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Member-owned since 1940 • Sacramento Co-op
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.
0★ Member rating
0M+Returned to members
0K+Co-op members
+3.85% APY
High-yield savings
High-yield savings
5.49% APR
Auto loans from
Auto loans from
CHECKING • SAVINGS • AUTO LOANS • HOME LOANS • CREDIT CARDS • FINANCIAL COACHING • CHECKING • SAVINGS • AUTO LOANS • HOME LOANS • CREDIT CARDS • FINANCIAL COACHING •
01 — About safecu.coop
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.
$4.8BAssets held in trust for members
21Branches + 30k free ATMs
$12MDonated to local nonprofits
1940Cooperative heritage
02 — Services
Everything a bank does, but fairer.
Most popular
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.
Save more
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.
From 5.49% APR
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.
From 6.12% APR
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.
03 — Membership
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
04 — Rates & calculator
Honest rates, live math.
Loan calculator
Monthly payment
$483
Save $1,840 vs average bank
| 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.
05 — Members
250k stories, one co-op.
★★★★★
"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., Davis06 — Journal
Co-op news & guides
07 — FAQ
Questions? Answered.
Credit union vs bank? Safety? Joining? All clear answers with no jargon.
What is safecu.coop? +
SAFE CU cooperative — member-owned not-for-profit credit union. Profits return to members as better rates and lower fees, not to shareholders.
Who can join? +
Anyone who lives, works, worships or studies in the Greater Sacramento region (13 counties) plus family members nationwide.
Is my money safe? +
Yes. Federally insured by NCUA up to $250,000 per depositor, same protection as FDIC banks, plus 80+ years of stability.
How do I switch from my bank? +
Use our 5-minute Switch Kit: we move direct deposits, autopays and bill pays automatically, free. Most members switch in 2 days.
Do you have apps and Zelle? +
Yes: award-winning mobile app, mobile deposit, Zelle, Apple Pay / Google Pay, credit score monitoring and card controls.
08 — Contact
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
