SAFE Credit Cards. All you need.

The Choice is Yours! MasterCard, VISA®, VISA® Gold or VISA® Platinum.  Depending on your lifestyle, how you use your card and the way you make your payments.

Because...Life Should Be Rewarding

SAFE Federal Credit Union credit cards are now enhanced with ScoreCard Rewards! These cards now earn Bonus Points for every purchase you make!

Once you have accumulated enough Bonus Points, you can redeem them for brand-name merchandise and exciting travel rewards.

Use your SAFE Federal Credit Union card for all your purchases and you will be surprised how quickly your Bonus Points add up!

For a complete list of rewards, click on the link below, and enter your card number:

Visa Security Sense

Visa has launched a new website at an aim to help cardholders and small businesses protect payment card account information and avoid payment card scams.  The site named, Visa Security Sense, provides cardholders tips with practical know-how for protecting account information and resolving unauthorized card use.

Highlights of the website include:

  • Tips for Preventing Fraud
  • Fraud News
  • Resources for Fighting Fraud

How Visa Protects You

"Visa's site is intended to empower cardholders with information to prevent fraud, avoid deceptive marketing practices and learn about important protections and resources available to them." - Jennifer Fischer, Head of U.S. Payment System Risk, Visa, Inc.

Summary Table of Interest Rates and Interest Charges

Rate (APR) for Purchases

7.96% to 17.96%

Your rate is based on your credit worthiness
and financial score related to your credit report.

APR for Balance Transfers

No change on assigned APR

APR for Cash Advance

No change on assigned APR

Penalty APR


This APR may be applied to your account if you

  1. Make 4 payments over 30 days late and 1 payment over 60 days late in 24 months,
  2. Make a payment that is returned;
  3. Review of your credit worthiness indicates changes to your beacon score; or
  4. Do any of the above on another account that you have with us

How long will the Penalty APR apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six (6) consecutive minimum payments on or before the due date.

How to avoid paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be average daily balance times periodic rate.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at

* This is a printer friendly version of the original page, made to save you ink and paper.

SAFE Federal Credit Union


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