At SAFE, we understand that small businesses are the backbone of the local economy. They create jobs, are boosters to community organizations, and bring value to customers and economic energy to the region.
SAFE is honored to provide business banking services to local companies. We celebrate their successes and are steadfast supporters if things get a little bumpy.
If you are a local business owner just getting started or are more established and looking for a new financial institution that puts your business needs first, we invite you to consider SAFE. We offer select business banking services, including checking and savings accounts, business money market accounts, Visa® business credit cards, commercial vehicle lending, as well as SBA and commercial lending.
For a limited time only, businesses can take advantage of these special promotions from SAFE:
- A 3.30% intro APY with a $2,0001 initial deposit on our Business Money Market account. Offer good through June 30, 2026.
- A $500 bonus2 to qualifying business members who open a new business checking account and a new SAFE Visa® Business Credit Card by October 31, 2026. To qualify, new SAFE Business Banking members must open a SAFE business checking account with at least $25, open a new business credit card, reach a $5,000 checking account balance and enroll in eStatements within 30 days of opening the checking account.
Other services include:
- Payroll services in partnership with Paychex3
- Fiserv Merchant Services3 that offer a variety of POS options from Clover® Solutions
- Remote deposit that lets you easily deposit checks on-the-go with a SAFE Online Banking account
- Simplified Employee Pension (SEP) plans to help you set up your employees for retirement
- Workplace Financial Wellness, a dedicated, no-cost program that offers resources for your employees to set themselves up for financial success
- Convenient links to municipal licensing programs and government permitting.
SAFE serves businesses in our 13-county service area. We serve most businesses of the following types:
- Sole Proprietorship or Married Couple Business
- Association
- Corporation
- General Partnership
- Limited Partnership
- Limited Liability Company (LLC)
- Limited Liability Partnership (LLP)
Here’s how to get started in opening a SAFE Credit Union Business Banking savings, checking, or money market account.
Step 1
Gather your business documents. We’ll need to review specific documents depending on the type of business you have. You can find the entire list of documents you'll need on safecu.org.
Step 2
Complete the online application. This is your opportunity to tell us about your business and upload relevant documents. If you need assistance with filling out the application, please give our Contact Center a call at (916) 979-7233 or (800) SEE-SAFE or chat with us on safecu.org and our service representatives will be more than happy to connect you to the Business Banking team.
Step 3
Make an appointment with a Business Banking specialist using our online reservation tool. Once you complete the application, you’ll see a prompt to make an appointment with an expert from SAFE’s Business Banking team. These meetings are handled over the phone so it’s more convenient for you, and you can schedule a time that works best for your busy schedule.
During the appointment, a SAFE Business Banking representative will go over your application and talk with you to learn more about your business. Once everything is in order and we determine your business is eligible for a Business Banking account, the representative will assist you in opening the account.
Please note that if you want to apply for an SBA or commercial loan, please make an appointment first.
We look forward to connecting with your business and being a part of your success story!
1 APY - Annual Percentage Yield accurate as of 05/01/2026. Introductory APY is limited to one account per tax reporting owner and available to accounts opened by June 30, 2026, who meet the following requirements: 1) Have no previous member relationship with SAFE Credit Union or have established your membership within the 60 days prior to Introductory APY account opening, 2) Open a Level Up Money Market or Business Money Market account with a minimum deposit of $2,000 new money (coming from another financial institution), and 3) Maintain a minimum of $2,000 for the first three months from account open date. Once the three-month period has ended, or the balance falls below $2,000, the dividend rate reverts to the standard Level Up Money Market or Business Money Market variable rate in effect at that time. Introductory APY is paid only on the portion of the balance that falls within each specified tier. Monthly fee of $12 waived if average daily balance equals $2,000 or more. Fees may reduce earnings. Dividends are paid monthly. Special Introductory APY: 3.30% $2,000.00-$25,000.00, 2.22% - 3.30% Over $25,000.00. Standard Business Money Market Tiers & APY: under $10,000 - 0.85%, $10,000 - $24,999.99 - 0.85%, $25,000 - $49,999.99 - 1.36%, $50,000 - $99,999.99 - 1.61%, $100,000 - $249,999.99 - 1.87%, $250,000 & over - 2.22%.
2 To qualify for the 2026 New Business Checking and Visa $500 Promotion: 1) Have no previous or existing business checking account with SAFE Credit Union, 2) Open a SAFE business checking account with $25 minimum deposit by October 31, 2026, and 3) Within 30 days of account opening (a) Have an end-of-day balance of $5,000 in the business checking account, (b) Apply, qualify, and open a SAFE Visa® Business Credit Card, and (c) Enroll in eStatements. Member must be in good standing at the time of promotional disbursement. Promotional amount will be posted to the business checking within 30 days of qualification. SAFE complies with applicable tax reporting requirements. Member is responsible for any federal, state, or local taxes. SAFE business checking account rates, fees, and terms can be viewed at www.safecu.org and will be provided prior to account opening. Any inquiries or disputes related to the promotion will be decided by SAFE Credit Union and must be submitted within 180 days of opening the account. Promotion subject to change or cancellation without notice. Promotion is limited to one business checking account per tax reporting owner. Cannot be combined with other account-opening bonus offers.
3 SAFE Credit Union offers this as a referral only and accepts no responsibility or liability for the service. Contracts and agreements are solely between the member and Paychex or Merchant Services and strictly at the member's volition.
