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Safe 1 rates: up to 3.92% APY

credit union · NCUA CHARTER 61598 · www.safe1.org/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Club Account 0.05%APY2026-11-01 since 2026-11-01
Individual Retirement Account (IRA) Club 0.15%APY2026-11-01 since 2026-11-01
Share Savings 0.05%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Fixed-Rate Certificates3 - 5 Months 1.00%APY2026-11-01 since 2026-11-01
Individual Retirement Account Certificates3 - 5 Months 1.00%APY2026-11-01 since 2026-11-01
3–5-Month CD3 - 5 Months 1.00%APY2026-11-01 since 2026-11-01
“Bump-up” option on 24-month term Certificate3 - 5 Months 1.00%APY2026-11-01 since 2026-11-01
6–11-Month CD6 - 11 Months 1.25%APY2026-11-01 since 2026-11-01
Fixed-Rate Certificates6 - 11 Months 1.25%APY2026-11-01 since 2026-11-01
Individual Retirement Account Certificates6 - 11 Months 1.25%APY2026-11-01 since 2026-11-01
“Bump-up” option on 24-month term Certificate6 - 11 Months 1.25%APY2026-11-01 since 2026-11-01
7-Month Special Certificate7 months 3.75%APY2026-11-01 since 2026-11-01
12- Month Variable Rate Certificate1 year 3.92%APY2026-11-01 since 2026-11-01
Fixed-Rate Certificates12 - 23 Months 1.75%APY2026-11-01 since 2026-11-01
Individual Retirement Account Certificates12 - 23 Months 1.75%APY2026-11-01 since 2026-11-01
12–23-Month CD12 - 23 Months 1.75%APY2026-11-01 since 2026-11-01
“Bump-up” option on 24-month term Certificate12 - 23 Months 1.75%APY2026-11-01 since 2026-11-01
15-Month Special Certificate15 months 3.50%APY2026-11-01 since 2026-11-01
20-Month IRA Certificate20 months 3.00%APY2026-11-01 since 2026-11-01
2-Year CD24-Month Bump-Up 2.00%APY2026-11-01 since 2026-11-01
Individual Retirement Account Certificates24-Month Bump-Up 3.00%APY2026-11-01 since 2026-11-01
“Bump-up” option on 24-month term Certificate24-Month Bump-Up 2.00%APY2026-11-01 since 2026-11-01

Money market

ProductTerm / tierRateBasisRecordedHistoryChange
Money Market Savings$100,000 - $249,999 1.25%APY2026-11-01 since 2026-11-01
Money Market Savings Accounts$2,500 - $9,999 0.50%APY2026-11-01 since 2026-11-01
Money Market Savings Accounts$10,000 - $24,999 0.50%APY2026-11-01 since 2026-11-01
Money Market Savings Accounts$25,000 - $49,999 0.50%APY2026-11-01 since 2026-11-01
Money Market Savings Accounts$50,000 - $99,999 0.75%APY2026-11-01 since 2026-11-01
Money Market Savings Accounts$250,000 and over 2.25%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Checking Account 0.05%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.safe1.org/deposit-rates/2026-11-01 21:54 UTC okbc3d00bf003b
www.safe1.org/relationship-rewards/2026-11-01 21:54 UTC okb2959d32b9b6
www.safe1.org/savings-checking/certificates/2026-11-01 21:54 UTC ok1d8838bd0a2a