# SAFE Federal Credit Union  >At SAFE Federal Credit Union, we’re honored to be Lugoff’s local, not-for-profit bank, with deep roots right here in South Carolina. Unlike big corporate banks, our focus is on helping South Carolina residents reach their financial goals rather than serving shareholders far from home. We believe in sharing our success with our members, offering bonus dividends and competitive interest rates to help you get more out of every dollar. At SAFE FCU, we’re here to assist you no matter where you are in your financial journey. Our local specialists are ready to help with a wide range of financial services. ## Main Navigation Links  - [About](https://www.safefed.org/about): Learn about SAFE and our mission to help members live their financial best. - [Locations](https://www.safefed.org/branches-atms): With 18 branches throughout the Midlands, a CO-OP network of more than 30,000 ATMs worldwide, and our cutting-edge Personal Teller Machines (PTMs), SAFE has flexible options to serve you. Click on a location to view hours of operation and services offered.  - [Checking and Savings Accounts](https://www.safefed.org/checking-savings): Whatever your financial needs may be, SAFE Federal Credit Union has a checking or savings account solution tailored to you. - [Youth Accounts](https://www.safefed.org/checking-savings/youth-accounts): It's never too soon to start learning about money. Let SAFE help you establish healthy money habits early with our youth accounts. - [Mobile & Online Banking](https://www.safefed.org/checking-savings/mobile-online-banking): SAFE Federal Credit Union's Online and Mobile Banking platform provides top-tier online credit union services. With enhanced security, convenient bill pay, and innovative features, managing your accounts has never been easier. We make online banking in South Carolina (or anywhere you might be!) simple and seamless. - [Credit Cards](https://www.safefed.org/cards-loans/credit-cards): Build credit the SAFE way. Our Visa® credit card programs offer low introductory interest rates, enhanced security features, and rewards that can put money back in your pocket. - [Auto Loans](https://www.safefed.org/cards-loans/auto-loans): Dreaming of a new car? At SAFE Federal Credit Union, we offer low interest rates, terms up to 84 months, and easy refinancing. Our commitment to helping you get the best loan for the best rate is why we're South Carolina's choice credit union for auto loans. - [Mortgage Loans](https://www.safefed.org/loans/mortgage): Whether you're purchasing your first home or refinancing to lower your monthly payments, discover the difference with a credit union mortgage loan designed around your needs. - [Personal Loans](https://www.safefed.org/loans/personal): SAFE Federal Credit Union offers low-rate personal loans with great financing options to meet your needs. Our commitment to helping you get the best loan for the best rate is why we're South Carolina's choice credit union for personal loans. - [Skip Pay](https://www.safefed.org/cards-loans/skip-pay): SAFE Federal Credit Union's Skip Pay Program allows you to skip up to two payments a year on qualifying loans. - [Retirement Options](https://www.safefed.org/retirement-investment/retirement-options): A Traditional or Roth IRA, insured for up to $250,000, can help you prepare for retirement. - [SAFE Investment Services](https://www.safefed.org/retirement-investment/safe-investment-services): No matter what your goals are for the future, plan accordingly with the SAFE Investment Services team. - [Life Insurance](https://www.safefed.org/retirement-investment/life-insurance): Work with SAFE's partner LifeHelp for assistance with your life insurance needs. - [Membership](https://www.safefed.org/credit-union-membership): Enjoy superior member service and exceptional financial benefits from one of South Carolina’s leading not-for-profit financial institutions. ## Blog  - [Learning Center](https://www.safefed.org/learning-center): SAFE's Learning Center—a place to improve your financial health. - [Calculators](https://www.safefed.org/learning-center/calculators): Use our financial calculators to help you manage your budget, pay off credit cards, and plan for auto and mortgage expenses. - [Financial Advisement](https://www.safefed.org/learning-center/financial-advisement): Whether you're just starting out with money management or need help working through financial difficulties, turn to SAFE's in-house financial counseling and referral services. - [Newsroom](https://www.safefed.org/learning-center/newsroom): View the latest updates from SAFE and get media contact information. - [Safe Aware](https://www.safefed.org/learning-center/safeaware): Educate. Act. Defend. That's SAFE's 360° approach to helping you stay ahead of financial fraud. Count on SAFE Aware to bring you the latest fraud prevention tools and tips to keep your personal information secure. - [Life Stages](https://www.safefed.org/learning-center/LifeStages): Maybe you just landed that dream job, are buying your first home or starting a family. No matter what, we've got you covered every step of the way. SAFE has content, guides, and resources to help you navigate life's roadmap successfully! ## Internal Resources:  - [Sitemap] (https://www.safefed.org/sitemap.xml): Complete list of all pages for deep discovery.