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¹APY=Annual Percentage Yield. The disclosed APYs were accurate as of 5/18/26 and are subject to change without notice. To secure the promotional rate on the 8-Month and 22-Month Certificates, you must apply between 5/18/26 and 6/21/26. Minimum opening deposit is $100 of new money with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. Once a Certificate is opened, the rate remains fixed through maturity. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. At maturity, the 8-Month Certificate automatically renews at a 12-month term and the 22-Month Certificate automatically renews at a 24-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later. Other restrictions may apply.

²All credit cards are subject to credit approval. All rates, terms, fees, offers and rewards are subject to change without notice. Credit card points and bonuses are calculated based on purchases made with a Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. Points may be redeemed for cash, gift cards or merchandise through Digital Banking, and redemption values may vary. Any applicable taxes due on bonus deposits are the sole responsibility of the recipient and you must be a member in good standing at the time a bonus is paid. 1. The Ambassador cash bonus is calculated at 2% of purchases per month, capped at $100 per month and $1,200 per year, and deposited into the member’s checking or savings account. You must be an Ambassador at the time the cash bonus is paid at the beginning of each month. 2. The 25,000 bonus points will be credited at completion of the 90-day period, provided purchase requirements have been met. 3. CashBack+ offers are made available to new members in Digital Banking and must be activated and completed before the designated deadlines. CashBack+ rewards can be transferred to a savings or checking account. 4, 5 & 6. 3X, 2X and 1X rewards points are based on merchant category codes (MCCs) assigned by the merchant, not the product purchased. Merchandise must be purchased from Amazon, Google, or Apple. The maximum bonus spend per calendar year is $6,000 for the 3X and 2X categories, after which those categories earn 1X. The 1X category has no point maximum. 5X, 4X and 3X rewards listed for Ambassadors include the 2% Ambassador cash bonus. 7. 1.99% intro APR is the rate for six months on balances transferred from another financial institution within the first 60 days of account opening. After the introductory period, the standard variable purchase APR will apply, currently ranging from 13.49% – 18.00% APR, based on creditworthiness. APRs may vary and are subject to change. View card options.

³Data collected via online research on 4/1/26. Refer to the individual websites for details:
Stanford FCU: Everyday Spending Account, Service Fees
Bank of America: Advantage Plus Banking, Service Fees
Chase: Chase Total Checking, Checking Fees

*Up to 6% back includes a 3% promotional cash bonus on eligible gas and EV charging purchases made between 5/21/26 and 9/7/26, capped at $100 per month and $500 total for the promotional period, per member; plus the 1X point or 1% statement credit for gas and EV charging purchases; plus the 2% credit card cash bonus for Ambassador Loyalty+ members. Cash bonuses and rewards are earned on eligible purchases made with your Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. Cash bonus and rewards eligibility is determined by merchant category codes assigned by the merchant or card network, not by specific products or services purchased. The gas and EV offer is not available for the Business Rewards Card. Account must be open and in good standing at the time bonuses are paid, which occurs at the beginning of the month following the qualifying purchases. Cash bonuses will be deposited into your spending or savings account. Any taxes due on the bonus deposits or rewards are the sole responsibility of the recipient. Offers are subject to change or cancellation at any time without notice. Terms, rates, and fees apply—see full details when you apply.