Bring It All Home to SAFE with Family Banking

If you’re a member of the sandwich generation—raising kids while also helping aging parents—you know first-hand the pressures, stresses, and challenges you juggle every day: sports practices, school events, and college scouting trips for the kids; doctor’s appointments, shopping runs, and care management for the parents.

SAFE can’t do your carpooling, but we can help take one big thing off your plate: everyone’s banking.

With Family Banking from SAFE, you can bring your own accounts—and your family members—home to one credit union. Family Banking lets you link accounts, set access levels, and easily transfer money to your college student or keep an eye on Mom’s account to watch for fraud or unexpected transactions, all from the SAFE Mobile App.

For the Younger Kids

SAFE offers a range of savings accounts for kids of all ages and now offers our popular Freedom Checking to children as young as 6 years old.

• The Kids Club Savings account is a fun way to introduce banking to kids 12 and younger. It earns dividends and helps build smart saving habits from the start.

• Children of all ages can also open certificates, such as SAFE’s popular add-on certificate that lets them add money as they save.

• New in 2025: Freedom Checking is now available for kids ages 6+, giving families a hands-on way to talk about money and practice smart spending together.

For the Teens

As teenagers take steps toward independence, SAFE offers the tools to help them learn smart money habits.

• The Young Members Savings Account earns dividends and includes an ATM card for easy cash access at SAFE and Co-op ATMs.

• Freedom Checking gives teens freedom to make their own purchases with a tap-to-pay debit card, get paid up to two days early with direct deposit¹ for those first jobs, add their debit card to their digital wallet, and access the SAFE Mobile App for banking on the go.

• Smart Visa® Credit Card is ideal for members 18 and older looking to open their first credit card. This card provides a great way to start building credit, secured by funds on deposit.

For the Grandparents

SAFE offers a wealth of accounts and services that help people of all ages maximize their money.

• Capitol Club is SAFE’s top tier status, and offers premium certificate rates, waived service fees, free ATM transactions, a safe deposit box, cashier’s checks and more.²

• Money Market accounts, such as SAFE’s Level Up Money Market, provide competitive rates, easy access to funds, and are insured by NCUA to at least $250,000.

• SAFE certificates come in a wide range of terms that can help people earn more on their savings.

• Members can use SAFE’s Wealth Management services³ to tap into personalized financial plans.

• SAFE’s Cash Back+ Visa® Credit Card pays 5% cash back on categories cardholders select each quarter, 3% on gasoline and groceries, and 1% on all other purchases to help you save every time you shop.

For Your Peace of Mind

SAFE makes it easy for you to access and monitor Family Banking accounts anytime, anyplace through the SAFE Mobile App and Online Banking. We offer a full range of services and controls that put you in control.

• Alerts: Set real-time text alerts for balances, purchases, and more.
• Account Access: see all accounts in one place to monitor activity at any time.
• Card controls: Turn cards on/off right in the app.
• Move money: Transfer funds between family accounts fast.
• Open accounts: Start a new account from your phone in minutes.
• Early Payday: Get paid up to 2 days early with direct deposit.¹
• Bill Pay: Set it and forget it—cross bills off your list with ease.
• Digital Wallets: Pay on the go with your SAFE debit and credit cards.
• SAFE Pay: Securely send money to friends and family.

Learn More

Schedule an appointment to discuss bringing your family’s banking home to SAFE.

Learn more about SAFE’s Family Banking services.

1 With Early Payday, SAFE may make incoming direct deposits made through ACH available for use up to two days before the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Funds availability may depend on when we receive the originator’s instructions, any limitations we set on the amount of early availability, and fraud prevention screening. Funds not eligible for Early Payday deposits or credits to your account, include deposits of physical checks or remote check deposits, and other online transfers or electronic credits. 2 Certificates are eligible for rate increase of .25%. The premium dividend rate will take effect the day after certificate is opened or renewed. View rates and disclosures. SAFE will not charge a fee to use another financial institution’s ATM; however, individual merchant fees or surcharges may apply. Eligible for 2” x 5” or 3” x 5” safe deposit box or equivalent discount on other box sizes. 3 Financial Advisors are registered with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA / SIPC). Insurance products are offered through LPL or its licensed affiliates. SAFE Credit Union and SAFE Financial Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SAFE Financial Services, and may also be employees of SAFE Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, SAFE Credit Union or SAFE Financial Services. Securities and insurance products offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value