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Safe

2295 IRON POINT RD, STE 100, Folsom, CA 95630
NCUA Insured3.5 (36 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

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

Location & Directions

Address

2295 IRON POINT RD, STE 100

Folsom, CA 95630

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(916) 979-7233

Service Area

This credit union is located in Folsom and serves members in the CA area. Currently serving 245,905 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

5.62%

Used Auto Loan

6.87%

Personal Loan

10.77%

Credit Card APR

13.98%

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).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%
Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%
North Bay— Personal Loan

Santa Rosa, CA

2.33%
Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

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

Branches & Locations(18 total)

Member Reviews

3.5

36 Google reviews

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

View on Google Maps
ALI Ghaznawi

ALI Ghaznawi

4 months ago

Very disappointing experience with SAFE Credit Union. I worked with Lindsay Flachsbarth and Joanne Whitworth, and unfortunately the service was unhelpful and frustrating. My concerns were not properly addressed, and communication was unclear and inconsistent throughout the process. I felt that my situation was not taken seriously, which led to unnecessary delays and stress. For a financial institution, professionalism, transparency, and customer care are essential. This experience fell well below expectations, and I hope SAFE Credit Union takes steps to improve staff accountability and customer service.

Antonio Starks

Antonio Starks

3 months ago

Dre K. Was incredible with helping of our banking needs today! Fun , Down to earth and professional! It made our visit smooth and stress free! Thank you so much for everything today!

Tim Miranda

Tim Miranda

8 months ago

This is the worst safe credit union location in Sacramento. I've been banking with them for over a decade and got told yesterday I could not withdraw my own money because my ID expired 2 weeks ago. Did not offer me the option of asking security questions or for my SSN, nothing. If you want good customer service go to any other location.

Nicollette Z.

Nicollette Z.

9 months ago

Love this branch and credit union as a whole! Ryan and Katy helped me with something that is pretty complicated and they went above and beyond to ensure I received the proper documents for my records. Can’t say enough about this branch and the way they take care of the customers. Also they have bottled water and snacks too!

skipro3

skipro3

a month ago

2 tells, 6 windows. Never more and so expect to wait in a line. UPDATE: The response falls on deaf ears. This isn't a one-time occurrence, this is every time I come in. Right around lunch hour, when people are trying to get things done while working a full time job, kids to pick up after school, 2nd jobs, prep dinner, etc. Think about when you all take a lunch break, THAT's when we have to skip our lunch so we can wait in a line with 6 windows and 2 tellers.

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).