Safe Federal Credit Union Visa Reward Credit Card | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

To be approved, an individual must be a member of the Credit Union, as a Credit Union may only offer loans to its members under the Federal Credit Union Act.
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

safefed.org

Phone

(803) 469-8600

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

13.49% – 18%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	18%	1 dollar sign symbol Pay less interest
620-719	16.49%	1 dollar sign symbol Pay less interest
720+	14.49%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: A minimum interest payment of $0.01 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance excluding new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment and $38 for a late payment within six billing cycles of another late payment
Late fee policy details: Late fee will not exceed balance due.
Over-limit fee: None
Express Card Fee: $25 (If the member requests an expedited delivery of a card, the fee is charged.)
Lost/Stolen Card Replacement: $15 (The fee is charged after the first lost card. If the member is a victim of theft or fraud, there is no fee charged.)
Statement: $2 (Fee is charged when member requests statement copies. There is no fee for required monthly statement.)
Research Fee: $10 (Fee is per hour with a two (2) hour minimum. This fee is related to a member request that requires research beyond what is found within current systems (i.e., member requests seven years of documents, including cash advances, balance transfers, and statem)
Returned Payment Fee: $25 (Fee is charged if payment is returned.)

Rewards and perks

Cash back, travel, and other

Other rewards: Various items available in an online catalog. Points for merchandise/items.

Services

Automobile rental insurance
Extension on manufacturer’s warranty
Online and mobile account access Travel accident insurance

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

1.99%*

+

Variable

Balance transfer fee details: 2% of each advance with a $10 minimum, excludes balance transfers on new accounts (first 12 months opened)

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

13.49% – 18%*

+

Variable

Cash advance fee details: 2% of each advance with a $10 minimum, excludes balance transfers on new accounts (first 12 months opened)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	18%
620-719	16.49%
720+	13.49%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.