Safe Federal Credit Union

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A short history of Safe FCU

Since its inception in 1955 the Safe Federal Credit Union has been serving its members in the Sumter, South Carolina area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Darrell Merkel, the Safe FCU has grown its membership to over 117,280 with assets of more than $1,028,456,986. They have a main office and 20 branch offices. Please see the credit unions website or contact them by phone at (803) 469-8600 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Sumter, SC.

General Information For Safe FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9988
Address P. O. Box 2008 
City Sumter 
State South Carolina 
Zip-Code 29151
Phone Number (803) 469-8600
Fax Number (803) 469-4050
Email Address:
CEO/President Darrell Merkel
Members 117,280 
Full-Time Employees 276 
Part-Time Employees 31 
Number of Branch Offices 20 
Total Assets 1,028,456,986 

Compare Safe Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Sumter City CU sumter city credit union 12 W Liberty St 29150 (803) 774-1641 No 0.05
Mid Carolina CU Lugoff 719 Highway 1 S 29078 (803) 432-8521 No 28.53

Safe Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Safe Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 3.24 3.49 4.00 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 173 146 138 168
Rank Among All South Carolina Credit Unions 11 18 9 11 10

Safe Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.20 0.30 0.40 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 108 97 284 227
Rank Among All South Carolina Credit Unions 6 6 10 21 13
Safe Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.99015,37066,441,601
All Other Unsecured Loans/Lines of Credit 10.99013,18025,442,101
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2405,350131,995,919
Used Vehicle Loans 3.49014,817203,571,333
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0002,544199,523,411
Total Other Real Estate Loans/Lines of Credit 4.5005097,821,642
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.9902,05313,443,357
TOTAL LOANS & LEASES 53,823648,239,364

Safe Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1,090114,930,628699,798,270
    b. 15 Years or less 1,36083,066,161928,189,995
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 931,524,93710311,400
Adjustable Rate 1 yr or less 11,68500
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1091,315,7534120,200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3716,147,98327936,500
Open-End Fixed Rate 29357,90600
TOTALS 3,053207,345,05320219,356,365


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Safe Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes