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Safe 1

1400 MILL ROCK WAY, Bakersfield, CA 93311
NCUA Insured3.7 (59 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1400 MILL ROCK WAY

Bakersfield, CA 93311

Service Area

This credit union is located in Bakersfield and serves members in the CA area. Currently serving 88,136 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.24%

Used Auto Loan

5.74%

Personal Loan

14.74%

Credit Card APR

11.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

3.7

59 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Hugo Najar

Hugo Najar

4 months ago

Went in today to see if I got approved on a loan after my bank denied me multiple times. I was greeted by Pablo and explained my situation not even 20 min and I was instantly approved with this bank Pablo was really friendly and answer all my question will definitely be banking with them and will recommend this bank to everyone

Jam

Jam

7 months ago

Everyone at the Safe 1 Oak Street branch was so nice, helpful and courteous. The staff made opening my account smooth and easy, and they explained everything clearly. My application was handled swiftly and professionally, and the whole experience was pleasant from start to finish. Thank you to the Oak Street team for such friendly and efficient service.

Ashley Danielle

Ashley Danielle

3 months ago

Thefty bank. STAY AWAY!!! I have provided proof of full coverage insurance MULTIPLE times and they still keep charging me no matter how many times I show proof. On top of that they only refund half of what they stole from me....yes STOLE. Take your banking elsewhere.

Keith Petty

Keith Petty

a year ago

I can’t say enough good things about the service I received today at Safe One on Oak. Calin Mothershed specifically, everyone was very nice but he went above and beyond. Just his attitude upon arrival was great for a dragging Friday afternoon. Infectious positivity. He opened accounts for my boys in record time, and props to Safe One we weren’t charged for either the checking or savings account. Most banks have good customer service, this bank and location are next level. Thank you again for the years of great service

David Slocumb

David Slocumb

5 years ago

They forced me to create an account with a minimum of $25 in order to get a car loan. After that, they decided my account was "inactive" and they'd charge me monthly fee until my account was depleted. Their reason in the letter? It was a "cost reduction technique." It's only $25 but it's pretty shady that they just decided "Hey he hasn't touched this money in a while, so it's ours now"

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).