoveUP Rewards Dividend Rate include; Gold, Platinum and Executive. Eligible tiers and/or tier names are subject to change. If tier status adjusts, rate paid will adjust automatically. No minimum deposit is required to open. Limited to one Blended Rate Money Market account per member. Rates are subject to change after account opening without notice.

Share Certificates   Rates as of 6-6-22
Term Dividend Rate APY1
3 months 0.25% 0.25%
6 months 0.69% 0.69%
12 months 0.80% 0.80%
14 months 0.80% 0.80%
24 months 1.00% 1.01%
36 months 1.00% 1.01%
48 months 1.00% 1.01%
60 months 1.00% 1.01%
Youth Certificate* - 12 months 9.56% 9.99%

1 Annual Percentage Yield. Minimum balance requirement is $1,000. Available rates subject to change without notice. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply to certificates.

* Only one Youth Certificate per member. Existing Youth certificate will be renewed into a regular certificate rate at the rate in effect at that time for 12 months, not the high yield Youth Certificate. Once the certificate is opened, the rate remains fixed through maturity. Early withdrawal penalties apply.

Rate Schedule
Account Dividends Compounded Dividends Credited Dividends Period Minimum Deposit Minimum to Earn Dividends
Savings Monthly Monthly Calendar Month $25 $200
Holiday Club Monthly Monthly Calendar Month $25 $200
Youth Savings Monthly Monthly Calendar Month $25 $200
Money Market Monthly Monthly Calendar Month $25 Tiered
Share Certificates Monthly Monthly Calendar Month $1,000 Tiered

Checking

Checking Accounts   Rates as of 6-1-22
Type Dividend Rate APY1
Free Checking 0% 0%
Youth Checking 0% 0%

1 Annual Percentage Yield. Fees may reduce earnings.

Credit & Personal

Personal Loan Rates Rates as of 6-1-22
Term Maximum Amount Best APR1
Up to 60 months $25,000 110.99%

1APR (Annual Percentage Rate) is best available and is subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Payment sample: Pay $23.75 per month per $1,000 borrowed for 60 months at 10.99%.

Personal Line of Credit Rates   Rates as of 6-16-22
Term Maximum Amount Best APR1
Variable $25,000 19.75%

1APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Visa Credit Card Rates   Rates as of 6-1-22
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90% – 18.90% based on your credit worthiness.
APR for Balance Transfers 9.90% – 18.90% based on your credit worthiness.
APR for Cash Advances 9.90% – 18.90% based on your credit worthiness.
Penalty APR and When it Applies None
Minimum Interest Charge None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Final rate will be determined by your creditworthiness. VISA rates can change upon legally required notice to the cardholder.

Visa Credit Card Transaction Fees
Fees  
Set-up and Maintenance Fees
Annual Fee
Additional Card Fee
 
None
None
Transaction Fees
Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee
 
None
None
1% of transaction amount if initiated in a foreign country or currency
Penalty Fees
Late Payment Fee
Over-the-Credit Limit Fee
Returned Payment Fee
 
Up to $10.00
Up to $3.00
Up to $25.00
Overdraft Protection Advance $5 plus 1% of transaction amount if initiated in a foreign country or currency.

Click here to see our full credit card disclosure.

IRAs

IRA Rates   Rates as of 6-6-22
Term Dividend Rate APY1
3 months 0.25% 0.25%
6 months 0.69% 0.69%
12 months 0.80% 0.80%
14 months 0.80% 0.80%
24 months 1.00% 1.01%
36 months 1.00% 1.01%
48 months 1.00% 1.01%
60 months 1.00% 1.01%

1 Annual Percentage Yield. All IRA Certificates require a minimum balance of $1,000 or more. Rates are subject to change without notice. Early withdrawal penalties apply to certificates.

IRA Money Market Rates   Rates as of 6-1-22
Balance Dividend Rate APY1
$200 – $2,499 0.05% 0.05%
$2,500 – $24,999 0.25% 0.25%
$25,000 – $49,999 0.35% 0.35%
$50,000 – $99,999 0.35% 0.35%
$100,000 and above 0.35% 0.35%

1 Annual Percentage Yield. All IRA Certificates require a minimum balance of $1,000 or more. Rates are subject to change without notice. Early withdrawal penalties apply to certificates.

Rate Schedule
Account Dividends Compounded Dividends Credited Dividends Period Minimum Deposit Minimum to Earn Dividends
IRA Monthly Monthly Calendar Month $0 $1,000
IRA Money Market Monthly Monthly Calendar Month $0 $1,000

Auto

New or Used Autos & Trucks   2015 and newer. Rates as of 6-1-22
Term APR1
24 months 2.99%
36 months 2.99%
48 months 2.99%
60 months 2.99%
66 months 2.99%
72 months 3.24%
84 months 3.49%
96 months* 4.49%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. Payment sample: Pay $22.13 per month per $1,000 borrowed for 48 months at 2.99%. See our payment calculator for more payment samples.

