Whether you're a solo entrepreneur, a nonprofit organization, or growing a thriving enterprise, SAFE offers tailored accounts, loans, and merchant services designed specifically for businesses.
To help you get to know us better, we’re offering a variety of limited-time promotions for business owners to help them experience how SAFE can help them get ahead.
Business Savings Accounts
Build funds while earning competitive dividends. Get a 3.04% intro APY1 for 3 months with $1,000 initial deposit and maintained balance. Promo valid through May 31.
SAFE Visa Business Credit Card
Enjoy instant purchasing power and earn rewards on everyday business purchases. Take advantage of the 0% Promo APR2 on balance transfers for the first 12 billing cycles, with variable 14.15% - 20.15% APR thereafter! Balance transfers must be submitted by July 15, 2025.
SAFE Business Checking
Enjoy the same great member-first service you already know for your business too! Give yourself a $500 bonus3 when you bring your Business Banking or refer a business to SAFE and the business meets certain criteria. Offer valid through August 31, 2025.
As a credit union, we know that small businesses are the backbone of our community. We’re proud to be member-owned and dedicated to providing personalized solutions that will help your business thrive.
Ready to connect with a business banking expert? Click here and select “Schedule a business appointment” to get the process started.
1APY - Annual Percentage Yield as of May 1, 2025. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by May 31, 2025. Offer excludes Special Purpose Share Savings account. Deposit of $1,000 required at account opening and must be maintained for three months. Initial funds must be new to SAFE and cannot be transferred from another SAFE account. Existing members must open new account to qualify. Balances of $1,000 - $4,000 earn 3.04% APY and balances over $4,000 earn 0.05% - 3.04% APY for the first three months open. Once the three month period has ended or the balance falls below $1,000, the dividend rate reverts to the standard Savings rate in effect at that time. If account qualifies for premium dividends, higher dividend rate will take effect the following calendar month. During introductory APY offering, savings is a tiered-rate account. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Dividends paid monthly. Variable rate changes monthly. Low-balance monthly service fee of up to $5 is waived if month-end balance equals $5 or more, or for members under age 21.
2Balance transfer(s) must be submitted by July 15, 2025. 0.00% Promo APR good for first 12 billing cycles after the first initiated balance transfer. Variable APR thereafter is 13.04% - 22.74%, and is accurate as of January 18, 2025. Payment may take up to two (2) weeks to process by the other financial institution. Foreign Transaction: Up to 1% of each transaction in U.S. dollars. Late Payment: $15 or the current minimum payment amount, whichever is less. Cash Back, Cash Back+, and Essential Credit Cards have a Cash Advance fee of either $10 or 3% of the amount of each transfer, whichever is greater. Rates, terms, and conditions subject to change. Exclusions: Smart Visa Credit Card and transfers from existing SAFE loans are excluded from promotional offer.
3Referring Member: Must meet the following requirements to qualify for the Refer A Business Promotion (Promotion) bonus: 1) Be the tax reporting owner on an open share account, 2) Provide your name and the email address on record with SAFE to the referred business, and 3) Referred Business must meet all requirements listed under “Referred Business”. Limit one $500 “Refer A Business” bonus per member per calendar year. Referred Business: For the Referring Member to earn the bonus under the Promotion, the Referred Business must meet the following requirements: 1) Must not have maintained an open business checking account with SAFE within the past 12 months, 2) Open a SAFE business checking account with $25 minimum deposit by 08/31/2025, 3) Within 30 days of business checking opening (a) Have an end-of-day balance of $10,000 in the business checking account, (b) Apply, qualify and open a SAFE Visa® Business Credit Card, and (c) Enroll in eStatements. Bonus Fulfillment: Both Referring Member and Referred Business must be in good standing at the time of bonus disbursement. The bonus will be posted to Referring Member’s share account within 30 days of Referred Business meeting Promotion criteria. Additional Terms: SAFE complies with applicable tax reporting requirements. Referring Member is responsible for any federal, state, or local taxes on the bonus. SAFE business checking account rates, fees, and terms can be viewed at www.safecu.org and will be provided prior to account opening. Promotion subject to change or cancellation without notice. Cannot be combined with other account-opening offers. Offer expires August 31, 2025.
