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Safe 1 Credit Union Credit Cards

Safe 1 Credit Union serves customers in Southern California. It is a not-for-profit financial institution that strives to put its members first with lower interest rates and fees than many major banks. Residents of Kern, Kings, Fresno and Tulare counties are all eligible for membership. Browse platinum credit card and credit union offers below.

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Date Reviewed: December 19, 2019

Safe 1 Credit Union Mastercard Platinum Rewards Card

Safe 1 Credit Union Mastercard Platinum Rewards Card
  • Regular Purchase APR 9.75% to 21.75% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.75% to 21.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% intro APR for 12 months on purchases and cash advances
  • Earn 1 point for ever $1 you spend with your credit card
  • No balance transfer fees
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 9.75% to 21.75% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 9.75% to 21.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.25% to 21.75% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Penalty APR: 27.5%
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $15
  • Return Payment Penalty Fee: $25

Date Reviewed: December 19, 2019

Safe 1 Credit Union Mastercard Platinum Card

Safe 1 Credit Union Mastercard Platinum Card
  • Regular Purchase APR 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% Introductory APR on purchases and cash advances for 12 months
  • No balance transfer fees
  • Low interest rates
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.75% to 19.75%, variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Penalty APR: 27.5%
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $15
  • Return Payment Penalty Fee: $25

About Safe 1 Credit Union

Safe 1 Credit Union is a not-for-profit credit union in Central and Northern California. The credit union (CU) has its headquarters in Bakersfield, California.

As a chartered CU, Safe 1 is not FDIC insured, like traditional banks. Instead, Safe 1 is insured through the National Credit Union Administration (NCUA). The NCUA is also a U.S. government agency and provides members with at least $250,000 in protection.

Branch Locations

Safe 1 currently has nine branch locations throughout the area it serves. This includes four branches – and the CU’s headquarters – in Bakersfield. Safe 1 Credit Union operates the following branches:

  • Bakersfield, CA
    • 1400 Mill Rock Way (Administrative Offices) – (661) 327-3818
    • 3601 Panama Lane – (661) 327-3818
    • 8200 Granite Falls Drive – (661) 327-3818
    • 400 Oak Street – (661) 327-3818
  • Delano, CA
    • 1101 Cecil Avenue – (661) 725-9429
  • Porterville, CA
    • 680 No. Prospect Avenue – (559) 784-6105
    • 1092 W Kern Street – (661) 765-2334
  • Tehachapi, CA
    • 20141 Valley Boulevard – (661) 822-8000
  • Visalia, CA
    • 1407 East Noble Ave – (559) 733-3545

Safe 1 also operates fee-free ATMs at all branches, as well as at a variety of other locations in the areas they serve. A full list of ATM locations is on the credit union’s website.

Safe 1 members can also use CO-OP ATMs fee-free. The CO-OP ATM network includes credit unions across North America, providing access to over 30,000 ATMs.

Who Can Join Safe 1 Credit Union?

Membership with Safe 1 Credit Union is very straightforward. Membership is open to all residents of the following California counties:

  • Kern
  • Kings
  • Fresno
  • Tulare

FAQs About Safe 1 Credit Union

Here are answers to some of the most frequently asked questions about Safe 1 CU and their credit card offers:

What Is the routing number for Safe 1?

  • Safe 1 Credit Union’s routing number is 322273609.

Does Safe 1 have a mobile app?

  • Yes. Safe 1 currently has an app that members can download through the Google Play and Apple stores.

Is Safe 1 FDIC insured?

  • No. Credit unions are insured through the National Credit Union Administration. This agency provides the same level of protection ($250,000) for accounts, meaning you don’t have to worry when joining a credit union.