* Minimum loan amount for a 96 month term is $30,000. Tier 1 credit qualification only and a 730 FICO score.

Older Used Autos & Trucks   2014 and older. Rates as of 6-1-22
Term APR1
36 months 5.99%
48 months 6.99%
60 months 7.99%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

RV Loan Rates   Rates as of 6-1-22
Term Mileage (max.) Amount (max.) Best APR1 New Best APR1 Used
60 months 100,000 miles $150,000 4.99% 5.99%
72 months 100,000 miles $150,000 5.99% 6.99%
84 months 100,000 miles $150,000 6.99% 7.99%
120 months 100,000 miles $150,000 7.99% 8.99%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Motorcycle Loan Rates   Rates as of 6-1-22
Term Mileage (max.) Amount (max.) Best APR1 New Best APR1 Used
48 months 100,000 miles $50,000 3.99% 4.99%
60 months 100,000 miles $50,000 4.99% 5.99%
72 months 100,000 miles $50,000 5.99% 6.99%
84 months 100,000 miles $50,000 6.99% 7.99%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Boat Loan Rates   Rates as of 6-1-22
Term Amount (max.) Best APR1 New Best APR1 Used
48 months $75,000 7.99% 7.99%
60 months $75,000 7.99% 7.99%
72 months $75,000 8.24% 8.24%
84 months $75,000 8.49% 8.49%

1 Quoted APRs (Annual Percentage Rate) are best available; rate may be higher depending on factors such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated.

Home

First Mortgage Loan Rates   Rates as of 6-1-22
Type Program Interest Rate APR1
30-year Fixed Conforming 5.500% 5.539%
30-year Fixed Jumbo 5.500% 5.530%
20-year Fixed Conforming 5.000% 5.049%
20-year Fixed Jumbo 5.000% 5.038%
15-year Fixed Conforming 4.500% 4.558%
15-year Fixed Jumbo 4.500% 4.544%
10-year Fixed Conforming 4.000% 4.078%
For more options and current rates, please call (800) 972-0999 or email realestate@safeamerica.com to speak with a mortgage specialist.

Quoted APR (Annual Percentage rate) subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval.

1 1st Mortgage loan rates are subject to change daily. Call for current rates, APRs, additional payment samples, or further information. For a 30 year loan at 5.50%, pay $5.67 per month per $1,000 borrowed, for a 20 year loan at 5.00% pay $6.59 per month per $1000.00 borrowed, for a 15 year loan at 4.50% pay $7.64 per month per $1,000 borrowed, and for a 10 year loan at 4.00% pay $10.11 per month per $1,000.00 borrowed. Second Mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $400,000 on owner occupied primary residence only in California. No processing fee on HELOC limits up to $100,000. Processing fee on limits of $100,001 - $250,000 is $500. Processing fee on all fixed rate second mortgage loans is $995.00. Sample payment for a 15-year fixed rate second mortgage at 6.99% would be $8.97 per month per $1,000 borrowed. Maximum lifetime variable HELOC APR is 18%. No annual HELOC fee. If appraisal is required, member will be required to pay full cost of appraisal, in advance.

Home Equity Loan Rates (Second Mortgage)    Rates as of 6-1-22
Type Maximum Amount Interest Rate APR1
15-year Fixed $400,000 6.990% 7.077%
7.5-year Fixed $400,000 6.125% 6.270%

1Quoted APR (Annual Percentage Rate) subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Interest may be tax deductible, consult a tax advisor. Equal housing lender. Adequate property insurance required for the life of the loan. Flood insurance may be required. Other restrictions may apply.

*Second mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $400,000 on owner occupied primary residence only in California. Processing fee on all fixed rate second mortgage loans is $995. Sample payment for a 15 year fixed rate second mortgage at 6.99% would be $8.97 per month per $1,000 borrowed. If appraisal is required, member will be required to pay full cost of appraisal, in advance.

Home Equity Line of Credit   Rates as of 6-16-22
Type Maximum Amount Interest Rate APR1
Variable Rate $400,000 4.750% 4.750%

1Quoted APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Interest may be tax deductible, consult a tax advisor. Equal housing lender. Adequate property insurance required for the life of the loan. Flood insurance may be required. Other restrictions may apply.

*There are no closing costs for an equity line of credit up to $100,000, unless an appraisal is required. For limits over $100,000 up to $250,000, closing costs are $500 plus the cost of the appraisal, if required. Second mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $400,000 on owner occupied primary residence only in California. No processing fee on loans or limits to $100,000. Processing fee on limits of $100,001 - $250,000 is $500. Maximum lifetime variable HELOC APR is 18%. No annual HELOC fee. If appraisal is required, member will be required to pay full cost of appraisal, in advance.

Fees

Fee Schedule (PDF)

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  • No. California: (925) 734-4111
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Routing Number: 321171757

NMLS#: 746366

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SafeAmerica is an Equal Housing Lender American Share Insurance Logo

Your savings insured to $500,000 per account. By members’ choice, this institution is not federally insured, or insured by any state government.

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