Benefits of Local Banking: Why Safe 1 Credit Union is Your Trusted Financial Partner
When managing your finances, where you choose to bank matters. While national banks may dominate the headlines, more and more people are discovering the many advantages of banking locally.
For more than 70 years, Safe 1 Credit Union has been a community cornerstone, offering a trusted alternative to big banks. We proudly serve the citizens of Kern, Kings, Tulare and Fresno Counties.
Whether you’re opening your first checking account or switching from another financial institution, here’s why Safe 1 Credit Union stands out as your ideal financial partner.
What Makes Credit Unions Different?
Credit unions aren’t just banks with a different name – they operate on a completely different model. Unlike traditional banks that are driven by profit and shareholders, credit unions are member-owned cooperatives. This means when you join Safe 1 Credit Union, you’re not just a member – you’re an owner.
Because credit unions are not-for-profit, any earnings are reinvested back into the organization in the form of better rates, lower fees, and enhanced services. At Safe 1, every decision is made with the best interests of our members and community in mind.
Personalized Service – We Put You First!
At big banks, it’s easy to feel like just another number. But at Safe 1 Credit Union, our members are at the heart of everything we do.
Our staff live and work in the same communities you do. They understand the unique financial challenges and goals of residents in the communities we serve. Whether you’re applying for a checking account, need help setting up direct deposit, or have a question about mobile banking, you’ll receive friendly, personalized service every time.
Our local decision-making also means quicker responses, especially for loans, credit lines, or account adjustments – no waiting for approval from a distant corporate office.
Lower Fees and Better Rates
One of the biggest reasons people switch to a credit union is the money they save.
At Safe 1 Credit Union, we’re proud to offer checking accounts free of the costly fees many banks charge. From no monthly maintenance fees to free access to online and mobile banking, our accounts are designed to keep more money in your pocket.
Plus, as a credit union, we offer competitive interest rates on both deposit accounts and loans. Whether you’re earning interest on your savings or looking to finance a major purchase, your money goes further with Safe 1.
Rooted in Community
Safe 1 Credit Union has been serving Central California since 1952. What started as a small credit union for state and federal employees has grown into a trusted financial partner for more than 85,000 members across Kern, Kings, Tulare and Fresno Counties.
We believe in giving back! From supporting local nonprofits to community events to sponsorships and donations, Safe 1 is deeply committed to improving the communities we serve. When you bank with us, your money stays local – helping support your neighbors and fuel community development.
Community banking isn’t just a phrase, it’s a promise we live by every day.
Modern Banking with a Local Touch
One common misconception is that smaller financial institutions lag behind in technology. Not at Safe 1.
We offer the same digital conveniences you’d expect from a big bank, including:
- A robust mobile banking app
- Free online bill pay
- Remote check deposit
- Zelle® person-to-person payments
- Mobile wallet
- eDocuments
- 24/7 account access
You can open accounts, transfer funds, and manage your finances anytime, anywhere. And if you do need in-person help, our conveniently located branches in places like Bakersfield, Delano, Taft, Tehachapi, Porterville, and Visalia are ready to welcome you.
Don’t forget, we’re local! Find a location near you!
Security You Can Trust
Your financial security is our top priority. Safe 1 Credit Union is federally insured by the National Credit Union Administration (NCUA), which means your deposits are protected up to at least $250,000.
We also use the latest in online security technology, including multi-factor authentication as well as secure encryption protocols, to ensure your data and finances are always safe.
With Safe 1, you can bank confidently, knowing your money is in reliable hands.
What Our Members Are Saying
Don’t just take our word for it—our members consistently praise the difference they feel banking with Safe 1:
“I have been with Safe1 through thick and thin, sick and sin, and I have found them to be Rockstars of the banking/credit union world. For seventeen years, they have gone beyond what I expected from a credit union. I consider it to be a privilege to be a member of such a wonderful place to keep my money. It is in good hands.”
~ Jake E., Bakersfield
“Can’t say enough about the staff and customer service here. Always super friendly and willing to go out of their way to make sure their customers are well taken care of. If you don’t bank here,1,000% recommend. BEST SERVICE EVER!!”
~ Mathew F., Taft
Ready to Make the Switch?
If you’re tired of impersonal service, hidden fees, or a lack of community connection, it might be time to experience the credit union difference.
At Safe 1 Credit Union, we make it easy to switch. You can open a checking account online in just a few minutes or visit any of our local branches to speak with a representative.
New members can also take advantage of promotions and incentives designed to help you get started on the right foot. Ask us about current offers when you join!
A Better Way to Bank
Banking isn’t just about numbers—it’s about people. At Safe 1 Credit Union, we’re proud to be more than a financial institution. We’re a trusted partner, a community supporter, and a place where your goals matter.
Join thousands of satisfied members across Kern, Kings, Tulare and Fresno Counties who have discovered the benefits of local banking. With better service, lower costs, and a deep commitment to our communities, Safe 1 Credit Union is ready to help you take the next step in your financial journey.
Ready to open your new checking account?
Open a new checking account today and receive $200. Here’s how.